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

Good Afternoon, XXXX : ********* LOCAL, STATE, FEDERAL, AND MILITARY LAW ENFORCEMENT CONTACTED ************* ___________________________________________________________________________ With that said, I contacted XXXX, directly ; as, I provided detailed information and data indicating that the following accounts are indeed Identity Theft, Fraud, and Mail Fraud. And, the accounts are to be deleted immediately per Federal Law. 

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : ACCT # _____________________ Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
I contacted " XXXX " ; " TRANSUNION " ; and " XXXX " and, requested for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Student loan

My student loans are through Keybank and were initially services by XXXX XXXX. I've paid my loans on time since graduating in 2006. While my loans were serviced by XXXX XXXX I paid the same amount every month. My loan servicer was changed to XXXX XXXX in XXXX and now my monthly payment to is variable and will change every month or so which is difficult for me to budget for. I have also paid my loans for the last 12 years and Keybank will not allow me to remove my sister as cosigner which has caused her undue Financial hardship
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 Bureau 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 : Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXXAccount Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year>2024 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this from my credit report.
Product: Student loan

In XX/XX/2023, I contacted Nelnet in advance to move my student loans either in the SAVE plan or deferment. I was required to complete the application online and have never heard back. I have attempted to contact Nelnet multiple times to discuss my options and either have waited on hold more than XXXX hours and hung up on or just disconnected period. They are now reporting me as late payments when they haven't worked with me which would have had me in full complaince.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries from several companies XXXX XX/XX/2021, XXXX XX/XX/2021, and XXXX XXXX XX/XX/2021. I did not authorize these inquiries and they are greatly affecting me and will affect my immediate future. I'd like to have these inquiries deleted from my credit report ASAP. I hope that is something that you could help with because I really feel like I'm being ignored and taken for granted.
Product: Debt collection

Citi and their subsidiary XXXX XXXX have violated FDCPA by calling with the intent to harass and intimidate. I have requested on numerous occasions through the CFPB complaint process, and the information requested has not been provided nor has it even been addressed. I would like to have this information provided and to have the CFPB actually investigate this. Citi has corresponded and stated they played cease and desist notations on my accounts, but they have still failed to address one of my accounts that they are still contacting me regarding.
Product: Debt collection

opened XX/XX/2014 in the amount of XXXX dollars. I have disputed this account and they have yet to remove it. THIS IS NOT MY ACCOUNT and they will not send me verified paperwork of the original account SIGNED BY ME.
Product: Credit reporting

Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX Equifax XXXX, GA XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX I have also included the following minimum two ( 2 ) proofs of my current mailing address Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

Intercnontinental Capital Group, XXXX. 

Is sending out letters to VA home loan owners, offering them a {$100.00} gift card to refinance their home. The Letter does not indicate that anything is required to activate the card other other than to call them. Once you call, if you are not willing to complete the refinance questions they will not activate your card and just hang up on you. 

This is false advertising and misleading, specifically targeting veterans.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy 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 ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. 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. The accounts disputed would be XXXX XXXX and XXXX XXXX.
Product: Checking or savings account

On XX/XX/year>, Citibank closed my account. The online system was having problems when I tried transferring funds, and now my account is closed with funds remaining ( {$1900.00} ). Also, the phone customer service is so bad that I could not understand through the static. Customers can not get coherent answers through the static. All customer representatives are from overseas and are not fluent in XXXX. This customer service was the XXXX  I have ever received. I was a new customer and I found a bank to avoid like the plague.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I noticed some fraudulant and inaccurate information on it. I disputed XXXX inquiries on my equifax consumer report from XXXX XXXX, I provided Equifax with my FTC identity theft report, and my personal statement. I reported the fraud to XXXX  XXXX. There were XXXX inquiries from XXXX  XXXX, however XXXX of them was for a XXXX store card, another XXXX for XXXX. The accounts were opened and closed days later. There is no proof that these were my inquiries. Equifax has not shown that I authorized these transactions. I would like these removed immediately or I will seek litigation under the FCRA. XXXX  XXXX has reported the fraud as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXXand I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME OR SEND ME ANYTHING VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond ONLY VIA THE CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit card

I have never applied for a XXXX XXXXXXXX XXXX credit card and never received one. 
The XXXX  XXXX XXXX credit card is only showing on my credit reports, that too on Transunion credit bureau. note : no other credit bureau has it on their records. when ask for details the bureau sent a letter stating that I am responsible for the card which I never receive it, never applied for it. 
it says on my transunion credit report that a XXXX  XXXX XXXX credit card account has been opened since XX/XX/2022 and last report on the account is in XX/XX/XXXX XXXX and a balance of {$460.00} on this account. 
I called XXXX  XXXX XXXX and gave all my personnel information to confirm is this my account they replied back stating that I don't have or had any accounts with XXXX  XXXX XXXX in past 10 years. 
I have trusted transunion to come to resolve this case but my trust is broken by the bureau note : only transuinon has this credit card on its reports.
Product: Debt collection

I have attempted to resolve an ongoing dispute between Rowland Avenue Management , Inc. A/KA Columbia Debt Recovery , LLC d/b/a Genesis. I've sent numerous emails to follow up on the information requested from the debt collector, however they are still reporting the inaccurate information. They required a police report and supporting documents ( this was completed ). After investigating, the apartment is no longer managed/owned by the same company and I am unable to receive additional information on the history of the debt. 

ORIGINAL COMPLAINT : XXXX I learned about XXXX separate collection accounts for XXXX different apartment communities. I have never lived or applied to either community before. The actions look place in XXXX and XXXX. During this period, I lived and still currently live in XXXX, FL. I attempted to contact the property management company XXXX for 1 of the apartments, however they are no longer affiliated with the community. The 2nd apartment confirmed that a debt is not owed in my name, however the debt collection company refuses to remove without proof. This particular debt was removed once, but has reappeared.
Product: Credit reporting or other personal consumer reports

am filing this complaint against XXXX XXXX XXXX  regarding an inaccurate XXXX late payment reported for XX/XX/year> on my account ( [ Account Number : XXXX ] ). 

Details of the Dispute : Late Payment : The late payment entry is inconsistent with my records. 
I previously requested validation, including billing statements and payment history, but XXXX XXXX XXXX  has failed to provide adequate documentation. 
Violation of Consumer Laws : Under 15 U.S.C. 1681e ( b ), XXXX XXXX XXXX must ensure the accuracy of the information furnished to credit bureaus.

Under 15 U.S.C. 1666, they are required to validate and correct any errors related to billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX, XXXX XXXX )
Product: Mortgage

My mortgage was purchased by XXXX and XXXX reassigned servicing of the mortgage to Roundpoint Mortgage Servicing Corporation. I received notice of this reassignment with letters dated XX/XX/XXXX ( from XXXX ) and XX/XX/XXXX ( from the previous mortgage holder - XXXX ). Both letters indicated the new servicer was Roundpoint Mortgage Servicing Corporation. 

I have not received *any* contact from Roundpoint Mortgage Servicing Corporation regarding servicing of my loan. I have called Roundpoint twice - once on XX/XX/XXXX and once on XX/XX/XXXX. Each time they have stated the mortgage is being processed, that they are unable to accept payment until the mortgage is processed, and that I should check back in a week. I am now at XX/XX/XXXX, and my mortgage payment is due tomorrow. However, I have no servicer to send it to, since Roundpoint apparently believes they are not servicing my mortgage. 

I am in a bind where I have to pay my mortgage, that I know Roundpoint needs to accept my payment, but Roundpoint is not willing to accept my payment. I ca n't pay my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a hand written letter to Transunion stating that fraudulant activity had taken place on my credit report and hard inquiries have been placed that do not reflect activity I authorized. I listed each hard inquiry in the letter as follows : XXXX XXXX XXXX XX/XX/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 I included a copy of my FTC fraud filing that I was required to send to prove I filed a complaint of fraud. I was told once I send those items the fraudulant inquiries would be removed in 5 business days. I sent everything via certified mail on XX/XX/XXXX. The letter I received back on XX/XX/XXXX was a letter describing what a hard inquiry is with the definition and listed it was in reference to me wanting an explanation of what a hard inquiry is. The letter and documentation I sent was clearly not a request to know what a hard inquiry is and is exactly what the Transunion representative asked for when I called XXXX. I followed the exact procedure requested of me for these removals and am being denied my right to an accurate credit report. TransUnion is reporting fraudulant inquiries on my report that I want removed immediately. I am including the letter I sent with my file number as requested per a transunion representative and the ridiculous response they returned to me.
Product: Mortgage

I refinanced my mortgage held by PHH Mortgage. 
After I completed this, on XX/XX/2020 I received an email acknowledging that the loan was paid in full and telling me that the escrow would be refunded to me within XXXX business days. On XX/XX/2020 ( XXXX business days after this message ) I called, and they told me that the mortgage was paid off on XX/XX/2020. They said the refund check was prepared on XX/XX/2020. They said the regulations meant that I would receive it within XXXX business days of XX/XX/2020. I disagree with what they asserted. I believe it should have been returned to me within XXXX business days of XX/XX/2020, or by XX/XX/2020. I have not received it as of that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my credit report from this company is misplace and inaccurate.
Product: Checking or savings account

on XX/XX/year> I noticed a debit purchase on my bank statement with Chase Bank in the amount of XXXX paid to XXXX XXXX. I called XXXX number for Chase Bank to report fraud. On XX/XX/year> they reversed the purchase and told me they had to investigate. I received a letter from Chase Bank dated XX/XX/year> telling me that they found the transaction was processed according to the information provided and was taking the {$520.00} back out of my checking account. Which they did on XX/XX/year>. As soon as I received the letter in mail I called the customer service phone and requested the documentation that they had received as proof. I was told by customer service rep and her manager XXXX that they will have it mailed out. I never got it. I was told by XXXX that If I went to branch office that the Banker would be able to call customer service and request. So I did on XX/XX/year>. I met with XXXX XXXX my banker. She called Customer Servics and they told her NO they would not email to her. They were to put in another request to have it mailed to me. I was told to call the XXXX XXXX XXXX Chase and put in a complaint. I did the same day. They told me ok they would file complaint. I spoke with XXXX. Then she transfered me to Customer service. I was speaking with XXXX ( manager ) and she told me to got to branch office and have them call to have it emailed. I told XXXX we tried that already please email to XXXX and I will pick up. I gave her XXXX 's email address. I went few days later and picked up email. It was just a copy of the claim I filed. NO PROOF. I have since called XXXX at branch on XX/XX/year> ( no call back ) XX/XX/year> spoke to XXXX and she told me she would talk to her branch XXXX XXXX and get back to me. ( no calls ) XX/XX/year> left message for XXXX at branch ( no calls back ) XX/XX/year> Left message for XXXX at branch ( no calls back ) I still have NO Proof from Chase Bank. I did not make charges and feel that Chase Bank does not care about there customers at all. I will be forced to take legal actions as this is fraud...
Product: Credit reporting, credit repair services, or other personal consumer reports

inqurieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they credit bureuas will not delete these and i did not authurize them to pull my credit reports. they need to be deleted due to fraud
Product: Credit card or prepaid card

This is in reference to BP gas credit card services. Account number XXXX XXXX XXXX XXXX issued by Syncrony Bank. 

Due to loss of job due to XXXX BP has been unwilling to work with me for payment options. I have insurance on the card. BP will not work with me and has declined my request to provide me with payment agreement or waive late fees on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that I have a collection on my SSN with XXXX on XXXX XXXX, XXXX by Convergent Outsourcing. My immediate action was to check the details. The collection was referring to a XXXX account opened in XXXX, XXXX and the amount was {$430.00}. I have NEVER had a XXXX account. 

I informed XXXX right away that this is not my collection. 

I sent a complaint XXXX ID # XXXX XXXX to Convergent Outsourcing on XXXX XXXX, XXXX. 
I provided Convergent Outsourcing with my SSN on XXXX XXXX, XXXX to investigate and remove this false record I sent an e-mail requesting confirmation that they've received everything needed to work on my case on XX/XX/XXXX Since I have received nothing from Convergent till today, I sent a second complaint ( ID # XXXX ) to them on XXXX XXXX, XXXX with all pertaining facts. 

My problem is that they dropped a collection out of nowhere on my SSN, and the strangest fact is that they are collecting for the provider XXXX where the account was dated XXXX XXXX. I have never used this provider!
Product: Debt collection

I have a debt with XXXX XXXX  XXXX XXXXXXXX. The company handling the debt is FMS XXXX. I am trying to establish written dialog with the company but they have refused to communicate via mail. I asked via mail, early XXXX, to send information on a loan rehabilitation program. I sent two more in XXXX. Every time I sent certified mail. The third time I expressly wrote on the document to communicate via mail. In all responses, I only received a typed notice with .... " If FMS has a phone number on file, we will attempt to contact you .... '' Is this something I can rebut and expect them to contact me via paper mail? It feels exploitative and hostile. Am I wrong? I have been working long term with single parenthood, homelessness, psychological repair, and other, I feel, unfair challenges. FMS seems to have only found me because I tried to work out a plan through an attorney and then contacted me after I couldn't afford the attorney anymore. I feel they got my information because I was trying to work out my debts? 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$6300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.