23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In       XXXX   XXXX   2016  we found out we had a delinquent  XX/XX/XXXX  mortgage payment to Carrington M ortgage Services when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recie ved   XX/XX/XXXX  payment. T he  XX/XX/XXXX  p  ayment made th e  XX/XX/XXXX   payment and now I was  XX/XX/XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to Carrington. I called Carrington several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XX/XX/XXXX  I ch ecked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted Carrington Mortgage and told them what I had found out. I mad e 2 pa yments to Carrinton at this time . One ch eck for   XX/XX/XXXX  a nd the other for the missed payment. At this time I asked them if they could please contact the  major Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX    XXXX   stating the payment was sent on   X/X/16  m aking   XX/XX/XXXX   payment. The letter I recieve from Carrington stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with  Credit Reporting Companies.
Product: Debt collection

There was a debt placed on my credit report via XXXX XXXX of XXXX in the amount of $ XXXXThe debt was paid nearly two years ago, with a promise of the account being removed from my credit report and due to the fact that The debt was paid prior to being reported onto my credit report. Despite the debt being paid and disputing with Experian numerous times, the negative remark still remains on my credit report, which has caused great financial hardship.
Product: Debt collection

To whom I concern, I would like to inform you that the debt collection company Midland Credit Management with the accounts XXXX and XXXX has been calling me on several occasions and the last time telling me that they are going to put him in a lawyer to enter my bank account and take my money. When I let them know that now I have not been working for 8 months because of the Covid 19 pandemic.That unemployment money has been surviving paying for food, housing, and medicines but these people I don't understand. Please I need you to contact them and they can help me. At night I can't sleep thinking about all this and my son is asthmatic. 

Company information : Midland Credit Management Location : XXXX XXXX XXXX XXXX XXXX, California XXXX NMLS ID : XXXX Telephone : ( XXXX ) XXXX Regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred {$1000.00} in XX/XX/year> to another chime card and tried to get cash back at XXXX. The money was taken out of my account but wasn't sent to the other chime holder. I asked the teller at XXXX she said call chime. I called them and they said my money would be back on my card within XXXX business days. I called back and they said they didn't have my money. And XXXX said they didn't have my money. Also, I look in my chime app and the - {$1000.00} was wiped off like it never happened. I felt helpless, used, and confused!!! That was my money I worked hard for to get a car and it was just gone. I want my money and I want answers. It was recorded so I know they know something.
Product: Debt collection

In XXXX of 2021 my mother, my father, my husband, my brother all recieved calls that I had a warrant out for my arrest for a crime and I was to call this number back or they would immediatly come to get me from my home. I attempted to contact and the person I spoke with was so irate I could not understand them. They continuesly call my family and say the same thing.
Product: Payday loan, title loan, personal loan, or advance loan

Today on XX/XX/year>, my account was overdrawn {$90.00} from ascend loans. On XX/XX/year>, I received an email stating that my loan was completely paid off. As well on XX/XX/year>, my profile on the Ascend Loans app said that my account was closed. Since then I have received no emails from them. Only confirmation that I paid my loan. After seeing the charge on my account, I called Ascend Loans and asked them why I am still being charged and they replied that my payment didnt go through on XX/XX/year>. I know it did because I had sufficient funds for the payment and they NEVER at any point sent me an email stating that it didnt. They just took my money without notice or any kind of communication. I believe Im being scammed or robbed by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure of the exact dates. But within the last 7 months ive submitted letters to to XXXX, XXXX  and TransUnion to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRY IS FRAUDULENT FROM XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX XXXX XXXX XXXX  XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX 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 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 XXXXXX/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 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 ALL THE INQUIRIES ABOVE ARE DUE TO IDENTITY THEFT AND IS FRAUD AND XXXX AND EQUIFAX REFUSE TO REMOVE THIS INQUIRIES FROM MY CREDIT PROFILE SINCE IT IS INACCURATE INFORMATION
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent and inaccurate accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX and some collection accounts with XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, that have been reported on my consumer credit file. These accounts are not mine, and I am not legally responsible for them. Despite my efforts to dispute the inaccuracies directly with the credit reporting agency, they failed to take the necessary steps to investigate or remove the information from my report. The presence of this fraudulent information has caused significant harm to my creditworthiness and financial situation. I request that this matter be investigated further and the inaccurate information be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ). These accounts are false and falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX '' Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 a account without my written instructions
Product: Checking or savings account

I was declared the POA of my fathers bank account, after my mother passed away, due to my fathers declining mobility. A large check was issued from my mothers life insurance, and although my father was listed as the sole beneficiary she left written instructions to split the money XXXX ways. After the check cleared in my fathers account, I attempted to initiate a wire to my own personal checking account. At no point did anyone ( who knew I was acting as POA ) tell me this transaction could not be completed. However, the next day ( Saturday XX/XX/XXXX ) I was informed that. Y fathers bank account had been frozen due to suspected fraud and that POAs cant do what you did. I said fine, cancel the wire, but please unfreeze my fathers account so he can have his bills paid on time. Branch manager of bank told me to talk to a loss prevention specialist handling the case, so I called and we spoke at length. He asked if I was POA and I said yes, then he concluded that the only way to have the account unfrozen, was to speak to the VP of Security at the bank. I have since made multiple attempts to call the VP, no response. I even told her i would be willing to put my father on the phone, to confirm the money and clear me of attempting to defraud him. I called the back back, and they confirmed they could not unfreeze the account, and that I must speak to the VP. So again, Ive been calling and calling for a week now. Leaving messages. No response. I dont care about the wire, they can cancel it. But my father has bills to pay and theyre holding his account XXXX by refusing to call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax will not remove unauthorized inquiries even when fraud alert was placed on report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the incorrect bankruptcy notation on my credit report. Despite my formal request for removal, I have yet to receive confirmation that this erroneous information has been fully investigated and corrected. This is a critical matter affecting my financial standing, and I demand immediate resolution in accordance with the Fair Credit Reporting Act ( FCRA ). This bankruptcy record does not belong to me, and it appears to be the result of a misattribution or file merger with another individual of similar identifying details. My credit file must accurately reflect my true financial history, which does not include any bankruptcy filing. 
Immediate Corrective Action Required : Conduct a thorough re-investigation into the erroneous bankruptcy notation and verify its origin. 
Permanently remove the bankruptcy record and any associated account notations from my credit report. 
Issue a formal written statement confirming the deletion of the inaccurate bankruptcy entry and any related updates to my file. 
To expedite this correction, I have once again included proof of my identity and address, along with a highlighted copy of my credit report identifying the incorrect information. 
This is now my second formal request, and I expect full compliance with FCRA regulations. Should you fail to rectify this issue within the legally mandated timeframe, I will escalate this matter by : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) Pursuing legal remedies for damages resulting from this reporting error This is your final opportunity to address this dispute before I take further action. I require a response via XXXX mail only, confirming the full and permanent removal of this erroneous bankruptcy record. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did 5 dispute with XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the amount of {$2500.00}. XXXX, XXXX XXXX XXXX XXXX was the Attorney for the Plaintiff, XXXX XXXX XXXX. I was the Defendant, XXXX court # XXXX & XXXX. I owe no money at all.
Product: Debt collection

The company Koalafi continues to try to collect a debt that was included in bankruptcy. They have been informed that my bankruptcy discharge order was GRANTED. 
XXXX XXXX XXXX Board Certified Consumer Bankruptcy Attorney XXXX Ph : ( XXXX ) XXXX or XXXX Fax : ( XXXX ) XXXX MAIN OFFICE : XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX Email : XXXX XXXX
Product: Checking or savings account

Dear Chase Bank, After reviewing my records with XXXX  ; I noticed that a checking account that was opened fraudulently is still being reported as having belonged to me. I believe this account either belonged to an individual with a similar name that lived in the same city that I used to live in or somebody fraudulently used my information without my consent. I am requesting that you immediately cease reporting of this account and that you purge all my information from being linked to the closed checking/savings account. Failure to do so will result in legal action taken against your company/bank in small claims court. I have never had a checking account with Chase. If you have proof that I was the individual that somehow opened the account in question, please provide me with all the evidence for review so that I may provide an appropriate response. 

Very Respectfully, XXXX XXXX
Product: Checking or savings account

My father passed away on XX/XX/year>. He had a large savings account in Bank of America that was XXXX. On XX/XX/XXXX, I brought the death certificate to the bank to release the funds. The bank has a process that takes over a month to distribute funds to beneficiaries. XXXX XXXX of XXXX is for beneficiaries to receive the funds immediately. Their process after receiving the certificate is to send out a form to arrive 10 days later, Then, the recipient must fill out the form and have it notarized and snail mail it back. They then hold onto the form for a while. Today I spoke to them after it had been a month. and they agreed to close the account. They said they would mail out payments that should be received within another 2 weeks. They refused to allow the branch to distribute the funds to me. This seems a deliberately long process designed for the bank to hold onto money that belongs to someone else. It betrays the trust and takes advantage of clients at their death. There is no reason for them to still have that money today.
Product: Debt collection

I disputed this charge in XXXX due to fraudulent credit card use/not authorized. I thought this was removed from my credit years ago when I made the initial dispute. i paid what I owed, the remaining balance is not mine, like I have stressed NUMEROUS times. I was buying a house in XX/XX/XXXX and I was told this was taken care of. When I call SEARS, ( meaning within the last couple of years ) they have no record of this account. I receive no correspondence whatsoever from this company about said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for EQUIFAX Bureau. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit card or prepaid card

Synchrony Bank Fraud Dept. required an Affidavit of Identity to be faxed to them for my Lowe 's creditcard application. However, the fax number that Synchrony provided didn't answer when I tried several times. Synchrony Office of the President ignored my concerns. Synchrony refuses to provide a statement credit for my inconvenience. ( Synchrony does give a STANDARD {$25.00} credit to EVERYONE who applies, but that is not sufficient in this case. )
Product: Credit reporting or other personal consumer reports

I extend my appreciation for your previous efforts in addressing certain fraudulent items in my credit file resulting from an alleged identity theft. However, it has come to my attention that specific items persist, requiring additional attention and resolution. This marks my third complaint, wherein I declare myself a victim of identity theft and submit a dispute for the remaining items in my file associated with this crime. I wish to underscore that the contested items bear no relation to any transactions involving the acquisition of goods, services, or funds that I have personally authorized. I kindly request the removal of the reporting of these distinct items from my credit file, attributing them to the alleged identity theft. For your reference, I have provided the relevant details below : -- -- -EXPERIAN XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -- -XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. These items were previously unknown to me, and it is noteworthy that the information you provided on them has already been deleted from other bureaus. Consequently, I harbor doubts about the accuracy and reported history of these items in my credit file, as outlined in accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered itXXXX Total fraudulent amount : {$3500.00} Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered itXXXX Total fraudulent amount : XXXX  Company or Organization : XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it:XXXX Total fraudulent amount : {$440.00} Company or Organization : XXXX XXXX XXXX Date fraud began XXXX XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$540.00} Company or Organization : XXXX XXXX XXXX Date fraud began XXXX XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1500.00} Company or Organization : XXXX XXXX XXXX  Date fraud began XXXX XX/XX/XXXX Date that I discovered itXXXX Total fraudulent amount : {$1100.00} To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 

SINCERELY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I submitted identity theft reports ( Ftc report # XXXX ) from the proper authority and proper documentation of invalid and inaccurate information on my credit reports as well as proof of my true identity to XXXX, Equifax and XXXX by certified mail on XXXXXXXX XXXX XXXX with all 3 letters confirmed to be delivered between XX/XX/XXXX and XXXX. They ignored certain verified claims, removed and then reposted others. XXXX even denied receiving some of the documents despite the proof of delivery I have. I have attempted to contact and redispute and have never received a reason or proof of validation from any of them as to why I was denied. My reports don't contain the dispute statement either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight 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 Date Opened : XX/XX/XXXX Balance : {$650.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XXXX Balance : {$1400.00}, and XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance {$120.00}.
Product: Credit card

I've consistently made sure that payments on this account are made on time, ensuring they are never overdue. I am uncertain about the reasons for the reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

I recently requested an investigation into my credit report for an account listed as Metro Collection Services acct # XXXX. I submitted my compliant through the CFPB and the company has failed to even respond with any evidence against me. According to 15 USC 1692g ( b ) states that the creditor must respond with evidence for the alleged debt they are furnishing on my report. It is against federal law for your organization to continue reporting this inaccurate information without verification. I am in the process of getting a home for my family and this account is causing extreme damage to my overall creditworthiness.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 a account without my written instructions