23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Received promotional letter from U.S. Bank offering {$750.00} bonus for depositing $ XXXX or more in a business savings account. Opened account and wired $ XXXX to the account. Received letter a week later stating that the account had been closed with no reason given. Called U.S. Bank customer service and they stated the account had been closed for " fraud concerns '' but could not and would not provide any further detail. Customer service agent stated on XX/XX/XXXX they would mail a check for the funds from the closed account. After not receiving a check by XX/XX/XXXX, I called back. After waiting on hold for an hour, was told by a customer service agent ( and later their supervisor ) that the funds are being held for 15 business days after account closing before being mailed back to me. They estimated I might receive the check by XX/XX/XXXX, over a month after I deposited the funds with them ( deposited funds with them on XX/XX/XXXX ). 

So they supposedly had " fraud concerns '' with the account, but instead of just sending the deposit that went into the account back where it came from immediately, or at the very least calling me to determine if it was indeed fraudulent, they have held the $ XXXX interest free for over a month and I have had no access to this money. Not to mention I did not receive the {$750.00} bonus that was offered in their promotional letter. Not sure if this is an intentional scheme just to be able to hold a ton of people 's money interest free for 5 weeks interest free in an environment where banks are facing liquidity concerns, but seems to be some bad acting going on. Would love to see this apparent bait and switch scheme addressed.
Product: Credit reporting or other personal consumer reports

I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX XXXX : {$0.00}
Product: Student loan

MOHELA has improperly placed my student loan account in forbearance starting XX/XX/year>. Despite multiple attempts to resolve the issue, they have failed to provide a satisfactory explanation or resolution. 

MOHELA claims the forbearance was initiated due to a submission for the SAVE plan. However, I have never requested to enroll in the SAVE plan and have always been enrolled in the PAYE plan. I suspect MOHELA fabricated this submission to place my account in forbearance, thereby preventing my payments from counting towards PSLF. 

I first contacted MOHELA on XX/XX/year>, and a representative assured me that the alleged SAVE plan submission would be canceled within XXXX business days. When no action was taken, I called again on XX/XX/year>. During this second call, a representative attempted to submit another cancellation request, claiming a new process had started. I escalated the matter to a supervisor, who promised to expedite my previous requests. Despite these assurances, the forbearance remains on my account, and no one at MOHELA has been able to remove it or connect me to someone who can. 

I believe MOHELAs actions are deliberate and are intended to interfere with my eligibility for PSLF. I have audio recordings of my interactions to support my claim and request immediate action to remove the unauthorized forbearance and ensure my payments are counted accurately.
Product: Credit reporting or other personal consumer reports

I am writing today to contest the negative entries on my credit report. 
Regarding the requirement for documentation, I discovered that my local law enforcement office no longer handles such cases. Instead, they directed me to file a report on the website XXXX I have followed this guidance and have also informed my bank, which has committed to removing the items but requires your assistance in the process. I am including these reports with my letter to support my claim. 
The listed accounts below do not pertain to me and must be removed or blocked : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I signed a contract for Windows and Installation with Lowe 's Home Improvement. 

I signed a contract for 24 months NO INTEREST as long as minimum payments are made. 

The employee that completed the contract was ultimately terminated for fraudulent activities. 

I have made numerous attempts to resolve the promotional charge to Lowe 's Credit Card by Synchrony Bank. I have made numerous attempts to work with Lowes Home Improvement in XXXX NC. 

I have disputed the credit card charges due to the promotional charge not being correct in which I had over {$2000.00} in interest added to my account. I was told I was on a 6 month no-interest promotion for which the promotion had expired and could not be changed. 

I complained that the sudden interest from the wrong promotion has put me over my credit limit and is damaging my credit report. 

Synchrony Bank increased my credit limit while my account was passed-due in dispute to cover up this " mistake '' and now my credit report has recently dropped XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm an extended identity theft victim who has done everything I can do legally and have abided in sending requested information to XXXX and Transunion to block accounts connected with fraudulent activity. Per the FCRA and XXXX they are to report accurate information and to not report negative information on accounts in dispute for fraudulent charges. I have filed and submitted my FTC identity theft report in addition to them having my official police report. Per FCRA XXXX all accounts outlined in the identity theft report is to be blocked Per consumer request and the law. XXXX blocked the accounts with the report but then unblocked them per the creditor from what I was told. Totally disregarding my plea and my legal rights I continue to suffer damages because of their incorrect and fair reporting. XXXX  XXXX XXXX and XXXX have been notified of the fraud and continue to validate fraudulent accounts. This is wilful non compliance and I want to report this abuse of power and have it investigated appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding my CFPB closed complaint XXXX submitted to CFPB on XX/XX/2018. The complaint had feedback from the creditor that requested the deletion of the trade line. After multiple disputes with Experian they have refused to modify this record on my report. I've filed three disputes on this account and they keep closing the dispute with no updates. I have been unable to speak to a dispute representative as I've constantly been on hold - last four times the phone system informed me that there was at lease a 45 minute wait. Regular representatives say they can not detect any changes so they put me through to their dispute specialists but, as before, I am unable to reach then via phone or request a call back. 
I've forwarded the previous CFPB complaint against the creditor, on two of the disputes, so they see their feedback and have enough information to proceed with their investigation along with other info. Experian though have alerted me that the disputes have been updated but when I log into my Experian account the dispute results remain the same in their before and after state. The account still lists as a negative record on my credit report with Experian refusing/ignoring the dispute information sent to them.
Product: Debt collection

My internet service, with XXXX XXXX, was transferred after a lengthy process at my past residence of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX to that of my girlfriends mother XXXX XXXX. Upon XXXX ending the service in XX/XX/year> she promptly returned all the internet equipment. I have both receipts of return. XXXX failed to realize this was the same equipment from the transfer of service which they had processed. Given we had all left the residence I never received any communication from XXXX regarding the supposed outstanding return.

My balance of {$160.00} was subsequently sent to Credit Collection Services LLC. Given i had been moving around attempting to find a new residence I only received the collections notice on XX/XX/year>. I immediately faxed a letter to Credit Collections Services LLC telling them this was in error and that I was disputing the claim in question. I also called Credit Collections Services LLC and told them the issue after contacting XXXX the same day and being told this was over unreturned equipment. On XX/XX/year> i received notice they had sent my debt to credit reporting agencies. 

On XX/XX/year> i contacted XXXX and provided them the tracking number and asked them to provide me proof of return so i could provide it to the collections agency and also have it on hand for my now necessary FCRA dispute. XXXX said they could not do this and I would need to provide this detail to Credit Collection Services LLC ... subsequently I called the collections agency and they said they did not understand why XXXX could not provide confirmation and that I would need to dispute this further now that it had been reported to credit bureaus. Credit Collection Services LLC has not given me any opportunity to submit proof of my return to support my claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XXXX, XXXX XX/XX/XXXX : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the consumer 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 person credit cards and other accounts. 
XXXX. XXXX XXXX XXXX acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX  XXXX acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX  XXXX acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XX/XX/XXXX Date Opened XX/XX/XXXX XXXX. XXXX acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX  acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX  acct # XXXX Date Opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries collections appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped XXXX points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called Equifax last month ( XX/XX/XXXX ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX Services number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the XXXX manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX XXXX XXXX XXXX to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Addresses from Credit Report Dear TransUnion, I am writing to formally request the removal of several inaccurate addresses currently listed on my credit report. These addresses do not belong to me, and I believe their presence is either due to clerical errors or potentially related to identity theft. The inclusion of these incorrect addresses on my credit report is misleading and does not accurately reflect my credit history. 

Inaccurate Addresses to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Reasons for Removal : Inaccurate Reporting : The addresses listed above are not associated with me, and their presence on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported by credit bureaus must be accurate, complete, and verifiable. 
Potential Identity Theft : The presence of incorrect addresses could be indicative of identity theft. Under Section 605B of the FCRA, I request that these addresses be blocked from my credit report if they are the result of identity theft. 
FCRA Compliance : In accordance with the FCRA, I request that TransUnion conduct a prompt investigation into these inaccuracies and correct my credit report by removing all erroneous addresses.

Action Requested : I respectfully request the following actions be taken : Remove Inaccurate Addresses : Immediately remove the incorrect addresses listed above from my credit report. 
XXXX an XXXX : XXXX a thorough investigation into the presence of these addresses to ensure they are not connected to fraudulent activity. 
Provide Written Confirmation : Provide me with written confirmation that the addresses have been removed and that my credit report has been updated to reflect accurate information. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these incorrect addresses have been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX  ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( XXXX ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( Experian, XXXX, XXXX ) if the person  knows or has reasonable cause to believe that the information is inaccurate. By XXXX reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet Experian, XXXX, and XXXX continue to report this on my credit report. I have reached out to XXXX to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response.
Product: Mortgage

My ex-wife and I have a mortgage and a HELOC through US Bank. We got divorced, and I subsequently went bankrupt. My ex-wife would like to purchase the house, but US Bank has been unwilling to send a payoff quote. She has been trying for approximately six months to get this settled, and I personally have contacted the bank at least 4 times.
Product: Credit card or prepaid card

Not working sick with XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit card companies harassing me nonstop calls. Sent letter by my power of attorney to negotiate debt, they dont want to work with me but keep calling non stop. I am sick!!!
Product: Mortgage

My home loan with XXXX XXXX/PHH Mortgage Services was illegally and wrongfully foreclosed XX/XX/XXXX. 
I affirm that my home was wrongfully foreclosed because I was under the terms of a trial modification plan and had executed all payments as outlined in the agreement, within a timely manner. However, XXXX XXXXXXXXPHH Mortgage Services acted illegally and in bad faith, contrary to the trial modification plan XXXX XXXXPHH Mortgage Services issued when they dual-tracked my loan and foreclosed on my home. 
My trial modification plan which was accepted and sent back to the lender XX/XX/XXXX outlines I was instructed to make three payments of {$490.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per the plans agreement I executed my payments in each month via wire transfer. I have each month 's receipt that prove my payment were credited to " PHH Mortgage '' for each month of the trial payment. 
When I discovered my home had been foreclosed and sold in XX/XX/XXXX, I was still under the terms of XXXX XXXXXXXXPHH Mortgage Services ' trial modification plan, so I understand that the lender, XXXX XXXXPHH Mortgage Services was improperly dual-tracking my loan and made the error to not notify their Foreclosure Department to halt the sale of my home while a loan modification was in effect. 
My home has been sold to a third party now, but I want XXXX XXXXXXXX PHH Mortgage Services to rescind my foreclosure and restore my loan to the point where I should have been in loss mitigation. Additionally, XXXX XXXX PHH Mortgage Services should inform the third-party purchaser of my home that there was an invalid sale transaction due to a wrongful and illegal foreclosure.
Product: Debt collection

This is in regards to CFPB Case number XXXX. 

The collector stated that the items were removed from my credit report. But they are still showing.
Product: Student loan

I reached out to Mohela when my loan didn't automatically get placed in a forbearance status due to REPAYE. They didn't due it in a timely manner and have a past due status still listed on my account despite my account now being in its accurate forbearance status. I keep getting calls about this past due balance which I assumed were scams but apparently they just messed up. I'm concerned that this has been reported to credit agencies and I would like to get this resolved ASAP. When I've called about it I get the run around or I get placed on incredibly long holds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple certified letters to the bureaus in regards to a charge off account that is showing on my credit report by the name of XXXX XXXX. According to the Fair Credit Reporting Act as a consumer I am able to request proper validation that proves that this account belongs to me. The bureau has failed to provide me with any physical evidence that shows that the charge off belongs to me, yet the account is still causing harm to my report. The only " proof '' I receive is what I can already see on my credit report which is the charge off amount. No signatures, the original amount, etc. I keep getting a response stating the charge off is valid, with no proof. I have demanded deletion of the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Hard Inquiries Dear TransUnion, I am writing to formally dispute several hard inquiries on my credit report that I believe are inaccurate and unauthorized. My name is XXXX XXXX XXXX, and my Social Security Number is XXXX I have reviewed my credit report recently and found inquiries that do not belong to me. 

The inquiries in question are as follows : 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 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 According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate. I have not authorized any of these inquiries, and they should not be present on my credit report. 

I kindly request that you investigate these inquiries and remove them from my report. Please send me written confirmation of your findings and the actions taken regarding my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Mortgage

In 2011 we refinanced our home with TD Bank. They paid off the old mortgage company loans we had with XXXX and I have proof of satisfaction from XXXX. Recently we started a VA loan refinance but a few day before closing the new mortgage company informed us that TD Bank never filed the deed with the city of DC so they can not close until TD Bank fixes the original loan and files it with the city. When I call TD Bank I can not get any answers as to why the TD Bank refinance did not close with a Deed filed. We are now past our lock date with the new company and we had a really good interest rate VA load approved. I can not seem to get to anyone high enough at TD Bank to fix the problem so we can continue our current plans and the longer it take the more money it 's costing us due to TD Bank 's original error in 2011.