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

My credit report reflects a loan from XXXX XXXX I do not have a loan. I have not signed a promissory note to make monthly payments ; however my credit report shows I am 90 days past due on a one year loan. This is fraud and I demand under the FCRA this be removed from my credit report.
Product: Debt collection

Im being charged with collection from Credit Collection Service for {$470.00} by " XXXX XXXX XXXX XXXXXXXX XXXX I do not owe them anything and this is a fraudulent collection.
Product: Credit reporting or other personal consumer reports

This is my latest complaint regarding of being a victim of identity theft and I submit today to dispute specific items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on these items are REMOVED from other bureaus and I have doubts in their accuracy and the reported payment history on these items are a mystery to me. Here is the list of items that I specified for REMOVAL : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SKOCKED TO KNOW THAT I HAVE BEEN A VICTOME OF IDENITY THEFT. I FOUND NUMEROUS CLOSED COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS HAS BEEN HURTING ME AND MY CREDIT REPORT AS I AM IN THE PROCCES OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE ALL FRAUDULENT CLOSED ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$2200.00} ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX. XX/XX/XXXX BALANCE {$350.00} ACCOUNT NUMBER XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XX/XX/XXXX BALANCE {$2400.00} ACCOUNT NUMBER XXXX. 

I AM ALSO ATTACHING MY DRIVER LICENSE SOCIAL SECURITY IDENITY THEFT REPORT AND UTILITY BILL. 


THANK YOU
Product: Mortgage

4 yrs ago I got divorced and my former wife left our condo and all contents to me, according to the decree. After contacting my mortgage company about not being able to pay my mortgage on time, they worked with me and allowed me to do a loan modification, which essentially cut my payment in half. To this day my former wife is on the mortgage. The lender, US Bank, never alerted me of a form with which to remove my former wife, known as an assumption. During the process I informed US Bank of my situation repeatedly but for some reason they did n't lead me down the road of the assumption paperwork. Now here I am 3.5 yrs later and they want me to submit financial documents as if I am applying for a loan for the first time, which of course is what I did 4 yrs ago. At that time my financials were the only ones submitted. I have been paying off the mortgage on my own, of course. I strongly believe that this all should have been taken care of 3.5 yrs ago. I believe that they are going to try and charge me 1 % of my principal balance ... .Can you help me to understand this issue because it sure seems like US Bank is in the wrong here? All I am trying to do is have my former wife taken off the mortgage ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to the dispute the inaccuracy of a closed account with Capital One Auto Financing, account number XXXX. It shows that this account became a charge off when in fact this account was paid off on time. XXXX was the only bureau that had it correct as paid as agreed. As of today XXXX status has changed to paid charge off after being closed for 2 years. This is reflected on all 3 bureaus, XXXX, XXXX and XXXX XXXX which is affecting my score and credit worthiness. I had not missed a payment or ever been late and all of a sudden on the very last payment it shows I didn't pay on time. I have proof that this account was paid on time according to my bank statement. 
I ordered a transaction history report from Capital One Auto Financing that shows inaccuracies regarding their reporting to each of the bureaus. For example below are a just a couple of inaccuracies I discovered. 
In XX/XX/2015, XXXX Report shows ND for no data recorded. But when you look at the Capital One Transaction History Report, a payment was recorded XX/XX/2015. XXXX XXXX shows a payment for XX/XX/2015. XXXX  does not. XXXX   shows all payments recorded correctly. 
Next one in XX/XX/2015 XXXX XXXX Report shows NR ( not reported ). But when you look at the Capital One Transaction History Report a payment was recorded XX/XX/2015. XXXX  shows a payment for XX/XX/2015. XXXX XXXX does not. XXXX   shows all payments recorded correctly. These are just a few of the inaccuracies there are many more that follow.
Product: Credit reporting or other personal consumer reports

I have XXXX collection accounts on my credit reports. According to 15 USC 1692. The law states that these companies are suppose to cease communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the the consumer with respect to such debt. Which these accounts should not be on my credit report, that is form of communications The company names are : Credit Collection service Account Numbers : XXXX XXXX XXXX The address for the above credit collection agency is XXXX XXXX XXXX, XXXX MA XXXX The next company is First point Collection Recourse : XXXX XXXX XXXX XXXX NC XXXX. Act # XXXX Can you please have them remove this from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

failure to report all of my creditors in the credit report thereby causing a low credit score causing a denial in credit applications. I contacted the Experian credit bureau and so did my law firm to no avail.
Product: Debt collection

JPMCB is reporting a charge-off account on my credit reports ending in XXXX. This account was opened in my name without my authorization. I don't recognize the reported account. I asked JPMCB to validate with a contract for proof of signature, this doesn't exist. This is a request for the account to be deleted from XXXX, XXXX, & XXXX
Product: Credit reporting or other personal consumer reports

hese inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

I had previously filed a dispute and complaint with both XXXX ( complaint # XXXX ) and Transunion ( XXXX # XXXX ) regarding unverifiable accounts that were on my report. I requested that they seek evidence that I received an initial communication from those debt collectors during their investigation and it came back verified. However when I spoke with the furnishers, they could NOT provide me with an of the requested documents thus proving they are violating the FDCPA and the FCRA. In addition, XXXX has deleted one of the accounts from my report ( XXXX XXXX ) as they could not verify the account. This leads me to believe that both Transunion and XXXX did NOT conduct a proper investigation as required by section 611 of the FCRA which is a violation. See attached. I am demanding that these agencies promptly remove these items from my report. Failure will lead to further action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Date of Birth : XX/XX/year>XXXX  SS # : XXXX date:XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to file a complaint about an account that does not belong to me and is inaccurately reported on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The account in question is with [ name of the financial institution or bank listed on the report ] and has been incorrectly associated with my name. This error has negatively impacted my credit score and my ability to access credit and other financial services. According to the FCRA, specifically Sections 611 and 623, I am entitled to accurate information in my credit report. 

Information on the Disputed Account : Name of Financial Institution : XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX Current Reported Balance : {$9900.00} I have attempted to resolve this inaccuracy directly with the financial institution and the credit reporting agencies, but I have not received a satisfactory resolution. Under Section 611 of the FCRA, I have the right to have this incorrect information investigated and corrected in a reasonable timeframe. Furthermore, Section 623 of the FCRA requires that data furnishers report only accurate and verified information in consumers credit histories. 

Enclosed with this letter are copies of my identification and other relevant documents that may assist in verifying my identity and supporting my claim. I appreciate your assistance in rectifying this error and ensuring compliance with the FCRAs accuracy and precision requirements. 

Thank you in advance for your attention and help in resolving this complaint. 

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

Hello, I am a service member and I requested a lower interest rate for my XXXX XXXX XXXX XXXX  and never received confirmation. Then my account was closed due to returned payment. I reached out to the company several times and no response.
Product: Credit reporting or other personal consumer reports

the credit bureau is refusing to remove outdated information in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Subject : Request for Removal of Fraudulent Hard Inquiries from Credit Report I am writing to formally request the removal of unauthorized hard inquiries from my credit report, which appear to have been made fraudulently under my name. It has recently come to my attention that my identity may have been compromised, and I did not authorize or initiate the following credit inquiries : XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX as reported by Equifax Information Services LLC and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQuifax has on numerous occasions reduce my credit score Just recently I had XXXX Fraudulently established accounts removed ( XXXX XXXX XXXX XXXX ) as with an inquiry supporting XXXX of the accounts and in accordance to the algorithms referencing time established on the credit report which XXXX  was a new account XX/XX/20 but this was a Fraudulent account I disputed and my credit score should have been raised higher than XXXX XXXX being that one in both situation these were compromise fraudulently established accounts and duration of time left on my credit report subsequent to me notifying Equifax of fraudulent compromised documentation.
Product: Mortgage

PHH is my new loan service company. My old service company is XXXX. 

PHH began to service my loan and PHH does not acknowledge the mortgage payments that I made during XXXX, before PHH began to service my loan.

I want PHH to honor the loan modification agreement that I signed while my loan was serviced by XXXX  and which should still be in effect at PHH.

I want PHH to correct the late payment errors on my credit report. 


I applied for a loan modification and XXXX mailed a letter to me dated XX/XX/, stating, You have been approved for the foreclosure prevention alternative : Flex Modification. ) On XX/XX/XXXX  I phoned XXXX from my attorneys office ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX ). With my attorney listening in as a witness, I made the three required trial plan payments of {$890.00} for a total of {$2600.00} ( confirmation # XXXX ). 
That weekend I checked my checking account and did not see that the payment of {$2600.00} had cleared my bank. I was worried that the XXXX representative had made and error, so I made another payment of {$890.00}, which is the amount for one month. On Monday, XX/XX/, all of the payments had cleared my bank. At this point, I had made a total of four months payments. 
XXXX mailed a letter to me dated XX/XX/XXXX  stating, You are receiving this letter because we have received your final trial plan payment, which means you have successfully completed your trial plan period. 
XXXX mailed to me the final loan modification documents with a XXXX envelope. On XX/XX/, I took the documents to my attorney XXXX XXXX, to review. I signed the documents and they were notarized by my attorneys office. I placed the documents in the XXXX  envelope and put the envelope into a XXXX  drop box. XXXX acknowledged that they received the signed final loan modification documents. XXXX mailed me the final executed modification agreement dated XX/XX/. 

I continued to make my mortgage payments. 
XX/XX/XXXX  {$890.00} XX/XX/XXXX  {$1000.00} ( I paid {$1000.00} via my bank online because a XXXX employee said that I had to pay this amount. ) XX/XX/XXXX  {$890.00} XX/XX/XXXX  {$890.00} XX/XX/XXXX  {$890.00} XX/XX/XXXX  {$890.00} PHH is not crediting me with the payments that I made and PHH says my loan is in default because PHH says that I have not made any payments in the year XXXX.
Product: Credit reporting or other personal consumer reports

I was shocked this morning when I found inaccurate accounts on my credit report, and I have no idea why theyre there. I check my report regularly, but this time, out of nowhere, there were mistakes. I even refreshed my browser, thinking it was a glitch, but the wrong accounts didnt go away. I really hope the documents I sent are reviewed thoroughly so I can stop worrying about this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquires reporting on my credit, that I do not apply for. 

XXXX XXXX - XXXX XXXX 2022 XXXX XXXX XXXX - XXXX XXXX 2022
Product: Debt collection

My problem is with Comenity Bank and/or with their debt collection practices. 

I had an XXXX Credit Card with XXXX XXXX XXXX. Late XXXX, Comenity Bank apparently took over the closed account or they took over debt collection for a closed account. But the situation was very unclear and suspicious and appeared fraudulent, because I never had an XXXX Credit Card with Comenity Bank, as they had portrayed. They refer to this account as " XXXX XXXX XXXX ''. The situation looked fraudulent to me, because it seems like some suspicious phishing scheme that does not know how to spell " community ''. 

Nonetheless, I followed the instructions and paid them the requested amount of {$150.00} on XX/XX/XXXX, following their website instructions. Documentation attached or available from my XXXX account. 

Comenity deposited the check for {$150.00} on XX/XX/XXXX. Documentation attached or available from my XXXX account. 

During this time, I also disputed this incident and the negative remarks with the Credit Reporting bureaus, like XXXX, XXXX, etc. Also, it seems like a {$150.00} amount was credited to another Comenity Card that I have with " XXXX XXXX ''. So my thinking had been that perhaps, as part of the closure of the issue with the credit score disputes, they credited the check to " XXXX XXXX '', after closing out the Debt at " XXXX Credit Card '', previously with XXXX XXXX XXXX. On XX/XX/XXXX, Comenity sent me a Refund Check of {$150.00}. I have done nothing with this check, as it seems like a " scheme '' to draw me back into debt collection and " late fees '', if I were to deposit it. 

On XX/XX/XXXX, the daily calls and emails from Comenity Bank resumed regarding " XXXX Credit Card ''. 

My concern is that I am in an endless loop of debt collection with this company, for which they will charge " late fees '' and degrade my credit score. I followed their instructions, paid {$150.00}, which they received and deposited. 

My desired outcome of this complaint is that Comenity Bank should properly account for the check that I had previously sent them, and/or otherwise, close the case of this debt. They should no longer contact me regarding this debt. Additionally, they should please close my other account with them. I want no relationship and no contact with Comenity Bank, as they seem phishy, disreputable in the handling of this matter, and they have aggressive daily phone calls, when I have previously request " stop contact ' and only communicate with me via certified mail. ( Documentation attached and/or available. ) Thank you.
Product: Credit card or prepaid card

I ordered shoes from a company called XXXX XXXX in the amount of {$5300.00} on XX/XX/XXXX. 

I returned the shoes after deciding that I no longer wanted them and regretted the purchase and used the return label provided to me by XXXX XXXX the courier was XXXX. 

After returning the items, I checked in on my tracking a week later and noticed that the package was not going to the correct place and ended up becoming lost. Throughout this time I kept constant communication with XXXX XXXX regarding my refund. They kept telling me to wait 7-14 business days from the day I made my return. 

After the 14th business day and still no refund I asked again and the tracking then showed that my package was lost and/or the courier was disposing of it. 

After alerting XXXX XXXX of this, they said they would file a claim with XXXX regarding this issue, but they would not be refunding me if they did not receive the return. They told me to wait another 7-16 business days this time. 

After the 16th additional business day, XXXX XXXX told me that XXXX denied their claim and stated that I would now have to file a claim with XXXX  or with my bank for the funds. Additionally, throughout this whole process, I was constantly having to contact XXXX XXXX every other day for an update. 

I filed the claim with my bank and was forced to wait another 30 days for them to investigate and if after the 30 days they did not receive a response from the merchant they would process my chargeback and I would receive my funds back. After the 30 days, and providing all the information to my bank showing the email threads with XXXX XXXX, tracking information and that XXXX lost my return package. Mind you my bank did not make any effort to contact or update me throughout this process, I had to call every week. They finally told me that this issue is not theirs and there was nothing they could do for me and that I would have to file a claim with XXXX the courier. EVEN THOUGH, the label was provided to me by the merchant they said they could not force the chargeback since the merchant did not receive my return which THEIR courier of choice lost in transit. 

After reaching out to XXXX to file claim, XXXX would not allow me to file a claim because the merchant already opened up 2 claims on this tracking ID and that was their limit. XXXX also stated that this was an issue that I would have to resolve with the merchant because THEY provided me with the return label. 

Now I am at a standstill with XXXX XXXX, XXXX, and Wells Fargo all pointing fingers at each other while I am short {$5300.00} AND the shoes that I already returned and didn't get my money back for. I am short the money and the product because of XXXX losing my return package. 

I am filing this complaint against Wells Fargo for not following through with my chargeback and getting my money back, when I did everything I had to do on my end, from returning the products which the merchant-chosen courier ended up losing, to filing a claim with XXXX XXXX for not issuing my refund, and filing a chargeback with Wells Fargo which they are refusing to get my money back for me.
Product: Debt collection

i keep receiving letters from RESURGENT CAPITAL SERVICES about a debt that was paid off in XXXX from XXXX of which i paid off this has been paid off because I made a settlement with the first collection agency in XXXX I sent RESURGENT documents to prove this and each time I call them they would say the documents are insufficient and don't prove that it was paid off it keeps saying it is owed by LVNV FUNDING LLC. i sent all the paid off letters and when the payments where coming out of my checking account .also the persons who took payments out, I even sent them conversations we had concerning this matter this account needs to be fixed, this goes back to XXXX
Product: Checking or savings account

On XX/XX/2021, I made a credit card payment through my online banking account. I noticed the balance amount was not a good number ; thus, I made an additional payment for a few dollars. The payment was processed immediately. The monthly payment was due the following day XX/XX/2021, which was a Sunday. I sent a message through the online banking system inquiring about the status of the monthly payment, but still have not received a response. Since I live on a fixed income, I could not attempt to make another payment in fear of overdrawing the account. I telephoned the bank on the XXXX, and to my dismay, the monthly payment was not processed and there is no record thereof. So, I made another payment and the fees are as follows : Late Payment Fee {$27.00} Monthly Interest Charge on Cash Advance {$30.00} Monthly Interest Chare on Purchases {$70.00} These Fees Total {$120.00} I telephoned the bank again asking them to waive the fee, and my request was denied since a late fee was waived in XX/XX/2021. 

There is a branch downtown close to where I live so I usually go there to use the atm, and when the atm is not working I go over to XXXX XXXX next door, and I am charged a fee by my bank, Bank of the West, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested