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

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX DEPT OF ED/XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX/XXXX DEPT OF ED/XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see incorrect accounts on my credit report, and I dont understand how they ended up there. I check my credit report regularly, but today, there were unexpected mistakes that just appeared. I refreshed my browser, hoping it was just a technical issue, but the errors didnt go away. The inaccurate accounts are still there, and Im really concerned. Im requesting that the documents Ive sent be carefully reviewed so that I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c02 ) that you, the Transunion 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 auto loans, installment loans, and credit cards from XXXX XXXX XXXX XXXX with a balance of {$19000.00}, XXXX XXXX XXXX XXXX with a balance of {$7200.00}, XXXX XXXX with a balance of {$1000.00}, XXXX with a balance of {$500.00}, XXXX XXXX XXXX with a balance of {$300.00}, and XXXX  with a balance of {$40.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit card

This account does not belong to me please remove it from my credit report. 

Thank you.
Product: Checking or savings account

I needed to urgently transfer money out of my Wells Fargo checking account to another bank account in my name. I went through their account verification procedures ( XXXX XXXX  ) and was informed that my bank account was verified. I tried to transfer funds over the next XXXX days but it was not successful. On the fourth day I received a call from a Wells Fargo fraud representative asking me if I was trying to transfer money to this account and I responded yes. They told me that the transaction should now be able to be processed and asked me to try again. I tried again, but was immediately locked out of my account. I called into the Wells Fargo fraud team and explain the situation. I spent over an hour on the phone with them as I tried to get access to my checking account again. Eventually, they restored access and told me that I could now transfer funds to my associated account. I tried again, but the transfer was unsuccessful. I incurred a lot of wasted time and incurred late fees/penalties from not being able to pay the bill on time ( that was why I was trying to transfer money ). To this day I still am not able to transfer money to my associated account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit. I want all negative items removed or deleted from my credit report because you are in direct violation of the FCRA.
Product: Mortgage

My wife and I suffered significant damage to our home During Hurricane Irma in XXXX. Like many others, collecting from our insurance company was a struggle and we ultimately had to pursue litigation against XXXX XXXX to obtain a fair and equitable agreement. We finally settled our claim almost 2 years later. Once we received our settlement check, it was written out to both our Mortgage Company, Roundpoint mortgage Servicing, and ourselves. I got online, opened an insurance claim notice and submitted the endorsed check along with all our receipts to Roundpoint on XX/XX/XXXX. We completed our work and repairs on our home more than a year ago and well before the insurance settlement occurred, paying all our expenses out of pocket and doing most of the repair work ourselves. When I submitted the documentation, I informed them of that and requested an Inspection so the full amount could be released to us as soon as possible. 
It is now nearly 2 months later ... I have received only 2 phone calls and 1 written communication from Roundpoint with a check for slightly more than 10 % of our total insurance settlement and equal to the amount in materials I submitted as part of my paperwork. During both phone calls I placed to Roundpoint, I asked that they please schedule an inspection to release the full amount. I also asked that they release XXXX of the overall settlement up front as it states in their insurance claim processing documents. Both requests have gone ignored. 
It has now been almost a month since I last spoke to them or received any correspondence and I feel that the bank is attempting to hold my funds for their own benefit ( and without interest! ). 
Please help us. We need our funds. The work was completed years ago. We are nearly 3 years since Hurricane Irma and have yet to be made whole. When will this nightmare end?
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have tried to resolve those issue but no luck. I was faced financial hardship losing my job due to the pandemic layoff. The CARES Act, passed in XXXX XXXX gave legal protection to consumers by providing loan forbearance. Under the act, consumers were given the option of not making payments on their loans without suffering any credit-related consequences, like late payments and delinquencies. Also, creditors must make accommodations for people having trouble making payments. But I was never contacted. Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Product: Mortgage

I have been making additional principal payments on my conventional ARM mortgage that was sold to SLS last year. Previously, all of my additional payments have been correctly applied to the principal balance with no issues. This month, I made my regular monthly payment on  XX/XX/XXXX , which was correctly applied to my monthly payment due  XX/XX/XXXX . I then made an additional payment on  XX/XX/XXXX  and instead of applying this to the principal amount, SLS applied it to my  XXXX  payment ( i.e. : the payment not due until  XX/XX/XXXX  ) and pushed my due date out to  XX/XX/XXXX . Coincidentally, my ARM interest rate adjusts as of XX/XX/XXXX . I can only assume SLS has intentionally made this 'mistake ' in order to collect more interest on my loan. I called on  XX/XX/XXXX and explained the situation to the rep, who put me on hold for an inordinately long time 'researching ' the issue. He finally came back on the line and assured me that the problem would be resolved within 2 days. I confirmed with him that meant that it would be resolved as of Friday ( i.e. :  XX/XX/XXXX ) and he indicated that was correct. As of today,  XX/XX/XXXX , the issue is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX This inquiry does not belong to me
Product: Credit reporting or other personal consumer reports

I send Equifax Dispute about False Inquiry on my credit report. Equifax is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry. Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave No One any written consent to report anything on my consumer reports no consent is Fraud and Under 15 U.S Code 1602 ( p ) - Unauthorized use of my Information. Remove all of the fraudulent Inquiry off my credit report. 

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

THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX AL. I STARTED OR ENROLLED IN XX/XX/XXXXI WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX XXXX IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX AL SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS. 5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX XXXX DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHS XX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT. 8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for 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 have never been late on payments for the account ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these pavments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card or prepaid card

Comenity Bank has been contacted in writing 3 separate times with a request for me to receive paper statements of my accounts. I was locked out of my online portal where I had been making my payments and my ability to reset a password was disabled. 
I continued to receive emails with payment due alerts and increases to balances of each account due to late fees and interest. Amounts due on accounts are far higher than when I was able to make payments on a regular monthly schedule. 
I requested paper statements so I could view my account history and make certain no additional charges had been applied as I have had this issue in the past with Comenity and they have had to credit my account due to errors on their end. 
For instance my payment would be due on XXXX of the month and I would make payment on XXXX or morning of XXXX and receive email confirmation but then at later date get notification and late fee applied with no record of payment made. I would contact my bank and see payment was debited on or before due date, share this with Comenity and they would then credit my account correctly. 
I am hoping to resolve these issues as they are affecting my credit history greatly. 
This is in regards to XXXX, XXXX, and XXXX and XXXX. All three accounts have been closed and I was making payments on them up until they locked me out. TheLoft card I was alerted was sold to another credit entity that I will have to work with thanks for the missteps by Comenity Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Database Breach Announced XXXX XXXX 2017 My personal, private information was compromised due to a lacking in their security. 

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

Upon reviewing my credit report, I noticed multiple inaccuracies on a specific account across all three credit bureausXXXX, Equifax, and XXXX. Specifically, the inaccuracies include : Inaccurate account opening dates Inaccurate reporting dates Inaccurate balances Inaccurate last payment dates Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, credit bureaus are legally required to maintain accurate, complete, and verifiable information on consumer reports. Each of these inaccuracies misrepresents my credit history and directly impacts my credit score, potentially leading to negative treatment by lenders and others reviewing my credit report. 
Additionally, the Privacy Act of 1974 reinforces my right to correct inaccurate or incomplete records, as such discrepancies could result in unfair treatment and harm my financial standing. 
I have previously reached out to each bureau to dispute these errors but have not received any response. Given this lack of action, I am now filing a formal complaint with the CFPB to request immediate investigation and correction. These inaccuracies do not meet the legal standards for accuracy, verification, or privacy protection under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX Balance Owed : {$2200.00}, XXXX XXXX XXXX Balance Owed : {$76.00}, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$8600.00}, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$460.00}, XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX. XXXX, XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX  XXXX Balance Owed : {$430.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My mortgage loan transferred from XXXX XXXX XXXX to Shellpoint Mortgage in XXXX, XXXX. However, not all of the funds in my Escrow made it to the second servicer during this transfer process. The second servicer, Shellpoint, claims that the first servicer, XXXX, paid my property taxes before the transfer. But, the first servicer expressly denies doing so. Even their year-end 1098 statement says property tax payments were {$0.00}. So, I'm in a catch XXXX here. XXXX claims they sent $ XXXX to Shellpoint. And Shellpoint claims they received only $ XXXX. Lost {$6000.00} in Escrow with neither parties willing to help me.
Product: Debt collection

I received a letter in XXXX from Kimball , Tirey & St. John LLP, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I responded to the letter, disputing the debt owed. The letter also said that if I dispute they have to stop all collection attempts, including reporting to any credit bureau or informing the credit bureau that the debt is disputed. In response, Kimball, Tirey & St. John mailed me a letter with some random numbers on the back, claiming that was the account. The document had no context and did not include any certified copies or any originals. I mailed a letter saying that they had not only not provided the proof requested but they also reported the debt to credit bureaus and moreover did not report that the debt is disputed. They then proceeded to mail the same generic letter two more times, to which I responded the same. I told them if they mail one more generic letter to me without any proof it would be considered harassment, and so they sent me another letter. They also falsely reported the debt twice to credit bureaus and not it is twice on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know who this company is or what this is for
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have an account with any of these companies or never applied for an account with these companies. it is affecting me from getting a small business loan for my business. XXXX XXXX credit card is unknown to me i been trying for years to have it removed after my ftc case in 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX, OH XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE XXXX XXXX
Product: Checking or savings account

I am a student from XXXX University. 
On XX/XX/2023, I deposited {$7000.00}, which is the second half of my tuition, into a Chase ATM in XXXX XXXX. 
The ATM machine ate my money and gave me a small ticket for reporting an error. I contacted Chase as required by the ticket, but did not receive any valid response. 
Now, as a result of being robbed of {$7000.00} by Chase, I am facing expulsion from school for lack of tuition. Chase 's behavior is a gross violation of the spirit of liberty and equality in the U.S. Constitution and is full of XXXX vitriol. 
In the supporting documents are the ATM 's error ticket and the photo I took of the money before I deposited it.
Product: Debt collection

I have never had XXXX billing, and do not owe any charges for XXXX.
Product: Credit reporting or other personal consumer reports

I viewed my credit report and see that there is a collection on my account from XXXX XXXX XXXX for an apartment I did not stay in. I have a lease agreement and a move in statement for apartment # XXXX. They are collecting for an XXXX XXXX XXXX. I want this removed from my credit report immediately as it is hurting my ability to obtain credit.