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

I have sent 3 letters and countless phone calls about this issue. There are multiple inaccuracies with the Chapter XXXX that's reporting on my credit report. Last year I was told the information was verified and two months ago I sent a letter and wanted to know who verified it. I have yet to get a response. I called Missouri federal courts on XX/XX/18 and spoke with a clerk by the name of XXXX who stated typically those written complaints come to his office and he has no record of any validation request for me. I also pointed out that not only was my date of birth incorrect but two accounts showing in bankruptcy where never included in the bankruptcy yet reflecting on my credit report. So a year later I still have the same questions ... Where are the documents that you used to verify this Chapter XXXX bankruptcy? What is the name of the person in your company who verified this Chapter XXXX bankruptcy? What documents did they use to verify it? 
Please provide me with the name of that individual, their business address, and telephone number. Otherwise please remove this inaccuracy from my report.
Product: Student loan

I made a payment of XXXX to be applied to my XXXX payment due after the student loan payment pause. Mohela put my account on forbearance XX/XX/2023 and XX/XX/2023 without my knowledge or consent which caused the payment to be incorrectly applied to my account. 

There was numerous correspondence that they ignored for XXXX weeks in my attempts to have my account fixed. 

I received a message from Mohela and spoke with XXXX reps who said my account was corrected. 

On XX/XX/2023, Mohela put my account into forbearance without my knowledge or consent. This is interfering with my path to student loan forgiveness.
Product: Mortgage

I applied and was approved for a loan modification with Bayview loan servicing. They messed up the first modification and issued me a second as a courtesy, but did n't notify me of the mistakes. I worked with a housing counselor who was the one to first find out about the mistakes. I made payments toward the 1st trial modification but they told me it was the wrong amount because they gave me a second modification and that amount was higher. So the modification is now void and my house is in foreclosure. Also, my house was damaged and the insurance company told me send the check to bayview. I did. Bay view kept telling me the check was sent to loss and found. Long story short they cashed the check ad lied to me for months telling me they did n't know where it was. Even after keeping my XXXX check ( which was more than enough to keep me out of foreclosure, Im scheduled for foreclosure in less than 30 days. Please contact me I fell this is wrong on so many levels and they are trying to steal my home.
Product: Debt collection

Credit Corp Solutions Under the doctrine by ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.
Product: Credit card

I applied for and received a credit card from Chase. I called the number they provided with the card to activate it, which was XXXX. I was told that the activation system was down and they could not activate the card at that time, but they offered to send me a {$100.00} gift card as a token of their appreciation. I said, OK. Then they said I would have to pay a {$4.00} handling charge. I asked if this was a one-time charge and the person said, yes. 
He then, very quickly, read some terms and conditions. From this, I gathered that they were signing me up for some type of service, which would have a monthly fee, because I heard him say I could cancel by calling them at a later time. A that point I told him I did not want this and to cancel it. 
I then went to their website and was able to activate my card immediately. So, I believe they were lying about their activation system being down. 
I believe this is a scam to sign up customers for some type of monthly service with ongoing charges. This seems similar to what XXXX XXXX was doing and possibly worse because it appears to me that they are lying to their customers in order to sign them up for services they do not want. 
Please investigate.
Product: Debt collection

I recently checked my credit report and there was a collection from source receivables manag. that I did not recognize the original creditor is XXXX when I looked into it When I contacted T-Mobile they told me the account was opened back around XXXX I am newly XXXX XXXX XXXX and you can not open an account additionally they told me the account had a birth year of 2000 I am a victim of identity fraud and someone has been using my identity to create fictitious accounts in my name I filed a police and identity theft report and I want this off my report immediately its hindering me being able to take college courses and its not fair
Product: Student loan

I have previously utilized CFPB assistance ( complaint number XXXX ). At this time, I am continuing to have struggles communicating with FedLoan Servicing. They have removed letters from my paperless inbox and have not responded to my multiple requests to return the communications which have occurred around public service forgiveness. Please help me to compel Fedloan Servicing to stop deleting their communications with me. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. 
I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). 
I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. 
I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX | XXXX - {$19000.00} XXXX XXXX | XXXX - {$0.00} XXXX XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX  XXXX - {$0.00} XXXX XXXX  | XXXX - {$0.00} XXXX XXXX XXXX XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I am in receipt of harassment calls all day, XXXX days a week. The calls all come from " 800 SRVCS ''. The calls begin at XXXX am and continue to XXXX pm. The calls are constant and they are the same company I complained about in my prior complaint to you : Complaint ID : XXXX from XX/XX/XXXX. They stopped calling for a few months and then they start up again XXXX months later. The calls began in XX/XX/XXXX ; then stopped in XX/XX/XXXX after your intervention. Once again the same tactics have began. These were some of the same numbers used by Comenity Bank. The caller asks for XXXX XXXX and XXXX XXXX XXXX. They know that these people do not live at this address neither have they ever lived at this address. I don't know these people and have only heard of them from the callers. I believe these callers are trying to get my personal information. I am on the " Do Not Call List ''. They could also be evading the rules of the " List ''. I am absolutely tired of these calls, constant calls. They have promised to stop their harassment ; yet they continue. I don't believe any of this is a coincident. They call from the following numbers : ( XXXX ) ; ( XXXX ) ; ( XXXX ). 

I deserve peace without harassment. Please stop them! I constantly block their phone numbers and then they call from new numbers, listed above. 

Thank you
Product: Credit card

on XX/XX/XXXX I was unjustly evicted BASED ON LAWYERS AND 3 JUDGES IN COLLUSION TO PROTECT THEMSELVES FROM CHARGES OF COLLUSION BETWEEN 2 SEPARATE STATES, NY and NJ. I have pictures and interviews with employees going into apt above mine to turn on broken pipes. THEN POLICE DO NOT TAKE REPORTS. THE XXXX XXXX DID NOT REPAIR THER XXXX XXXX XXXX FRTOM XX/XX/XXXX TO XX/XX/XXXX. I'M XXXX AND THIS BUILDING SIGNED A LEASE THEN TURNED CRIMINAL BECAUSE OF A DOXXED REPORT FROM XXXX. BASED ON A CRIMINAL SOLICITOR WRITING TO BOARD OF MEDICAL EXAMINERS as patient c omplaint letters. Plans are in motion to vacate the LETTER OF ADMONITION THIS FOREIGN LAWYER CAUSED BECAUSE the BOARD DID NOT INVESTIGATE T6HE LEGITAMACY OF THOSE LETTERS, ON MY BED I LEFT MY CELL PHIONE AND THE CAPITOL ONE CREDIT CARD. WHEN I RETURNED TO MY BEDROOM THE POLICE TOOK BOTH, I reported this to CAPITOL ONE AND THEY TOOK ADVANTAGE OF ME AN D REFUSED TO SEND REP [ LACEMENT. I WENT OUT OF, MY WAY TWICE to send copy of my drivers lic ense, once at 1 of their XXXX shops,,, the agent there and I couldnot understand the XXXX person on the phone. I REFUSE XXXXTO PAY ANY LATE FEES OR INTEREST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove several addresses that I have never lived at, as well as duplicates of the addresses that are inaccurate, as well as numerous variations of my name that have been reported, that are however inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

During XXXX I called the bank to try to work out a deferred payment solution during the difficult times. Both my wife and I work in XXXX  and XXXX XXXX  We have at the time 3 mortgages. The two other banks were happy to work with us to a solution. However BAC back whom still holds the mortgage was very rude and unprofessional so I lashed out on social media. Looking back on it now probably was not the best to do because now they have retaliated with a derogatory report on my credit. 

Please help me with this issue how can that even be legal for them to do especially since the mortgage was caught up with full payment even before this negative report was filed? 

All the best, XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I noticed that 2 transactions/payments ( {$3000.00} and {$500.00} ) were made on XX/XX/2022 from my checking account # XXXX to a Bank of America credit card account ( acct # unknown ). 
These payments were not authorized by myself or spouse as we do not have a current BOA credit card or loan. I contacted BOA customer service/fraud dept about this problem on XX/XX/2022. After BOA researched the issue, The only information that they will provide is that these transactions were supposedly made via online bill pay from one of our devices. They denied our claim and said we would need to get a subpoena to disclose which device and who's BOA Credit Card Account was the recipient of our funds. 
They advised us we would need to take our devices to a third party security services company and we would need to provide evidence that the transactions were made without our authorization from our devices. In other words we had to prove that someone else had unauthorized access to the device and had originated the transaction from our device to an account that they refuse to disclose the information about. The lack of transparency about the parties in the transaction and deferring the responsibility to us to prove we did not originate the transaction is an unreasonable request.
Product: Credit reporting or other personal consumer reports

I am formally requesting the immediate removal of the following fraudulent accounts from my credit report due to identity theft and a data breach that compromised my personal information thus causing a domino effect and financial damage to several accounts. I have included supporting documentation, including a data breach notice, a Federal Trade Commission ( FTC ) Identity Theft Report, and a police report, all of which confirm that I am a victim of identity theft. 
Pursuant to 15 U.S. Code 1681c-2, a consumer reporting agency must block the reporting of any information identified as resulting from identity theft within XXXX ( XXXX ) business days of receipt of a valid request. As more than 30 days have passed without resolution, your failure to act constitutes a violation of federal law. I demand the immediate deletion of the following accounts : 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 Furthermore, under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report with the written instruction of the consumer to whom it relates. I have never provided such consent for these fraudulent accounts to be reported, and their presence on my credit file violates my federally protected rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a XXXX account as delinquent and as collection debt. The item they are reporting has wrong dates, wrong company names and an incorrect balance as many charges have attached to accounts. It also reported as an account that has been sold to a third party agency.
Product: Payday loan, title loan, personal loan, or advance loan

Was in the market for services from XXXX XXXX XXXX XXXXand was willing to pay the full amount but was coerced into taking out a loan with an interest rate of 19.9 % that was not disclosed to me. A credit counselor told me this was predatory lending and should be report. 
Loan Summary XXXX XXXX XXXX XXXXXXXX LOAN AMOUNT {$2800.00} LOAN PACKAGE 48 Month Installment Loan APR 19.99 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a security freeze and fraud alert placed on my account since XX/XX/2019 after a fraudulent account was opened on my credit report. Since the freeze, I have continued to receive alerts for fraudulent accounts and specifically, rental screenings that are being completed by XXXX  XXXX XXXX XXXX. On XX/XX/2019 I told the company that the inquiry was fraudulent when an applicant attempted to apply for a community in Florida. I have since received 2 more inquiries and Im told by transunion that theres nothing I can do to stop their rental screening process, despite explaining that I have no intentions of applying to any rental communities in the foreseeable future. Even after disputing, the company will not remove the inquires.
Product: Credit reporting or other personal consumer reports

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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

company will not validate and show the method of verfication for disputed items. i have sent letters out on XXXX XXXX until now every 30 days company still have not validated or provided the method of verification. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX Account Number : Please investigate and delete from my credit report.

5. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of collection accounts on my credit report. Upon reviewing my credit report, I discovered that the collection accounts violate consumer protection laws as it pertains to the reporting of income. Here are accounts in violation : XXXX XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX XXXX Acct # XXXX {$550.00} XXXX XXXX XXXX XXXX Acct # XXXX {$1000.00} The accounts in question stems from a charge-off, which according to the Internal Revenue Service ( IRS ) , is considered as a discharge of indebtedness and is classified as income. As per IRS regulations, this discharged indebtedness is required to be reported as income for tax purposes. However, it is crucial to note that income, including discharged indebtedness, can not be reported on a consumer credit report. 

Under the Fair Credit Reporting Act ( FCRA ), only information pertinent to creditworthiness and financial behavior may be included in consumer credit reports. Income, being a separate entity from credit behavior, is not subject to reporting by consumer reporting agencies. By including this discharged indebtedness on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and subsequently Equifax, XXXX, XXXX are in violation of the FCRA. 

Furthermore, the inclusion of this discharged indebtedness inaccurately portrays my creditworthiness and financial responsibility, as it does not reflect ongoing obligations but rather a past event that has been resolved. 

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX  Account - XXXX XXXX XXXX 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 an account without my written instructions.
Product: Mortgage

Both of my parents were found died on XX/XX/XXXX 2017. My parents had a reverse mortgage which of course was there discussion. After their bank accounts were frozen, 10 days later my parents are dead  to XXXX. I am the one that called Financial Freedom and told them my parents had passed. I even sent copies of the death certificate to them, although we are still waiting on FINAL Autopsy before we can even open an Estee. But Financial Freedom, NEVER BOTHERED TO TELL ME WHEN THE COURT DATE WAS. THEY HAVE SEIZED THE PROPERTY AND IT STILL HAS MY OWN PERSONAL CHILDHOOD ITEMS IN IT. THESE ITEMS NEVER BE REPLACED. WITH LARGE LOCKS. THE DEATH CERTIFICATE IS NOT COMPLETE HOW CAN THE TAKE PROPERTY, WHEN LEGALLY THEY HAVE NOT GOTTEN A FINAL AUTOPSY? I ALSO SENT A REQUEST AT SAME TIME I SENT THERE PENDING DEATH CERTIFICATES, ASKING THEM TO PLEASE SEND A DETAILED LIST OF ALL DEBT OWED, THAT MY INTENTION WAS TO TRY TO SETTLE THIS WHEN I WAS ABLE TO GET INTO THE ESTEE.
Product: Debt collection

I am a consumer XXXX XXXX and my federally protected consumer rights continue to be violated by CAPITAL ONE. I've demanded that CAPITAL ONE validate alleged debt several times. I've requested the contract that was signed by both parties that proves that I owe this alleged debt. CAPITAL ONE has not sent terms and conditions and disclosures of contracts. CAPITAL ONE has sent statements in a coupon format and not a signed invoice for debt. CAPITAL ONE refuses to send a binding contract and refuses to adhere to my several cease and desist that was uploaded in prior complaints.
Product: Checking or savings account

US BANK suddenly decided to freeze my account with my money in it. After numerous calls I was finally transfered to the right department the agent only told me my account with my money innit is being closed and I will receive the funds amd a letter from them explaining the account closure in 3 MONTHS!! I HAVE BILLS I NEED TO PAY TODAY!!! But they don't care about the customers!!! I spoke to someone else who said it's due to unsuccessful login attempts ( me ) and for a couple XXXX transfers to my other bank account which I confirmed that was me and it still doesn't matter they are closing my account and I will get a check from them and a letter in About 3 months so I have to wait until then to get my money back. I HAVE BILLS TODAY AND ALL MY MONEY IS IN THAT ACCOUNT FROZEN FOR UPTO 3 MONTHS!!! I will tell everyone I know about this and to switch Banks. NEVER TRUST US BANK