23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent A INOUIRIES from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

I have been borrowing from Loan Til Payday and I can not seem to ever pay anything more than interest when they are taking {$280.00} out of my check every other week for the past 3 or 4 pays on a {$1000.00} dollar loan and I can not keep doing this. The interest is way to high and just with that along I ca n't put anything towards the principle. I spoke with someone about it and they told me I am getting ripped off and to contact you because XXXX dollars every other week just for interest is insane.I am a single mom of XXXX and needed the money to move into a better house after being almost homeless. Now I ca n't seem to get back on my feet with this high interest alone. I am getting set back further and further by the XXXX being taking out of my account just for interest.
Product: Mortgage

I purchased a home in XX/XX/XXXX, through Bank of America. I made my payments on time every month. I then filed Chapter XXXX bankruptcy on XX/XX/XXXX. My mortgage payment was being paid through my bankruptcy plan on time. I sold my house in XX/XX/XXXX, in which Bank of America was paid in full at that time. My credit report is now showing the last reporting was XX/XX/XXXX and there are XXXX delinquencies showing.
Product: Credit reporting

I had child support payments due from 25 years ago while I was in XXXX. While in XXXX my business went into bankruptcy. The state of XXXX worked with me on the payments but the state of XXXX did n't. I have been paying the state of XXXX XXXX a month for over 10 years now but they are still reporting a XXXX collection on my credit report. Its actually getting larger rather then smaller with each payment. No one will work with me when I communicate this to them and I do n't know where else to turn.
Product: Debt collection

Reference number XXXX Creditor account number XXXX My XXXX XXXX XXXX didnt get this and was not able to process this payment at the moment, I tried to notify, if tried again my XXXX XXXX XXXX Member ID number is XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

We make our payments on the 1st of every month and America 's Servicing Company receives the check and cashes it, but never posts it so it shows up on my credit that we 're 7 months late when we 're not we are current.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, XXXX, or XXXX credit report, and I noticed a negative account reporting on my consumer report. I did not authorize anyone to report this account on my credit report. I have called ALL the credit bureaus and let them know this account listed in the attachment below should not be visible on my report. This is illegal!!!!! Highly Unethical!!!! This is Aggravated identity theft per 18 U.S. Code 1028A! I require this charge off to be removed from my consumer report and credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute a collection on my credit report with experian. I wanted the collection removed from my credit report because it was paid. I had requested several other collections removed as well and Experian removed them with no problem. Now I have the last collection that I have paid and wanted removed and Experian will not remove it and they do not give a reason to way it is still on my credit report. I have requested several times and now someone who works in the dispute department has put a block so I can not dispute the collection with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed " unauthorized '' inquiries with Equifax Credit Bureau. Equifax and Finance companies did not removed the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

never sent results of investigation, and took longer than 30 days as I never got a response! Yet the bad information remains. multiple letters and i've only attached TWO. 
in regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX and Account Name : XXXX XXXX XXXXXXXX, Account Number # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Debt collection

Every time they called me over the last year I asked them to send me proof of a binding contract that could show the contract belonged to me and they only sent me statement
Product: Debt collection

Midland credit called regarding a debt i may owe on a credit card. Two separate representatives refused to mail me any verification to confirm this debt is owed. Threatened to pursue lawsuit to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Home Equity Line of Credit says it was late XX/XX/2019 both on XXXX and XXXX  and XX/XX/2019 in Equifax. 

It was already confirmed by XXXX XXXX that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

XXXX XXXX has already acknowledged this error, but the late payment is still showing up on my credit report.
Product: Debt collection

This has been over 12 yrs tgey kerp selling the accoubt to other debts and harnessing me when i was working ... lieing saying the us Marshals was coming to deal with me about the debt ... causing so much aggravation n harrassment.
Product: Prepaid card

on XXXX XXXX there were several transactions made on my debit card that were not made by me. the total amount was over XXXX dollars and i have yet to see that money.
Product: Checking or savings account

BBVA USA was purchased by PNC Bank. Over the weekend starting Friday XXXX of XXXX they were supposed to migrate accounts, making them available again via the online banking platform by Tuesday XXXX XXXX. This process was a complete disaster. As of today XX/XX/14 at XXXX PM my accounts are not linked in online banking making it near impossible to transfer funds quickly between my business accounts. Their advice has been to go into the branch to make the transfer. Their branches are swamped and just like any other business owner I don't have time to go to a branch for this. At this point payroll will be impacted due to the banks indifference. 

PNC were aware of this problem ( with accounts for clients with multiple EINs ) before the go live, but proceeded anyway, assuming that it was OK to prevent customers from accessing their funds in a timely manner. During the period since the transfer it has been near impossible to communicate with anyone at the bank. While my banker has tried to be supportive their phone lines leave you on hold for over an hour before abruptly hanging up. Their team has made claims on XXXX that they are contacting people by private message, they are not. PNC 's transition of these accounts has been a disaster, senior management decided to proceed with the transition despite knowing of issues their customers would experience.
Product: Credit card or prepaid card

Dear Sir/Madam, Hi, I opened an account in chime on XX/XX/2022 and deposited {$200.00} in thre checking account for a chime secured card. On XX/XX/2022 without any reson they closed my account and didnt return my money.I ask them by phone and email for return but they refused to return my money. 
Thank you
Product: Debt collection

Diversified Adjustments never contacted me prior to placing negative information on my credit report which is a violation of federal law. When I called them to dispute they acted in an unprofessional manner and told me to dispute with credit agencies. I asked for written proof that this debt belongs to me and instead hung on on me. Attempting to illegally collect a debt that is not owed specifically XXXX XXXX XXXX is illegal. My evidence clearly shows they are violating the law and never gave me the right to dispute nor did they have any accurate proof of their claim. This is a violation of FDCPA as well as a violation of FACTACT. I just got this deleted with XXXX XXXX XXXX and in less than 1 week diversified adjustments placed this on my credit report without giving me proof that this debt is mine or giving me a chance to dispute.
Product: Mortgage

Due to the pandemic & LA riots, I have been out of a job for sometime. Since I couldnt pay my mortgage, I applied for forbearance with SPS ( Select Portfolio Servicing inc ), my mortgage servicer. Ive requested to extend my forbearance program in XX/XX/XXXX, with XXXX, followed up on the XXXX, with XXXX, XXXX, with XXXX and was confirmed that I could have an extension till XX/XX/XXXX. 

XXXX, 2021, I received a letter stating that I was going to be delinquent if I didnt pay my balance in full. I spoke to XXXX  different supervisors ( XXXX  XXXX ) ( XXXX ) and ( XXXX ) asking them to go play back the conversations as they are recorded. They refused! 
Ive then applied for mortgage assistance program on XX/XX/XXXX and till today, they are not giving me an answer as to if Im approved or not. Meantime, Im getting letters stating that I am delinquent and facing foreclosure. This is not right!
Product: Credit card or prepaid card

I rented a van from XXXX for two days XX/XX/2018 to XX/XX/2018 using my Bank of America XXXX XXXX Visa XXXX ... XXXX. XXXX XXXX XXXX as a primary coverage for the XX/XX/XXXX rental car and all this agree and documented before I rent the car. On the morning of XX/XX/2018 I was returning the van to XXXX about 10 minutes a way from XXXX I felt some kind of winds kind of lost control of the van, but eventually went of the road manage to control it. However, the van got some damage and it has to be towed. On the day of the incident I paid XXXX the amount of {$170.00} for the two day rental and {$500.00} as reimbursement by XXXX XXXX XX/XX/XXXX when the damage of the estimate is complete. I contact to XXXX XXXX XX/XX/XXXX on the day of the incident with XX/XX/XXXXmanager and provide me information to open the claim. I opened the claim and provide all the document enterprise provide me and XXXX XXXX XXXX requested through the claim. XX/XX/XXXX request to be paid total {$6300.00} for the damage and then after everything completed XXXX XXXX denied my claim three times. I contact Bank of America about this issue and I did join conference call with XXXX XXXX XXXX and Bank of America, but they did nothing only talk. Since XXXX XXXX XXXX denied my claim XXXX sent the bills to me they wouldn't even give me a chance until I resolve the issue. I'm just a service member I don't have that much money and I contact law farms and other legal departments, they refer me to you and I'm hoping someone from this department can help me. Now XXXX sent it to collections because I couldn't paid off by know and its damaging my credits and its causing me a great deal of stress. Please help me and need justice.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, They are hurting my ability to obtain credit. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to NATIONSTAR/MR COOPER about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach Chexsystems via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my chexsystems report but they were not authorized by me and are a result of the identity theft I am suffering. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit report attributed to me ( my credit report ) from XXXX and Experian. The gross errors are alarming together with the facts that I am falsely accused of an address I never had ; a bank account at a bank I never had an account ; a spouse listed which I never had ; a middle initial I never had ; a similar name to mine which belongs to someone else and has the same middle initial but a different middle name ; and the list goes on. It keeps listing a student loan outstanding. I never, ever even had a student loan or used one. And the list goes on.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00}
Product: Credit reporting

Transunion misled me when I was trying to access my credit report. It signed me up for their credit monitoring service when I thought I was getting my free credit report. They also did not provide a way to cancel the service online. I was ultimately charged {$1.00}, and had to call them to cancel the service. Had I not called to cancel they would have significantly increased the payments. Their website service is deliberately misleading.
Product: Student loan

I am a XXXX, XXXX years ago consolidated my loans through Navient in order to enroll in the civil service loan forgiveness program. I was instructed by navient to lower my monthly payment from the aprx. XXXX a month that I was paying, to the minimum payment. They stated that after XXXX years of consecutive payments I would be forgiven of my loans. They enrolled me in autopay and put me on a payment plan that they said was the payment plan required for the student loan forgiveness program. They informed me that I was now enrolled in the program and that as long as I did not miss a payment I would have my loans forgiven in XXXX years. 
In XXXX of 2016 I enrolled in a advanced certificate program for education, once enrolled Navient automatically put my loans in forbearance, I immediately called and asked them not to do so because I was in the loan forgiveness program and could not miss a payment, they canceled to forbearance and told to make my payment manually and that I would still be on track for forgiveness. 
In XXXX 2016 I called Navient to ask a question regarding the status of my loan forgiveness program and to ensure that everything was still on track. They informed me that I was never enrolled in the program and that my payments over the last 3 plus years could not be applied to the program! This was infuriating since a Navient advisor walked me through the process and claimed that they enrolled me in the proper payment plan for the program. I followed them step by step over the phone on how to enroll, they made the changes for me and assured me numerous times over the phone that I was now enrolled in the program and did not need to do anything else. The payment plan that they changed me to has cost me XXXX of dollars in interest that I would not have had if they had informed me of the correct payment plan. I trusted the advisor whom I spoke to and that person misinformed me of the process and enrolled me in the wrong plan costing me thousands of dollars.
Product: Credit reporting or other personal consumer reports

Dear Equifax : I pulled my credit report and noticed that there are items that are not right. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX - XXXX XXXX ( XXXX ) Date Opened : XX/XX/2021 Balance : XXXX Im questioning the accuracy of this item on my report. Please verify this information or remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX/XXXX  Account Number : XXXX XXXX/XXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting incorrect dates on my closed credit card account, on my free annual credit report on XXXX, XXXX, and XXXX  it shows account was opened XX/XX/2014, now on the XXXX  app on my XXXX, XXXX, and XXXX  it shows account opened as XX/XX/2014 I will attach photos for reference but by law it states i as a consumer will be entitled to a fair and accurate reporting under FCRA and this isnt accurate reporting and as such I request Bank of America to remove this account from all three bureaus for inaccurate reporting