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

Spoke w/ XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , FL XXXX ( XXXX ) XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with XXXX or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on XXXX, Equifax and XXXX. 

I do not owe this debt and this account does not belongs to me XXXX XXXX XXXX
Product: Credit card

Two days ago, I received an email from Home Depot thanking me for purchasing {$1000.00} of lumber in XXXX, CA. However, I live in Oklahoma. I logged into my Home Depot Pro Account to find that nearly {$4000.00} in purchases is associated with my account, using a card I DID NOT OPEN and DO NOT OWN. I attempted to call and remedy this situation, but their credit department requires a social security number ( mine was not accepted ) or an account number ( for an account I Dont Have. ) I am at an impasse and refuse to fight with their automated system just to try and counter what is either some very foolish fraud, or a glitch in their systems, any longer. Needless to say : DO NOT OPEN A PRO ACCOUNT. Do not trust Home Depot with your information.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with JEFFERSON CAPITAL SYST plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1200.00}
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXXXXXX XXXX XXXXXXXX ( Civil Liability for Willful Noncompliance ) and XXXXXXXX XXXX XXXX XXXX  ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXXXXXX XXXX XXXX XXXX XXXX Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They must be deleted from my report.
Product: Mortgage

We have made regular payments as agreed with new servicer, Shellpoint Mortgage, however their records show I am one month behind. They have charged late fees after two months without resolution, I was forced to pay an extra payment to get ahead and avoid the late charges, hoping it would be resolved in the meantime. I was wrong. The company has been unresponsive via telephone, has hung up on me, transfer me to someone else and then start over as if no knowledge. I have spent hours on the phone with no resolution or real help. Was told someone would call back next day, nothing. I then called a Supervisor, who has been contacted on two occasions and has not ever responded. Wrote Error resolution notice letter, with my phone number, and they took over 30 days to respond and simply wrote back " unable to determine that any error has occurred ''. It's bad! There are so many errors and inconsistent reporting I wonder if the Servicing company is legitimate company or scam.
Product: Credit reporting or other personal consumer reports

Re : Final XXXX Notice Before Legal Action Consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX notice of multiple documented violations of the Fair Credit Reporting Act ( FCRA ) concerning my credit profile. 
The following discrepancies have been identified : Credit Profile Discrepancies Credit Score Variance : XXXXXXXX XXXX XXXXXXXX ( {$56000.00} difference ) Total Accounts : XXXX vs XXXX ( XXXX account difference ) Derogatory Marks : XXXX XXXX XXXX XXXX XXXXXXXX difference ) Account-Specific Violations ( {$1000.00} each ) XXXX. XXXX XXXX XXXX XXXX ( {$40000.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Inconsistent loan terms XXXX XXXX XXXX XXXX months ) XXXX. Different last payment dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX XXXX XXXX ( {$2300.00} ) XXXX. Missing payment history XXXX. Different account numbers ( XXXX ) XXXX. Inconsistent charge-off dates XXXX. XXXX XXXX XXXX ( {$5600.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Varying payment histories XXXX. Inconsistent original balance reporting XXXX. XXXX XXXX ( {$6100.00} ) XXXX. Different past due amounts ( {$3200.00} vs {$2400.00} ) XXXX. Inconsistent account types XXXX. Different opening dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. XXXX XXXXXXXX ( {$2200.00} ) XXXX. Different opening dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. Inconsistent payment histories XXXX. Varying charge-off sequences FCRA Violations Summary XXXX. Accuracy Failures ( 1681e ( b ) ) Inconsistent balance reporting Different account statuses Varying payment histories 2. Investigation Failures ( 1681i ( a ) ) Failed to properly investigate disputes ( XXXX ) No response to written disputes Failed to update information after disputes XXXX. Joint Notification System Failure ( 1681b ( e ) ( 6 ) ) Failed to maintain consistent reporting across bureaus Different personal information reported Inconsistent account details Total FCRA Violations : XXXX Total Statutory Damages : {$15000.00} Due to the extended period of non-compliance and multiple unsuccessful dispute attempts over the past year, you are hereby given XXXX days from the date of this letter to : Correct all inaccurate information identified above Provide written confirmation of the corrections made Compensate the statutory damages of {$15000.00} I. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXXXXXX XXXX XXXXXX/XX/XXXX CFPB Complaint Number # XXXXXXXX XXXX XXXXXX/XX/XXXX CFPB Complaint Number # XXXX This abbreviated timeline is justified by : XXXX. XXXX year of failed dispute attempts XXXX. Continued reporting of inaccurate information XXXX. Multiple unresolved FCRA violations XXXX. Significant financial harm caused
Product: Student loan

I am writing to formally address a significant issue regarding the unauthorized consolidation of my federal student loan and its impact on my eligibility for the XXXX XXXX XXXX XXXX ( XXXX ) program. While I have no issue fulfilling my obligation to repay my loan, I am deeply concerned about the unauthorized actions taken by XXXX XXXX ( now MOHELA ) that have adversely affected my loan terms and PSLF progress. 

Specifically, my XXXX XXXX Loan in the amount of {$24000.00}, originated on XX/XX/XXXX XXXX was consolidated by XXXX XXXX on XX/XX/XXXX, without my consent or knowledge. There is no master promissory note or any documentation in existence that reflects my authorization for this consolidation. As a result of this action, the terms of my loan were altered, including an increase in the interest rate from 2.5 % to 3.5 %. Furthermore, the loan was transferred to a different account on XX/XX/XXXX, again without my approval or awareness. 

This unauthorized consolidation has caused significant harm, including the loss of qualifying payments toward XXXX. I have been making consistent payments under the XXXX program, which should have been counted as qualifying payments. However, due to the unjustified consolidation, these payments were not credited correctly. The only action I took in XX/XX/XXXX2017 was recertifying my income-driven repayment plan, which should not have triggered a consolidation or altered my loan disbursement date. 

Upon discovering this error in XX/XX/XXXX2018, I immediately contacted XXXX XXXX to resolve the issue. Unfortunately, I was informed that the consolidation could not be reversed, nor could my original disbursement date be restored. While XXXX XXXX offered to reduce the new interest rate by XXXX percentage point, this adjustment still left me with a higher rate than my original 2.5 %. Additionally, XXXX XXXX assured me that eligible payments would be credited toward XXXX. However, since the transfer of my loan to a new servicer, these commitments have not been honored. 

To date, I have not received any documentation, including a master promissory note or other supporting materials, that verifies my consent for the consolidation of my loan. This lack of documentation further underscores the unauthorized nature of this action.
Product: Credit reporting or other personal consumer reports

This CFPB has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) 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 a personal credit XXXX  XXXX account opened XX/XX/XXXX, and XXXX XXXX  XX/XX/XXXX account opened XX/XX/XXXX XXXX XXXX  and opened account XXXX  XX/XX/XXXX account opened XXXX XXXX XXXX XX/XX/XXXX and account XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 report. 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 fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint 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: Credit reporting or other personal consumer reports

Experian has refused to correct an incorrect address on my credit report, despite multiple attempts on my part to resolve the issue by sending letters with the necessary documentation to verify my current address. The correct address is XXXX XXXX XXXX, XXXX XXXX, IL XXXX, but they continue to report the wrong address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to investigate and correct errors within XXXX days, and 15 U.S.C. 1681e ( b ), which mandates maximum accuracy in reported information. Despite my efforts, Experian has not made the necessary corrections. I request that this issue be investigated and that Experian complies with the law by correcting the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau did not follow the Fair Credit Reporting Act Law. I wrote to Experian over 45 days ago requesting their Method Of Verification for negative accounts they are reporting under my name, and they did not provide it for me. Therefore I believe they are intentionally reporting inaccurate information on my credit report.
Product: Money transfer, virtual currency, or money service

I was out of the country on XX/XX/2024. I left my phone in my bag a few times on my vacation. On XX/XX/XXXX, i realized that my bank account was missing {$1000.00}. I immediately checked my accounts to see what happened. I realized that my XXXX was used to send money to a person that i dont know. I contacted XXXX to report it as a scam & said that i didnt authorize this money to be sent. XXXX told me that there wasnt anything further they could do and they said that this wasnt fraud. I contacted Chase Bank to report it as a scam & they closed my card, sent me a new one, and temporarily put the money back. Yesterday, XX/XX/2024, i received a letter from chase saying that my claim was denied and they would be taking out the {$1000.00} from my bank account again on XX/XX/2024. I called the bank find out what happened & to get further documentation for my claim. The associate that i spoke with told me that i had sent money to this person before and that you could see it in my bank statement. When i told her that was not true, she became frazzled then proceeded to make things up, like well youve received money here before from XXXX XXXX & it was from the same person. Thats why you cant get your money back. When i asked her to speak to her supervisor, she tried to get me to change my mind & stated that i should just call XXXX. When i spoke to her supervisor, they stated that chase wouldnt return my money because i used XXXX before & the IP address was the same for sending the money. I told him that both of those things were true but Ive never sent this person money before because i dont know them. When i asked him for further details, he said he couldnt give them to me because the details were meant to be internal. How is that possible when Im the one whose money has been taken? I didnt have my phone on me 24/7 but i dont know this person. Much less, i dont send {$1000.00} on XXXX XXXX ever. I only send that amount of money on XXXX.
Product: Debt collection

This debt was reported on 2 of my credit reports ( XXXX, XXXX ). The collection account ( The Phoneix recovery Group ) Has been taken off my XXXX on XX/XX/2023. And is still on my XXXX this debt is a fraudulent debt that should have been removed from my credit report. Id like to report this debt Collection issues for it to be removed and be resolved.
Product: Credit reporting or other personal consumer reports

they refuse to correct the address where i live. they have it as XXXX. i live in a single family residence. no apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit collection services is reporting inaccurate information to the credit bureaus regarding my credit report without giving me any validation or sufficient information regarding the alleged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022. {$660.00} In accordance with the Fair Credit Reporting Act XXXX Account # 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: Debt collection

I sent in a complaint yesterday to National Credit Adjusters to 1- Cease & Desist communication through ANY medium which any medium is including my consumer report. The company replied but did not rectify the specified remedy that I am asking for. I want National Credit Adjustors to remove this alleged debt from off of my consumer report and compensate me for ruining my reputation which is a direct violation of 15 USC 1692d ( 1 ) and they are civilly held liable to do so. I have asked in a precise manner failure to do so will result in me proceeding with legal matters and compensatory damages this is my second attempt to rectify this situation. The more time I have to spend on this the more hurt it is causing to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian has incorrect Credit Score for me My correct Credit Score should be XXXX. I feel I am being Discriminated against because I am XXXX American. I want a full investigation into both credit Reporting agencies. Because of this misinformation I am being Denied Credit.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$990.00}, XXXX XXXX  Bal. {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

I received an email stating that my loan was paid in full, and closed on XX/XX/year>. 

" We recently processed the final payment of your XXXX loan ending XXXX. Your loan has now been closed, as it is paid in full. '' Since before that date, I had been requesting a copy of the loan agreement and terms. 

Citizens Bank has always stated that they can not provide the loan agreement or terms. 

This is strange, because their own website FAQ ( available at the bottom of the page, from the home page url ) says to call them for a copy of the terms. 

Twice now, I have escalated to a supervisor, who has said the loan terms will be mailed to me. 

Many months have passed, and no terms have been sent. 

I have found out that the loan was not fully paid off, despite the email advising that it had been, and is now in collections. 

Still, the bank refuses to send me a copy of the terms. My most recent call today, was met with the same answer. It is not possible to send a copy of the terms.
Product: Mortgage

XXXX BANK SOLD MY LOAN TO SETERUS MORTGAGE WITHOUT GIVEN ME NOTICE. I AM FACING A HARDSHIP SOMEONE AT SETERUS, STATED TO US WE CAN FILLOUT BORROWER ASSISTANCE FORM, BUT ITS A DOUBT I WILL RECEVE ASSISTANCE.
Product: Credit reporting or other personal consumer reports

A hard inquiry XXXX XXXX XXXX XXXX XXXX ) has been added to my TransUnion credit report without my permission.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX, Comenity Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I used a in store credit card only once. I had a {$32.00} balance, I never got a statement so I incurred a {$27.00}. I called and got the late fee waived, and paid the balance in full. I just received a bill that stated I had a XXXX cent balance, and now I just got another bill that shows {$1.00} with a {$1.00} service fee. I tried to close the account but could not get anyone on the phone to help me. 
I am afraid they will just keep the account open to charge more fees. 

I want to close out the account.
Product: Credit reporting

Tried disputing several times with Equifax. They wo n't take it off, and half the time their online dispute wo n't even work. Tried talking to a customer support guy about it and instead of addressing the issue, referred me to an article that had nothing to do with my problem and then disconnected on me. The XXXX accounts in question are the primary care partners ones, and I even attached proof that they were paid, which I will do so again. The document shows the credit card charge, which has the collection agencies account numer and phone number listed right there.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

On or about XXXX XX/XX/2022, XXXX XXXX XXXX ( PNC branch manager ) reached out to me apply for credit card. I applied on XXXX XX/XX/2022. Despite great credit score, my credit card application was rejected with the following reasons : 1. Proportion of balances to credit limits too high on bank revolving or other revolving accounts.

2. Lack of recent installment loan information.

3. Too many inquiries last 12 months 4. Length of time revolving accounts have been established. 


If my credit card application was to be rejected, why PNC solicited me at the first place? 
Within 10 days, my credit card application from XXXXXXXX XXXX  was approved. 

It seems PNC bank has no idea what they are doing or why they are doing so?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2018, I received a phone call while outside the company on a vacation with my family. The caller stated that he was calling from XXXX XXXX and stated that we were referred to him by an individual to offer us business credit card for our business use. I was initially hesitant but agreed to proceed only if the card credit decision will be based solely on the business credit report. This was made very clear then I am asked for my social security number. I refused to give him my social security number and made it absolutely clear that I wouldn't continue when he asked for my SSN. 

I informed him that I don't want my credit to be used neither do I want to be personally linked to the credit decision. I informed him that I will not continue with process if my credit will be checked. He assured me that he can use only the business credit and then proceeded to ask for the business federal tax ID. I obliged and gave him the business information. I NEVER AGREED TO HAVE MY PERSONAL CREDIT CHECKED, INFACT, I REFUSED THAT REQUEST. To my surprise, I received a letter from XXXX XXXX addressed personally to me stating that I was denied credit card because of my credit report. What! I called XXXX XXXX and all they can say is that they will remove the point from my credit report. 

I am beyond furious for the invasion of privacy.
Product: Credit card or prepaid card

For the past six years I've tried to have Chase bank correct my name on all communications sent to me. They have someone's name linked to my online profile. This is very concerning and it seems as if no one there knows how to fix the problem.
Product: Credit reporting or other personal consumer reports

I've been trying to get Equifax to release my credit score. They keep offering to TELL me my score over the phone, or sending me a hard copy of my score. 

I thought problem was my current mailing address, but when I spoke with the local Postmaster, he stated that the city, ( XXXX, or XXXX ) does not matter. The zipcode matters. 

I am beyond upset with Equifax. My data was breached under their care and now they have the nerve to hold my score from being seen. How is this legal?