23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was randomly charged by a company called First Federal Credit Control , Inc. for the amount of {$150.00} USD as I have no association with this company. I submitted a request to inquire on the incident on their website and received no communication to remove this statement. I initially noticed this bill when I saw my credit score drop. I've read reviews for this company and it is clear that this is not the first incident. I am very upset and I hope you can help me resolve this matter ; I have submitted a XXXX dispute claim as well. Thank you for your time. 

Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of inquiry XX/XX/2021
Product: Debt collection

XXXX XXXX XXXX XXXX continues to send me a printout of a bill or itemized document as debt validation. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company can not provide me any documents bearing my signature showing I have a legal binding contractual obligation to their company. I did not give permission under the FCRA, FDCPA, or congress law for them to report this account against me while violating my rights under the law. This account needs to be removed immediately from my credit from all credit bureaus. I have consulted with attorneys, the Attorney Generals Office, CFPB and XXXX  on this issue. XXXX XXXX XXXX XXXX has XXXX  days to delete the accounts in violation before I sue for violations.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, inquiries : 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 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: Student loan

I was notified by studentaid.gov that my unsubsidized direct Federal loan was ready to be forgiven under the Public Service Loan Forgiveness program, for which I've made XXXX of the required XXXX payments. Mohela, my loan servicer, has not yet discharged the loan. I have called them numerous times for remedy. At one point they deferred my loan, but now are notifying me that I need to start making payments again.
Product: Debt collection

This company never provided a copy of the original contract between myself and the original creditor where I AGREED to the assignment of the debt ; with my actual ink signature. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal actions against you and Financial Assistance Inc because you are violating my consumer rights. This account is inaccurate and violates laws 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb.
Product: Credit reporting or other personal consumer reports

1 ST REQUEST Corrections Requested : 1. Address 2. Name 3. SSN 4. Birthdate 5. Employment Status 6. Current Phone Number I provided copies of my driver 's license, social security card and my current phone bill. All of the requests except one could be verified from the documents submitted.

In closing, all copies of my interactions have been included.
Product: Credit reporting or other personal consumer reports

THERE IS INFOMATION ON MY CONSUMER REPORT THAT IS IN RESULT OF A DATA BREACH. I WOULD THE THE FOLLOWING ACCOUNTS TO BE DELETE ASAP FROM MY CREDIT REPORT, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL LOAN ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

When attempting to close on the sale of our home in New York state, it was determined that Bank of America, failed to file a " discharge '' of the lien within the 30 day period allowed by New York State. We were then forced to purchase " title insurance '' for {$1100.00}, plus additional attorney  fees, delaying our final closing for several days. We filed a complaint with New York State Department of Financial Services asking for {$1100.00} + costs to reimburse us the additional monies we had to put forth to close on the sale of our home. Now, Bank of America, is requesting ; The Account Number of the loan ; full name and property address ; full name of the attorney representing us ; the date of expiration of our claim ; and a Statement authorizing Bank of America to contact our attorney.
Product: Payday loan, title loan, or personal loan

I have a payment agreement with Balance Credit, Acct number # XXXX. The payment loan amount is {$130.00}. The payment due on XX/XX/XXXX. 2023 could not be deducted from XXXX XXXX XXXX XXXX XXXX decided to close my checking account due to a scam transaction that happens few days earlier. XXXX XXXX  opens a new Checking account to protect from fraud transactions. I called Balance Credit on XX/XX/XXXX on due date to make the payment over the phone and explained the situations. The Rep took the new bank account number to make the payment. I receive an alert from XXXX XXXX  notifies the charge debit of {$130.00} made on XX/XX/XXXX and another payment of {$130.00} from Balance Credit. I called the Balance Credit to dispute the {$130.00} charge, and the Rep agrees they made duplicate charge and apologize. They agreed to refunded charges electronically immediate. Today is XX/XX/2023, I have made more than 10 calls to their Customer Centre, I explained the hardship of my personal financial situations. No resolutions or refund payment, on XX/XX/XXXX they made the next charges payment. Finally on XX/XX/XXXX I speak to a supervisor promises to expedite by XXXX payment that I should be able to received Tuesday XX/XX/2023. Today I called again, they said That I have to wait 6 business days to payment post on their account and another 10 businesses days to a refund a paper check. Basically 2 months to receive payment fraudulently charge and they doing an illegal business practice. I pray to FTC for a hardship and to stop scam practice and to put a fine for a business wrong action. Please help
Product: Money transfer, virtual currency, or money service

Return all money ever lost or stolen from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Experian that I am a victim of identity theft. There response is that they verified fraudulent items from my complaint. I would like to know how, and when Experian can VERIFY a fraudulent account, when I have Stated that I am a victim of identity theft.
Product: Prepaid card

I noticed when I logged on been verified that information was linked to my account that shouldnt of been on there such as names of companys and phone numbers to different people. Also I noticed my phone was acting weird and tv as well and just new something was off. I noticed a random credit card and prepaid cards linked to my XXXX wallet that I did not put on there as well as random messages popping in my phone about XXXX being tranferred to me as well as random mail showing to my house that seemed linked to my children as well. Then I also see the year XXXX  appear every where as well as my childrens documents appear out of nowhere on my phone and random ads appear and stuff related to my kids being adopted and I believe I had dug too deep in my phone and saw stuff I shouldnt off and after that I felt threatened and targeted by alot of people and high up companys as well.
Product: Credit card

Hello, I completed the XXXX month payment program with Amex to pay my balance in full. I made every payment on time, and successfully completed the program, paying in my balance in full plus the agreed upon interest rate of 7.99 %. I was told and promised by that account management team and customer service reps that after it's paid, the account will be re-opened/reactivated. However, AMEX is now refusing to re-open my account, saying that I need to apply again. I do not want to apply for yet another account and have a hard inquiry on my credit report. I have proven that I am able to re-pay, and I am deserving of having my card re-opened like promised and agreed upon.
Product: Credit card

I have a Wayfair credit card issued by CITI Bank. My XXXX  and wallet were stolen back in XX/XX/2024. I have been trying to put together all the fraud I have endured and figure out what happened on my own. Citi Bank or Wayfair is not helping me at all. And they have found me responsible for the fraudulent charges twice. My XXXX had all of my personal information on it along with access to my phone and text messages. The criminals have also been using a fake address to obtain credit with my personal information. Now the fraud address is on my credit report. Citi Bank is saying because the fraud address associated with the fraud charges is on my credit report that proves I made the charges. I had to buy a new XXXX and put a credit freeze from the credit reporting agencies. I got a police report as well but it had to be revised because the wrong date was put on the report. I need help because these are not my charges,
Product: Credit reporting, credit repair services, or other personal consumer reports

Never pay late, and they show a late payment on 30 days in XXXX in XX/XX/2022, in XXXX in XX/XX/2022, in Experian in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed account.
Product: Debt collection

XXXX XXXX, 2017, the company ( GC Services XXXX ) contacted a family member about a debt collection belonging to my wife. The family member felt harassed and was asked to divulge personal information about my wife. The family member declined to give the info. I then called the company and was told they would not give me their name or business information unless I verified my wife 's information with them first. I declined to give a stranger this information unless they verified the nature of their business. The woman I spoke to would not give me her name, company name, or whether or not she was attempting to collect a debt ; all clear violations of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. DELETE the following accounts below : ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX )
Product: Debt collection

XXXX and Pinnacle a debt collector has sent a note of XXXX with XXXX collection fee on a that's not behind base on my records however the collector hasn't provided any details of the debt in attempt understand or cure
Product: Mortgage

This is my second time filing a complaint. I file a Chapter XXXX in XXXX 2010. In XXXX of 2010 I also had a loan modification. 
Any money that was due was worked in the loan modification. 
XXXX stated that I am two months behind when I filed the Chapter XXXX Which was true. I had just lost my job. At the time my payment was XXXX. 
So in my chapter XXXX they stating that I owe XXXX. Which I do n't owe that. 
So why in the chapter XXXX my loan was change to XXXX different company. 
Which is SPS. We have contract SPS a number of times to get a payment history. 
We just got the payment history a month before the discharge My lawyer are trying to get the case discharge but is not able to because SPS keeping putting off the case. Thius Chapter XXXX was suppose to be discharge in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request corrections for several inaccuracies on my credit report. I recently reviewed my credit report and noticed several discrepancies related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX an accounts which has negatively impacted my credit history. The inaccuracies include late open, late close and charge off which needs to be corrected or removed : XXXXXXXX XXXX XXXXXXXX XXXX : {$530.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as agreed and I never missed a payment. Please update it immediately. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 
XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXX Balance : {$0.00} The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

The accounts has been reported as a charge-off, which is not accurate. I have never allowed the account to reach a charge-off status, and there should be no such negative status associated with it. 

I kindly request that you investigate and rectify these inaccuracies promptly. To assist you in your investigation, I have enclosed the following documents : A copy of my credit report highlighting the inaccuracies. 
Documentation supporting the correct opening and closure dates of the account. 
Evidence showing that the account has never reached a charge-off status. 
I understand that correcting these errors is essential for maintaining an accurate credit history, which directly affects my financial well-being. I kindly request that you take immediate action to investigate these discrepancies and make the necessary corrections as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, you are required to investigate the disputed information within 30 days and inform me of the results. If the information is found to be inaccurate, I request that you provide me with an updated credit report reflecting the corrections made.
Product: Mortgage

XXXX I started the loan assumption process with my Mortgage Company. My loan assumption has still not completed underwriting. I have been told lie after lie about the process and customer service is not very good. It took the company over 2 months to send us the paperwork to even get started, then they mailed is to the wrong address, and then finally on XXXX we received the paperwork. Within a few weeks we all got the information together from both sides of the assumption and then mailed it to them. XXXX they received the package and then on XX/XX/ said they needed XXXX W2s from the assumers. The assumers turned in that information within the same day by email. Yesterday XXXX they told me that they just sent the documents that they received in XXXX to their underwriting that same day. Its just bizarre how long everything takes. The woman I spoke with through the companys customer service told me that the company only had 1 person on their team that did assumptions. This is a pretty large company and it doesnt make sense that this would be the case. They have a responsibility to do things in a timely manner and it is affecting my life dramatically. I cant afford my bills after having to pay for rent in the new city I live in and also paying a mortgage that could have been taken care of in a more reasonable time frame. It feels hopeless, every time I call, I get a run around and they never let me speak to the department or anyone who knows anything about the department. It is like this mysterious thing after awhile. I dont want this to happen to someone else who needs to sell their house, and they have to go through this XXXX. They were negligent in every facet of this situation.
Product: Credit reporting or other personal consumer reports

Equifax reinvestigation continues to fail to remove fraudulent inquiries. Now, their dispute center does not show the ability to dispute the hard inquiries that XXXX promised in writing to remove. XXXX has amnesia and is actively investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX  about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On Transunion ( Inaccurate 2 late payments reported ) in 2020 - XXXX - 30 days late, August 60 days late On XXXX ( Inaccurate 1 late payment reported ) in 2020 - July 60 days late On XXXX ( Inaccurate XXXX late payments reported ) in 2020 - XXXX - 30 days late, July 60 days late I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Product: Credit reporting, credit repair services, or other personal consumer reports

Throughout the WHOLE year of 2021 I have been in contact with Transunion to advise them that the bankruptcy reported were incorrect I have MAILED, did online disputes with proof from the source XXXX XXXX that these bankruptcies are incorrect and have been deleted. However the only response is that this information has been verified with no proof. Proof has been requested and still no results. The only company that has acknowledge and fixed is XXXX with no hassle.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, LVNV FUNDING LLC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report.

CITIBANK N A Account ID : XXXX I submitted sufficient information for performing a reasonable investigation of my dispute. Unfortunately, they neglected to do so. If they would off had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though three Bureaus claims to have this verified. Depending solely on flawed e-Oscar system has proven to produce less than accurate and fair information. I request Bureaus take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.
Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain mortgage.
Product: Debt collection

An item that I was not familiar with showed up on my credit report on XX/XX/2023 for $ XXXX from XXXX XXXX. I have never had a mobile account with XXXX so I immediately disputed the information and requested the contract information and details about the account. I had been notified that my identity information had been released as a result of a data breach with my employer so I used their services to also submit a fraud alert and claims regarding the account. To date, I have received no information from the creditor/collection agency, Sunrise Credit Services , regarding the account.