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

This morning, I was shocked to see inaccurate accounts on my credit report, and I cant figure out how they got there. I check my credit report regularly, but this time, there were errors that appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but the accounts didnt disappear. Im pleading for the documents Ive sent to be reviewed thoroughly so I can finally stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint for you to take steps or actions to handle my complaint with the wrongdoing of the XXXX credit bureaus that seems they never priorities my request to delete the fraudulent items in my credit file. I am very disappointed with this. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information in my account. I have been already told my lawyer regarding this issue. With that, I am asking for your help to remove these items immediately in my credit file : MO CHLD SPRT XXXX Balance Owed : {$8100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; MO CHLD SPRT XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several paid collections from XXXX and XXXX. The student loan accounts for both were rehabilitated and transferred but several negative dings still exist when I was told from them they wouldnt if I rehabilitated them. Also, I settled a debt to the Home Depot but it is still showing on there too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX continue to report incorrect information although they claim to update the information on my consumer report. The credit bureaus have not done as they stated they would, there are name variations that are incorrect and several addresses that do not belong to me. 

The only name I go by is XXXX XXXX and there should be no other name on my report it is inaccurate and causing identity theft issues because its not accurately reporting. My only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX any other address is incorrect and should be immediately deleted. 

Failure to comply I will immediately sue each credit bureau for lying about updates that they are not doing this is a violation of my federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA/THD continues to report a negative credit card account despite a pandemic related forbearance. Account has been open for over 5 years and was in forbearance at the start of the COVID-19 pandemic. Despite said forbearance, account has been reported to the credit reporting agencies as late for the months of XXXX and XXXX, XX/XX/XXXX. Several disputes to Citibank and Home Depot have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan Serv is improperly reporting 90 days in XX/XX/XXXX late on my credit report for 12 different loans. I received a forbearance on all loans with Fedloan Serv between XX/XX/XXXX and XX/XX/XXXX ( the " forbearance '' ). As a result, no payments were required during the forbearance period, which is documented by a correspondence from Fedloan Serv and attached hereto. I submitted a dispute with XXXX  in XX/XX/XXXX but the dispute was denied in XX/XX/XXXX. I contacted XXXX  on XX/XX/XXXX and they told me the reporting is valid and they can not remove the late payment history, despite me offering to provide Fedloan Serv 's correspondence approving a forbearance. As a result of the negligent actions of Fedloan Serv and XXXX, my credit score is extremely damaged.
Product: Debt collection

On XX/XX/2019 I went to the pediatric clinic XXXX XXXX XXXX XXXX for problems with XXXX. I was waiting for my XXXX XXXX XXXX at this time. The woman that I had my first contact with told me the cost of all my attention was {$440.00} and it included all services ( test, ultrasonography, doctor ). She told me that XXXX XXXX  could pay me my money back. The doctor did not have the necessary skill even though I asked for a XXXX  she was a Family Doctor. 
Months later I received a bill for laboratory tests that I suppose I had paid for. My husband went to the clinic, and they said that they can not fix the problem, so now I have a debt collection about that.
Product: Checking or savings account

I received a letter saying bank of America had a breach in their system and my information along with others were stolen during this electronic breach. The letter said we can get our credit monitored and to call a number. I called the number no one got back to me. Then XXXX  months later I got another one saying the same thing. My information was stolen from bank of America during a breach. I asked bank of America what's going on they referred me to the letter.the letter said if we called the number we would be apart of the settlement. It's been settled and I received nothing but my information was compromised 3 times through Bank of America and no one is saying nothing. This is the last straw before I get a lawyer this should be resolved by Bank of America I've been with them over XXXX yrs. Not just me my son and daughter got the same letter this is not right they get to choose who is a part of the settlement when our information was compromised also
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Experian and XXXX  are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section  616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX credit bureaus are guilty of selling and maintaining my credit reports to obtain money 's that are not legal to do. They are holding credit files that are not from the original owners. And for that reason I wish to file a section 609,  which states if the collector can not prove that they are the original owner of the credit file then that file must be taken off the credit report.
Product: Mortgage

Seterus = During the trial modification period ( XXXX/XXXX/16 ) I contacted Seterus and asked how to pay the Escrow shortage so it would not be added to my monthly payments. I received instructions and sent the entire amount due ( electronic transfer from my bank ) on XXXX transaction and the regular monthly payment due on a different transfer. XXXX were received on XXXX/XXXX/2016, however, since that date I have been unable to have the escrow amount credited to the escrow balance. Phone calls from XXXX asking for this, XXXX, XXXX, each time I was promised that it would be done withing XXXX 5 days and to check back with them in a week. I did that and finally today I was notified that it was not going to be applied to the escrow balance at all. They took the money and applied to " fees '' for the final modification, all of the fees had already been added to the loan prior to XXXX/XXXX/2016. 
The final modification contract was never sent to me or my attorney, I was given a story about it being sent to a wrong address in another city, then to their attorney 's office and so many lies. It was finally sent to my attorney just a few days before day of the final foreclosure sale and was not accurate but my attorney advised me to sign so the sale would be cancelled. I signed the erroneous documents that stated the escrow shortage and I notated on the contractthat this amount had been paid. All of the fees prior were included in the BLOWN UP BALANCE THAT DOUBLED MY ORIGINAL MORTGAGE LOAN. I have followed up multiple times and to no avail. NOw they say that it was applied to A MONTHLY payment and I wo n't have to pay another payment till XXXX. 
But since XXXX XXXX, I have paid XXXX payments anyway so the fact that I do n't have a payment till XXXX is not showing me the credit for the escrow payment either. They are now also charging a {$30.00} fee for INSPECTIONS done prior to the closing of the modification contract. They doubled the price of the mortgage without telling me my balance and I was not in a position to move out with 1 weeks notice, so now I owe twice what I paid for the house and the fees are going to keep coming because no one in our government will stop the fraud being perpetrated by these companies. Just look at the number of dissatisfied homeowners that are complaining about Seterus and every other servicer of mortgage loans. These companies do nothing but take advantage of every opportunity to find an additional fee or threaten to foreclose again at a moments notice. I went from being in a bad position to a worse position on this property when I guess doing the right thing will cost me a fortune. I could have walked away and let them have the place ... they would never have gotten this much at foreclosure auction
Product: Credit reporting or other personal consumer reports

The items I have listed are currently on my credit report as paid off or charged off i also have one company listed twice I have reached out to the companies several times
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Fraudulent accounts and credit inquiries were made in my name without my knowledge or authorization. 

I submitted a Police Report ( XXXX XXXX Police Department, Case # XXXX ) and a completed FTC Identity Theft Report ( Report # XXXX ) to [ ChexSystems XXXX XXXX XXXX XXXX ], along with my valid government-issued ID and proof of address. 

Despite providing all required documentation, [ ChexSystems XXXX XXXX XXXX XXXX ] failed to block or remove the fraudulent accounts within the 4 business days required under the Fair Credit Reporting Act ( FCRA ) 605B. 

The fraudulent accounts and inquiries include : 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 ) Supporting documents ( Police Report, FTC Report, ID, ) are attached.
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX XX/XX/year>. XXXX XXXX XXXX XXXX XXXX XXXX Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Debt collection

This is a debt from capital one its been in their office since XXXX. I wasnt even calling about that didnt even know it was in their office that long until now. I was referring to a different account that I paid in full since XXXX. I got an email about the credit card account being locked when I havent used that company since XXXX. I called today and told the agent to stop all contact about the debt because it pass the law limit to get sued or even to collect. I want them to stop sending me anything about it. They already charged it off and its not on my credit. Im not paying on something thats been in debt that long when I wont be able to get the credit card again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to an old landlord who had me in eviction status since XXXX, No money is owed I called property and they said no records found it may be on the old system? Contact the collections company in which they could not provide the number too? 
On my rental credit report ( XXXX  ) DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXX/XX/XXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX XXXX XXXX ( Ph. ( XXXX ) XXXX ) DISPOSITION*JUDGMENT-POSSESSION ONLY Also Fair Collections Outsourcing DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXX/XX/XXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX XXXX XXXX  XXXX ( XXXX. ( XXXX ) XXXX ) DISPOSITION*JUDGMENT-POSSESSION ONLY 2 DEFENDANT XXXX XXXX ADDRESSXXXX XXXX XXXX XXXX NC FILING DATEXXXX XXXX XXXX, XXXX JUDGEMENT AMOUNT NOTICE TYPESUMMARY PROCESS PLAINTIFFXXXX  XXXX XXXX  XXXX ( XXXX. ( XXXX ) XXXX ) DISPOSITION*JUDGMENT-POSSESSION ONLY
Product: Credit card

In XX/XX/2021 I had a late payment on my Wells Fargo Credit card XXXX. For some reason I made a payment and it didn't go through, I guess do to Holidays or Covid I am not sure. Now its in my credit showing a 30 day late payment. I am trying to purchase a new car and its effecting my credit. Please if its possible as a one time curtesy if my late payment can be removed from my credit. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage lender is trying to pull my credit for a loan and Equifax is unable to get pulled its giving them a error saying its blocked. Equifax denied the report being blocked. The lender is only able to pull using my maiden name ( XXXX ) not my married name ( XXXX ) which is causing my Loan to not go through. The name should read XXXX XXXX XXXX for my credit report. Equifax is saying its not them its the lender.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number : XXXX To whom it may concern, I am responding to your recent communication regarding the debt referenced above.

According to my rights under the Fair Debt Collection Practices Act FDCPA 15 USC 1692g, I am requesting validation of this debt.

Please provide the following information : Proof that you are authorized to collect this debt on behalf of the original creditor. 
The name and contact information of the original creditor. 
Has there been any insurance claims found on this debt Documentation of the chain of custody for this debt, including any bill of sale. 
A complete history of the account, showing all transactions, payments, and charges. 
The original signature I provided on the contract with this creditor. 

Until I receive proper validation of this debt, I do not acknowledge any obligation to pay and reserve all rights to dispute its validity. 

I also request that all collection efforts be paused until this validation is provided. Any credit bureau reporting regarding this debt must stop. 

If you are unable to validate the debt, I expect confirmation that the debt has been closed and that no further collection attempts will occur. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This number has called nearly every day since I got my new phone. I have about 10 five second voicemails from them, all silent. I've answered once and they asked for someone named XXXX. I told them it isn't me but they still call every day. They're obviously looking for someone else, yet apparently don't believe it's not me. I've had this new number for all of two weeks.
Product: Credit reporting

XXXX XXXX NO MISSED payments/ NO BALANCE cancelled due to loss/ stolen XXXX reported XXXX XXXX XXXX 11 years ago. 
can not reach anyone regarding account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on XX/XX/XXXX and XXXX from the same company. I never gave this company permission to do anything. I never talked to them or signed anything. Im asking for the company to remove both hard inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  did not delete fraudulent accounts that did not belong to me even after I filed a police report with the XXXX Police department, case number XXXX. After my own investigation and calling XXXX XXXX XXXX  department at XXXX XXXX XXXX XXXX XXXX those XXXX accounts did not belong to me. On a hunch, I looked into my husbands prior credit reports and bankruptcy filings XXXX XXXX XXXX and discovered that the XXXX XXXX account belonged to him which Ive never been a joint owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convenient XXXX XXXX bank account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX  Bank account 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions.
Product: Debt collection

I received a letter in the mail today from a bankruptcy office stating that a company named NAR INC. was awarded a judgment against me on XXXX/XXXX/2015. This is the first Ive heard of it. Previously, I had tried to work out a payment plan with NAR, INC ( North American Recovery ), but they would not accept anything lower than {$50.00} per month. I failed to pay them the XXXX payment due to the fact I could n't afford this payment, now 1 month later they were awarded a judgement? They would not accept the {$25.00} a month payment I offered them. Then I never heard from them again. Now I 'm getting a notice from a bankruptcy lawyer wanting my business. I had no idea there was a court date, or if there was even a court date. I would have liked the opportunity to tell a court how much I could afford to pay them. I just checked my credit report, and sure enough there is a judgement against me.
Product: Checking or savings account

On Monday, XX/XX/XXXX, I logged into my account for a routine balance check and found that my account was overdrawn over the weekend. Reviewing the transactions, I found that there were 10 fraudulent transactions made on my account to a grocery store named XXXX. All of these transactions were made for about {$200.00} ; five of the transactions were made for the same amount {$190.00}. 

I XXXX  XXXX and found that it was a grocery store in the XXXX region of the United States and live on the XXXX XXXX. 

I immediately disputed the transactions. I was awarded provisional credits for all of the transactions on XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account, again for a routine matter, and found that it was overdrawn again because the provisional credits were overturned. I immediately called and was informed that because I didn't dispute a separate transaction from this retailer on XX/XX/XXXX which I was unaware of, the other transactions were found to be credible. 

In total these fraudulent transactions totaled {$1800.00} and wiped out my account twice. 

It was obvious to me and anyone that I explained the situation too, including the customer representatives on the phone that it was fraud. However, the unnamed powers that be decided it was not. 

This is the only bank account I have. My other accounts are with credit unions. I definitely makes me leery of doing business with any bank in the future. 

I can not understand how this can happen. It seems absolutely ridiculous and unreasonable, but it happened. I am so disappointed.
Product: Debt collection

I was formally enrolled in XXXX University online from XXXX to XXXX. I used my GI-Bill to pay for classes while enrolled. Recently I applied for a home mortgage loan, the loan officer called me about a debt in collections. the name of the company in collection is Cedar Financial based out of California. they stated I had a outstanding balance with XXXX University. I called XXXX University and asked them how diI owe them money since I have not been a student there since XXXX. They stated that I signed a agreement to attend class on XX/XX/XXXX, and in XX/XX/XXXX I sent a email giving my permission to enroll me into class. I explained to them that I did not enroll in class because during that time I was Coaching High school basketball, working Full time and going through a divorce. XXXX told me that the balance is correct. I called Cedar Financial to explain the situation and ask why I did not receive any phone call or letter in the mail for the debt. they could not answer my question because the record on file was not updated. this situation is threatening my purchase of a home for my family. I never enrolled in class, I never receive books for class, and I never logged into class at all.
Product: Credit reporting or other personal consumer reports

I am filing to formally lodge a complaint against XXXX  XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have discovered that the above-mentioned account is being reported inaccurately on my credit reports from the major credit reporting agencies. This incorrect reporting has negatively impacted my credit score and caused me significant distress. Account Name : XXXX XXXXXXXX XXXX Balance Owed : {$1400.00}
Product: Credit reporting or other personal consumer reports

Experian has put over 100 inquiries on my report when I froze my credit report, and XXXX has done the same thing please remove those inquiries I have lawyer as of XX/XX/year> cause my credit was XXXX