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

i have Two inquiries on my credit report that i did not authorize nor have knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Elan financial Inquiry Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have balances with XXXX XXXX XXXX and it was turned over to XXXX XXXX collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from datesXX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX. I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$2400.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted XXXX multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually.
This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry put on credit XX/XX/XXXX From XXXX XXXX  XXXX Also one from XX/XX/XXXX from XXXX  I did not authorize either of these hard pulls nor did i apply for credit or loans through this company.i have sent a letter XX/XX/XXXX to XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX sd XXXX.i have yet to recieve a response.
Product: Checking or savings account

Two years ago I told you about Bank OF America and that they had my account and was keeping me from my money, so I had ask them about it and they said I did not have an account with them so recent I recevied a call about a purchase an many of them made on my account that I did not approve of so with that not only can I use my money in my account they took my account to another states and other banks like XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX they have my name, social sercurity number, date of birth, and phone number so tell me why they are using my money in other states an I live in XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX and I know I don't travel an I don't have a car I'm XXXX  an I don't like to be taking advantage of because I have money. all them purchase made an why do all them people have my name on there account as if I authorize them to do such please if you can bring my money back to me an I don't want to bank with them ever again I do have a XXXX  checking account but with all thats going on I would like my money on a card that I can access only.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXXXXXX
Product: Debt collection

Eastpoint Recovery Group , Inc. has continued to call and harass my parents about a debt from me. They have made threats to my parents, cursed at them, and given all my debt information. They call their house several times a day after they have been asked not to call again.
Product: Credit card or prepaid card

The company is XXXX  Credit which is actually Synchrony Bank. I had a charge that I do not recognize on the account, I called XX/XX/XXXX to let them know as soon as I saw the charge. I asked them to dispute as fraud, and they assured me that they would take care of it. I paid off my entire balance, and left the amount for the dispute, as I can not pay for things I never bought, and I expected them to apply a temporary credit while undergoing investigation like they had promised. Upon further checking I noticed that the account did not ever receive the credit. I was being sent automated emails on XX/XX/XXXX about how my payment was due, and how I was now being charged a late fee for not paying, however I know that the credit card company is not allowed to do this, for a disputed amount. I called XX/XX/XXXX and spoke with a person named XXXX XXXX and she told me that the dispute wasn't entered and they had made a mistake. Now looking at the account I see that they are trying to charge me another non payment / late fee, and they are still asking me to pay for the disputed amount. I have not been sent any documentation via mail regarding a dispute, or email for that matter. I just would like the balance to be taken care of in the amount of {$130.00} and with their newly added late fees now {$170.00} I can not pay for something that is fraud, and it seems they do not wish to actually make the dispute for me.
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized inquiry from XXXX XXXX business credit card as well. Ive reported another unauthorized inquiry prior to this. You must adhere to the law of FCRA. Remove this inquiry or inquires from my report immediately or I will pursue legal action.
Product: Credit reporting or other personal consumer reports

Ive just obtained a copy of my credit report and noticed an error. 

XXXX XXXX XXXX XXXX UNDER 15 US Code 1681c-2, Block of information resulting from identity theft, it states if a consumer disputes inaccurate information, the debt collector has 4 DAYS to DELETE or REMOVE the information from the consumers credit report. 15 US Code 1681i states that if an account was verified, it must be deleted and have a Procedure in case of disputed accuracy.

This collection was previously deleted and was put BACK on my credit report. THIS IS. VIOLATION, and I would like this account REMOVED as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint on XXXX, XXXX, XXXX  and Lexis Nexus, I have spoke the Bankruptcy courts and they have stated that they do not provide information to any of the credit reporting agencies meaning there shouldn't be anything on my credit reports, they have also stated the these uninterested 3rd parties such as XXXX  XXXX XXXX and Lexis Nexus access the courts data base through a public access portal called PACER to REVIEW information they did not say to REPORT information, since the courts are not responsible for the misuse of any information gathered as the consumer of the United States Corporation in going to take matter into my own hands. This is where the violations come into play. These uninterested 3rd parties I have mentioned are in violation of 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS RIGHT TO PRIVACY. Nobody asked these reporting agencies to report anything they went out of their way to harm my reputation. 
They are also in violation of 15 USC 1681a ( d ) ( 2 ) ( B ) the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
Every account that was included in the bankruptcy was an authorization of an approval of an extension of credit indirectly from my credit card. 
There is no need to validate this, I know im the original creditor I can only validate.
Product: Mortgage

Im in the process of loan modification after receiving forbearance under the carts act My mortgage company TMS ( the money source ) refuses to provide me explanations to the different types of options I have and have stated to me that foreclosure is my next option
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing outgoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Several time money was taken out my account that I didn't authorize but they did put it back but still they kept let my account overdraw for no reason when I didn't even have overdraw on the account
Product: Debt collection

I cancelled my XXXX service on or about XXXX XXXX, 2016. I returned all XXXX equipment per their instructions via a return from my local XXXX in XXXX XXXX, AL. Then, I received a letter from XXXX dated XXXX XXXX, 2016. It said I owed {$170.00}. It did not mention anywhere in the letter what this was for or why I owed the debt. I called XXXX because I have records that I paid my final bill. I was told that it was due to equipment that was not returned. I asked what specific equipment was not returned and then the department call transfers started. Nobody could tell me what specific item was not returned. 

On XXXX/XXXX/16 I was assured that a charge for " un returned '' equipment in the amount of {$170.00} would be credited and corrected on my account. Yesterday, XXXX XXXX, 2016 I received a call from the collection agency. The XXXX representive that I spoke to on XXXX/XXXX/16 for 33 minutes ( i have a record of the call date time and duration on my phone that I can provide ) ID number XXXX XXXX XXXX assured me the charges would be corrected because XXXX had clearly made an error and did not log in one piece of the total of XXXX receivers, XXXX TV remotes an internet hub and an internet router. This correction needs to be fixed. I have opened an complaint with consumerfinance.cov ( CFPB ). XXXX needs to step up and correct this HUGE mistake before more damage is done.
Product: Debt collection

I am currently working with a third-party credit repair agency,   XXXX   XXXX    XXXX , by which have any and all phone numbers listed to Portfolio Recovery have been added to a do not call list and any phone calls to me while I am working with  XXXX  puts them in violation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of recent disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle a number of times and repeatedly discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that my funds were lost and that it was impossible to track those transactions. The CFPB findings indicate that Zelle was not only neglectful in protecting its customers but also allowed repeat offenders to continue to exploit their consumers. It also leaves consumers vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious questions about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 written instructions.
Product: Payday loan, title loan, or personal loan

LCalled looking to get information on 90 day interest free promotion that expire XX/XX/XXXX on my loan. Immediately the rep started implying about late payments and by XX/XX/XXXX they would attach XXXX dollars to my loan!! which is bizarre illegal and she simply lied about my account being late because they EFT my bank account every other week. Csr then places me on hold for 30mins. She then switch story and tells me if full payment not made by XX/XX/XXXX then 90 day promotion is null and will still attach XXXX interest fees to account she was talking over me wouldn't allow me to speak was very rude wouldnt let me speak to a manager. Nowhere in contract it says anything this csr was saying over phone. 

Interest free means nothing goes towards interest for 90 days. You will immediately start to take interest after promotion expires moving forward. 
This company dishonest crooks does subprime and goes against FTC. 

They never report all my payments to credit bureau.
Product: Student loan

I applied for Public Student Loan Forgiveness under the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) opportunity on XX/XX/XXXX. Through the TEPSLF I have over ten years of qualifying payments as my documentation clearly indicates. 

In XXXX of XXXX I received a regular mail notification that Mohela would be assuming the administration of student loans and the PSLF and TEPSLF programs. I was informed that they were processing documents and that I should receive an update within 60-90 days. When I did not receive an update in that timeframe, I called Mohela for an update. Below is the log of my calls to Mohela, their responses, and any messages I received from Mohela. 

XX/XX/XXXX - Initial call to Mohela. Spoke with CSR who could not find information about the request. Transferred to manager. Remained on hold for over 45 minutes. Hung up. 

XX/XX/XXXX - Follow-up call to Mohela. Spoke with CSR, who confirmed that my request had been received but not processed. CSR requested re-processing. CSR told me to follow up in XXXX  months if I did not receive notification from Mohela. 

XX/XX/XXXX - Received a message from Mohela with calculations showing that current employment was still not processed. 

XX/XX/XXXX - Follow-up call to Mohela. Spoke with CSR who told me it had yet to be processed, but the information was in the system. She told me to check the system if nothing came through in the next 30 days. 

XX/XX/XXXX - Received a message from Mohela with calculations showing that current employment was still not processed. 

XX/XX/XXXX - Follow-up call to Mohela Spoke with CSR and with a supervisor. Was told by supervisor that XXXX information was in the system, approved, but not processed. Was told it was tagged as a priority and it would be 5-10 days to process. I asked to speak to a manager and was told that the higher-ups don't take calls. Explained I would be filing a complaint with the CFPB and my congressperson. 

This pattern of activity indicates incompetence, negligence, intentional malfeasance, or a combination of all three on the part of Mohela. I am an individual with the time and the understanding of bureaucratic and capitalistic systems to pursue this issue. I can imagine that there are hundreds or thousands of other individuals who will not have the time or ability to pursue this issue in the same way. I recommend that an investigation be launched to determine how many individuals who clearly qualify for loan forgiveness have not received it to date due to Mohela 's incompetence, negligence, or intentional malfeasance.
Product: Debt or credit management

3 years ago Lexington law claim that they can help fix my credit. They took {$100.00} deposit and every month they was charging me {$100.00} but my credit never got fully repaired or fixed and it went on for about a good couple months and I asked for proof that of what they were doing I never received it. I asked them to cancel as far as I know they never canceled so I had to put a block on my account and then I change my account as far as my bank information so they can stop withdraw money from me and I did this also to my fianc, XXXX XXXX?
Product: Checking or savings account

I wrote a {$10000.00} check to my daughter from my XXXX account on XX/XX/year>. When she tried to deposit the check in her Citizens account on XX/XX/year>, it was flagged as fraudulent. In a letter dated XX/XX/year> from Citizens to my daughter ( and account holder ), they state the funds are on hold until XX/XX/year> and they froze her account. On XX/XX/XXXX, she contacted Citizens and they claimed they wouldn't have more information until XX/XX/year>. Since the money already was withdrawn from account, this meant my {$10000.00} was in limbo for over 2 months. I called XXXX and the representative said there was no issue on their side and gave me a phone number for their fraud dept for Citizens to contact to obtain confirmation and documentation that the funds were there and the check was not fraudulent. My daughter and I contacted Citizens on MULTIPLE occasions together to confirm the authenticity of the check and to provide them with the XXXX phone number to gain confirmation. They were not receptive and continued to state that my daughter 's account would be frozen until XX/XX/year>. This is completely unacceptable as we tried every means to provide Citizens with objective evidence of the authenticity of this check and they rejected all our attempts AND kept the {$10000.00} in the meantime. My daughter 's account has also been frozen this entire time which is a hardship for her. I understand they are protecting people from fraud, but if we provided information and documentation to ensure this check was authentic, they should work with their customers to ensure better service. This {$10000.00} is going to pay down a car loan so now additional interest has been added to my daughter 's car loan.
Product: Debt collection

Commonwealth financial is trying to collect a debt that is under another persons name and assign it to me. They refuse to remove from credit bureau. The person has a similar name. 

They refused to verify by some means or send a copy of the bill for my review. They can not do this is is illegal. They have to confirm debt is mine.
Product: Credit card or prepaid card

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The week of XX/XX/XXXX, called equifax to get access to my credit report as no lenders have been able to access my credit report because of some hold. 

I have contacted the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX. On XX/XX/XXXX, they told me to check Friday as the documents to verify myself should be in. 

I have went through countless verifications, sent in the documents they have requested by fax and still I can not get access to my credit reports. The documents that I sent were my drivers license, a cover letter explaining what I need done, and also a photo copy of my social security card. 

All I want is access to my credit report and for lenders to have access to my credit report.
Product: Checking or savings account

Hello and happy belated XXXX Thank you for taking the opportunity to help me out regarding unauthorized transactions on my business account with Bank of America Theres a list of transactions that were reviewed and not authorized whatsoever We filed a police report with the police report XXXX with XXXX Police Department We also filed an IC3 complaint to be safe in order to retrieve our funds ASAP Listed below are the transactions I please need support with : XX/XX/XXXX - XXXX - {$940.00} XX/XX/XXXX - XXXX - {$1200.00} XX/XX/XXXX - XXXX - {$1400.00} XX/XX/XXXX - XXXX - {$180.00} XX/XX/XXXX - XXXX - {$360.00} XX/XX/XXXX - XXXX - {$120.00} XX/XX/XXXX - XXXX - {$360.00} XX/XX/XXXX - XXXX - {$190.00} XX/XX/XXXX - XXXX - {$360.00} XX/XX/XXXX - Fendi - {$980.00} Any help would be greatly appreciated to resolve these issues, weve already stopped all ACH deposits and withdrawals as our account seems compromised and fear continued use.
Product: Credit reporting or other personal consumer reports

Today XX/XX/year>, I woke up to see MOHELA had misreported my loan details causing my credit score to decrease significantly and my reported debt to increase by almost XXXX dollars. They had over reported my borrowing and reported 2 more loan amounts that sent my original debt of XXXX to nearly XXXX. When I called, I sat waiting on hold for awhile until I finally got an unhelpful representative. They basically told me there was nothing they could do but file a complaint, to which I did. They said they couldn't fix the credit score but that maybe in 30 to 90 business days that " maybe it would be fixed. '' They, in conjunction with the student aid gov folks, have yet to process or be helpful with the PSLF forms for millions of Americans. This whole student loan debauchery is exhausting, ruining people 's lives, and holding us all back financially. I want something to be done about this and to not be suffering at the hands of incompetent businesses who don't care if I live or die...
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, ars company, account # XXXX paramt rec company has violated my rights. 

5 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
Product: Mortgage

Bayview Financial Loan Service held our mortgage from XX/XX/XXXX toXX/XX/XXXX. Starting in XX/XX/XXXX they illegally forced and charged me for a duplicate insurance policy. My insurance I had carried all along was still active and in place yet they doubled up on a policy and forced me to pay it. I spend over a year providing documents and following all procedures they insisted on in order to clear it up. Due to the monthly payment increase I was unable to keep up with the additional increase that was unjustly being charged. Many attempts were made to modify the loan, yet Bayview was non-responsive. By XX/XX/XXXX I was advised and pushed into a corner to stop payment completely and file for a short sale on the property. During the short sale of the property, Bayview was investigated several time by the federal government and disciplined for their inadequate and wrongful practices. This short sale was finalized and paid for in XXXX of XXXX. I was told this history would only reflect and show detriment to my credit for a couple of years. As I apply for loans, I am constantly haunted by this troubling past. I would like all the accounts associated with Bayview to be cleared off my credit. Thank you for your help.
Product: Credit reporting

I was the victim of identity theft. The credit agencies are refusing to remove or block inaccurate data as a result of the identity theft.