23daVinci/CFPB_Complaints huggingface dataset:
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 it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am-asking you to verity as accurate account ( Original Creditor : XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is a company by the name of Midland Credit Management that is being reported on my credit report. I have signed no contractual anything with them and have no clue of who they are. XXXX XXXX XXXX, they claimed to have verified the account, but attached no evidence XXXX documentation ) of such to support this claim and I believe they may be the people calling me and harassing me throughout all times of the time even when I am attending my appointments for my XXXX, actually especially during those times. 

I have saved a long list of numbers and the time stamps, that I am ready to proceed legally on to end the harassments from a company or creditor or whatever they claim themselves to be. 

PLEASE SEND DOCUMENTATION THAT WAS USED TO VERIFY how this account is linked me and the documentation showing that I legally owe Midland Credit Management anything. 

I disputed via XXXX XXXX, but being this is my first time disputing anything as my credit history previous to COVID was pretty good. 

I am also undergoing extreme hardship due to COVID. I am struggling to keep my house. I am struggling to find a job due to my XXXX and all of this is overwhelming and makes it harder for me as a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally changed my name in XXXX of XXXX. XXXX XXXX and XXXX had both updated that information rather quickly, but in XXXX, my automotive lender was unable to pull my Equifax report, which caused some hardship in obtaining a loan but I was ultimately able to get one at a rate above normal market value. In XXXX, I started the process of obtaining a mortgage, at which point my mortgage company found that Equifax was reporting that attempts to pull my report using my legal name were returning as fraud. On XX/XX/XXXX I reached out to Equifax to find out how to fix this error and was told that I should file a dispute online to change my name, and that the turn around time for this is normally 5 to 7 business days. I did so, and followed up with them after 5 business days had passed. I had uploaded my new drivers license and social security card. At that time, I was told that it could actually take 30 days, and I asked whether there was anything I could do to speed up the process. I was told they had everything they needed to do the name change and that I just had to wait, including the following times I called. On XX/XX/XXXX, I saw that the dispute was fulfilled, but their website still displayed the name. I contacted my mortgage company and they tried several times to pull my credit report again, and finally today, XX/XX/XXXX, I reached out to Equifax and was told they had not changed my name. I was told that I have to mail in my documents in order to change my name, and that they do not have a way for me to upload the necessary documents. 
I am greatly disappointed in Equifax for this, especially because I did more than my due diligence trying to resolve this and the other credit bureaus updated their information when I did so with my lenders. I am also quite upset that the rate on my loan is so high because of their inability to update information I had updated with my lenders.
Product: Debt collection

The information reported under the aforementioned account ( s ) is fraudulent and does not reflect any authorized or legitimate activity on my part. Reporting such inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, the FCRA requires that all information reported by consumer reporting agencies must be accurate, complete, and verifiable. 

Failure to Address My Appeal : I contacted XXXX XXXX  to understand why my appeal to correct the fraudulent account was denied. I was informed that the appeal was denied due to a lack of information. However, I provided all requested documentation via fax, including supporting evidence proving the account does not belong to me. 

Inaccurate Reporting : The information reported under the aforementioned account ( s ) is fraudulent and does not reflect any authorized or legitimate activity on my part. Reporting such inaccurate information violates the FCRA, which mandates that all information reported by consumer reporting agencies be accurate, complete, and verifiable. 

Lack of Action by XXXX XXXX  : Despite my providing documentation and multiple follow-ups, XXXX XXXX  has failed to take appropriate action to investigate and correct the inaccuracies. This lack of response and accountability has caused harm to my credit profile and financial well-being.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and seek the immediate resolution of a fraudulent XXXX account that continues to persist on my credit report, despite my previous attempts to have it removed. This unresolved issue has been causing substantial harm to my financial well-being, and I demand that it be addressed promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX Reference number : XXXX This fraudulent XXXX account is erroneous and has no association with my financial history. I have previously filed disputes regarding this account with your bureau, providing all necessary documentation. 
Despite my earnest efforts and the provision of substantial evidence, your bureau has failed to take the necessary steps to investigate and rectify this issue appropriately. The continued presence of this fraudulent XXXX account on my credit report is causing significant harm to my creditworthiness, making it difficult for me to access financial opportunities and services.
Product: Credit reporting or other personal consumer reports

I never received the credit card. This account should be closed and removed from my credit report. I do not owe any balance since the company never issued any cards nor had access to this account, which led me to cancel the account entirely. 

XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Complaint re : CashNetUSA We attempted to pay off this debt IN FULL several times during XXXX and early XXXX ( this was a requirement of a XXXX lender so it was imperative to do so ). During telephone and written emails we were repeated refused our request for a mailing address and always received the same answer. The company refused our payment by mail and will only take a payment via our checking account. We repeated asked the lender for the mailing address to mail the XXXX lenders check or our check of payment in full. I even tried to pay the debt while we were out of the country via e-mail and after two emails was AGAIN informed they would not provide a mailing address for payments. Based on CashNetUSAs refusal to provide mailing address HELO lender decided to put through our home equity/improvement loan without paying them. CashNetUSA refused to accept our payment, in full, of this loan beginning in XXXX and XXXX of XXXX by refusing to provide us a mailing address to mail payment in full. They can confirm this by checking their own email records which are kept by them. We have now received information that this account has been sent to a debt collector. That is unfair. We attempted to pay this debt, in full, on many occasions and were refused by CashNetUSA. We wanted a cancelled check as a firm receipt that this debt was paid. We should not owe any additional interest, or perhaps even the entire amount loaned because they refused payment in full on more than one occasion. Again, they were told we wanted to pay the amount in full and needed a mailing address to do so. They refused to provide a mailing address on several occasions and said they would not accept our payment that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used Experian 's shady site to see if I 'm affected by their massive data breach. It seems that I am. I want to complain about the fact that it happened and that the service they 're using, if it 's even legitimate, seems to just be a way to con people into waiving their right to participate in a class-action lawsuit. 
The entire thing is ridiculous.
Product: Checking or savings account

I am writing to file a dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding my recent interaction with my bank. I have been in communication with the bank several times regarding an unauthorized transaction that took place on my account. Despite my repeated attempts to address the issue, the bank has failed to take appropriate action and has notified me that the transaction was legitimate. 

To provide some context, I first noticed a suspicious transaction on my bank statement on XX/XX/2023. The transaction was for a merchant that I had never heard of or authorized. Immediately, I contacted the bank and spoke to a customer service representative to report the unauthorized transaction. The representative assured me that the issue would be resolved promptly and that I would receive a refund for the unauthorized transaction. 

However, after months had passed and I did receive two Post Adjustments from the bank, I reached out to them again. This time, I was told that the transaction was legitimate and that they would not be issuing me a refund. I was shocked to hear this, as I had not authorized any such transaction and had no idea who the merchant was. 

At this point, I decided to escalate the issue and requested to speak with a representative. I explained the situation to the supervisor and provided them with all the necessary details, including the date, and amount of the unauthorized transaction. Despite my best efforts to provide evidence to support my claim, the bank remained adamant that the transaction was legitimate and refused to refund me. 

In conclusion, I am now requesting the intervention of the CFPB to resolve this dispute with my bank. I believe that the bank has failed in its duty to protect my account from unauthorized access and fraudulent transactions. I am seeking a full refund for the unauthorized transaction, as well as compensation for any additional damages or losses that I may have incurred as a result of this incident.
Product: Debt collection

I'm not liable for this debt with Portfolio Recovery Associates. I do not have a contract with Portfolio Recovery Associates. They did not provide me with the original contract as requested which is required by law.a
Product: Debt collection

Received notice dated XX/XX/2020 from Commonwealth financial systems for medical bill, service date XXXX.The agency placed the debt on my credit file and after i disputed the information XXXX   and XXXX both reported that the information was verified. 
I contacted the agency and was given the phone number for the hospital billing department, however the representative was unable to verify the information and reported i was the tenth person to call and she is unable to assist because the hospital does not bill for the ER doctors .The hospital representative provided a phone number for the physician billing supervisor and my calls have not been returned.
Product: Credit reporting or other personal consumer reports

Logged into XXXX to place freeze on my credit report. XXXX website errors out and displays this message : " Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX a.m. - XXXX p.m. and Saturday - Sunday XXXX a.m - XXXX p.m. XXXX XXXX. '' Logged into Equifax to place freeze on my credit report. Equifax website errors out and displays this message : " Please give us a call We can't complete your request at this time. 
Please call the XXXX XXXX team XXXX ( XXXX ) ''
Product: Mortgage

Sold property, XXXX paid off by escrow on XX/XX/year>. As of XX/XX/year> the servicer Shellpoint Mortgage is still reporting the account as open with the PRE-PAYOFF balance. 

Calls, email via link on their customer service page all lead to no action by the servicer.
Product: Mortgage

BEWARE! Navy Federal is attempting to pull off some VERY QUESTIONABLE and and UNETHICAL lending practices. 
I am completely frustrated with the method that NFCU has resorted to in regards to our home refinance.We began our home refinance with NFCU nearly 90 days ago and have expeditiously done everything required of us.We were offered a loan at 3.75 % interest with 85 % XXXX and XXXX points This was offered pending only the appraisal.The appraisal came back quite a bit higher ( unbeknownst to me at that time ) than was expected and with that news NFCU miraculously, that very same day, sent over updated terms that increased our interest to 4.25 % and decreased to 80 % our XXXX with points. They then would not release the appraisal value to view ( they held it in processing ) .Upon pushing back on this error/mistake/injustice I was apologized to and told it would be handled.I have been stonewalled and now just yesterday my appraisal was released for me to see and my original offer of 3.75 % /85 % XXXX is set to expire on XXXX XXXXI finally spoke to the underwriter yesterday. She requested updated paystubs and homeowners information. I sent it immediately, and she gave us new calculations, 3.25 % interest rate, 80 % XXXX with XXXX points. I told her that this was unacceptable, and furthermore because of the higher appraisal I would like more cash out. I have not heard back from her. I am deeply angered/frustrated that it seems that NFCU decided to renege on their original offer to me in an effort to capitalize on a higher than expected appraisal value and then they attempted to hide this fact from me until it was too late for them to fix.I do not deserve to be treated like this!! It is only fair that my original offer should be extended enough time to be able to process the paperwork and allow me to sign at 3.75 % with 85 %, XXXX points. I have already paid over {$500.00} for the appraisal, and allowed them to pull my credit, so I am very reluctant to go to another company.
Product: Credit reporting or other personal consumer reports

Ive disputed the erroneous information on several occasions and through a variety of platforms, including the consumer finance, protection bureau, the XXXX XXXX XXXX, my state, attorney, general office, the credit reporting bureau, and anywhere else you can think of with no resolve. I was only alerted to changes in my credit score through a third party, and although I had never once been contacted by the businesses and they have repeatedly refused to provide me a Debt Validation Letter, the incorrect information remains despite my rights according to the Fair Credit Reporting Act. Its gone to the point where now its jeopardizing my livelihood as I am gearing up to go back to work as an employee for the federal government in a finance related job. Theres a real chance they will resend their offer when they see this erroneous information that I have tried to address 1 million different ways myself with no resolve. It seems like anybody can say anything they want, and despite the consumer providing proof that the creditor is in fact wrong, the credit bureaus refuse to correct the mistake and simply take the creditors at their word without asking for a shred of evidence. These creditors are not sworn under oath, so why should they be taken at their word? And why is there no recourse despite the fact that I have asked for a debt validation, labor on several occasions, and the a lot of time frame has since passed, yet the error still remains on my credit reports. Am I really to be told that the only solution is to add a stupid statement to my credit report and hope thats enough to keep my job in finance? Thats completely unacceptable and absolutely ridiculous. If thats all the federal government had in mind as a consumers defense against fraudulent claims when they created the Fair Credit Reporting Act then they should all be ashamed of themselves. Its a joke. The whole system is a joke, and now my kids and I are going to be homeless because of it. So make sure you reply to me and tell me I need to file a dispute with the credit reporting bureaus or file something with the consumer finance protection bureau, or the business themselves, OK? Like I havent already done that 1 million times already! Who may I contact to report the business has not adhered to the rights afforded to me under the Fair Credit Reporting Act THAT WILL HOLD THEM ACCOUNTABLE? I cant afford an attorney, so Im out of options it sounds like with only ONE credit bureau removing one inaccurate credit reporting statement. And were just supposed to be OK with that as consumers? Unacceptable!!
Product: Bank account or service

Us Bank wrongfully placed a garnishment on my bank accounts. They did not verify the ssn with the collection agency, then were not helpful, in fact were quite condescending and dishonest, when trying to resolve the situation.
Product: Debt collection

TRANSWORLD SYSTEMS INC. Attempts to garner my wages without any explanation or any proof that I owe this debt. I have no idea what they are talking about and they never called me me to explain or put me on notice that they were going to take said actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint due to the inconsistencies of my FICO credit scores from the three credit bureaus. My XXXX FICO score is XXXX. However, my FICO score with XXXX  is XXXX and TransUnion is XXXX which is over a 50 point difference. Their explanation is that since my husband and I hit a snag in his income early in 2019 and had late payments on two accounts, then we will always be late making payments, which is not a fair assessment on anyone because life happens. Also, our income is far greater now than two years ago and we have consistently made on-time payments on all of our accounts and have never been late on our automobile loan, which is the largest debt in the past 3.5 and no late payments in over two years on any other accounts. This is not fair credit reporting nor fair in my scores and there should not be a 50+ point disparity across the three credit bureaus. It seems that during the pandemic, XXXX and TransUnion has fallen asleep in updating my FICO scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX card during a mental illness episode and never used it until XXXX. When I did use it, I used it correctly and paid it regularly. My balance ability to use the card was increased from 300-500. Following the episode, literally the following day, I paid the card off completely. 

In XXXX, I applied for another card and was approved again for XXXX. I used that car to pay off housing debt to move into an apartment with college friends. I had a balance of XXXX when I was then released from my job with XXXX as an XXXX of XXXX. Actually, I was never XXXX XXXX XXXX, I was XXXX XXXX XXXX. 

Anyway, I still paid that card off and it was paid completely. however, to this day, they refuse to take it off my credit or compensate me for their fraudulent behavior. My credit score was steadily increasing, I have copies of my XXXX and Equifax reports dating back to XXXX when I was re-establishing my credit. 

They still refuse to fix the damage they have done. Due to their negligence, my ability to establish my entertainment legacy, agency, and business has suffered immensely. It actually almost kept me from going back to XXXX XXXX to finish my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have been emailed several times about payments and payment arrangements from these companies. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form XXXX you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX regarding the following accounts numbers : XXXX / XXXX. I have sent dispute requests to Experian regarding the following account numbers : XXXX XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX / XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.