23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I got a letter in the mail that my bank is trying to collect debt that I never authorized. My card was blocked meaning it was not allowed to be used and they still let transactions go through the debit card.
Product: Debt collection

I have sent a few letters, asking PORTFOLIO RECOVERY ASSOCIATES, LLC is send me original documents with my signature, as a proof to this claim i am unaware of. After the second letter i received a response saying. They have completed their investigation, and have established validity. I have yet to see documentation with My signature. I called the original creditor, XXXX XXXX and made them aware i knew nothing of the debts. XXXX XXXX response was that they had no original Documentation with my signature on it.Upset that they have not worked with me to resolve this matter.
Product: Mortgage

I have a HAMP Loan XXXX through OCWEN Mortgage. Several years ago you handled another problem I had with them quite satisfactorily. The original loan was through XXXX XXXX XXXX. After some months OCWEN took transfer rights. At the time of transfer OCWEN applied {$430.00} in fees on my monthly statement. I inquired as to why I was getting this added fees. They told me it was transfer fees. This is a HAMP Loan there are no other fees to be applied during the duration of the loan. I refused to pay these fees and to this day they remain on every statement each month. The fees applied to the last statement was {$360.00}, why they dropped I do n't know. I do not owe these fees, I have never been late on this loan and am in good standing on the loan. I 'm getting extremely agitated seeing them on my statement every month listed now as past due fees/other charges. Any help you might give me would be greatly appreciated. As I said you took care of the other problem I had with them right away. This problem did not start appearing until I had the loan with them for several months. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX E-Mail XXXXXXXXXXXX Phone XXXX
Product: Student loan

I never applied for or have gotten any student loans. I am being harassed by student loan debt collectors two to three times daily. I asked them to stop calling this number and just keep calling from different numbers
Product: Checking or savings account

XX/XX/XXXX city bank placed a block on my account, XX/XX/XXXX they sent a letter saying they were closing my account within 30-60 days. It has been over that time Im currently waiting on it to be closed because I had just received my income tax in the account a week prior to it being locked & all of a sudden they wanted to close. Ive called numerous of times each day its a different thing with the representative, I spoke with one two weeks ago XX/XX/XXXX she said that they are closing the account & I would receive my check within 10 days. It has been over 10 days & today when I called back she says to wait 15 days. This happens every time I call they say different things!! These people are a rip off & they are stealing!!!
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/2023 XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

I have transferred XXXX $ ( XXXX $ incl transfer fee ) to a person selling festival tickets online using PayPal account. To avoid extended transaction time, the scammer suggested me to send it as if it was for friends & family, so he would get the amount straight away and could send the tickets in return immediately. The tickets obviously never arrived and he stopped answering the messages. In this case, PayPal does not offer any kind of help at all about claiming the money back. 
He was using this facebook profile with the name XXXX XXXX XXXX : XXXXXXXX XXXX Claiming the money with the name XXXX XXXX and email XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I initiated a funds transfer of {$1000.00} ( XXXX XXXX XXXX ) to my family in XXXX XXXX. I had used XXXX XXXX many times before with no problems. The money was schedule to arrive in XXXX by XX/XX/2022. The money still hadn't arrived by late the following week so I contacted the company. They said there was a problem with their local affiliate and that the transfer had been cancelled by them. I told them to immediately refund my money. That was over a week ago and I still have not received a refund, nor has my recipient received the transfer. 

One of the documents I attached from the company 's website shows the transfer was completed, but it was NOT.
Product: Credit reporting or other personal consumer reports

I initiated a freeze on all three credit bureaus on XX/XX/XXXX. However, XXXX has not complied with my request to block these hard inquiries. I've contacted the companies that tried to access my credit report, but they have rejected my requests. Moreover, I've been receiving mail from these companies regarding pre-approved credit cards. I've called the companies to ascertain why someone is attempting to access my account and asked them to notify the credit bureaus that I did not apply for any credit cards. 

The companies listed below are associated with hard inquiries that need to be removed from my XXXX Credit Report : Comenity Bank/VSMC - XX/XX/XXXX. 

I have never opened an account with Comenity Bank Victoria 's Secret. I have attempted to contact Comenity Bank Victoria 's Secret, but the staff repeatedly disconnects the call, making it difficult to communicate with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for a mortgage. I approved credit inquiries on : XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX These are the ONLY credit report pulls that I authorized. 

XXXX lists 6 inquiries from XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX - One from XXXX and 5 from XXXX XXXX lists 3 inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX. and XXXX - two of which are XXXX XXXX. 
XXXX has 4 Inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX Each of the four lenders was only authorized to check my credit one time The reason that there are so many checks is because of their use of the Lender Processing System with XXXX XXXX which requires repeated credit pulls when any of the loan parameters are changed while calculating loan rate and payment scenarios. 

I only authorized 4 credit checks, one time each from each lender.
Product: Credit reporting or other personal consumer reports

The listed creditors are not connected to me and I am not responsible for these questions. I would like to get them off my credit report asap.
Product: Credit reporting or other personal consumer reports

Since XXXX, my wife and I have frozen our credit. We unfreeze it when we need to make a purchase that is financed and to take advantage of credit card offers. 

Over the past 8 years, there have been 7 different times we have attempted to unfreeze our credit with Experian but have been unable to because of their website problems. The first 3 times ( me twice, my wife once ), we had to write them to reopen accounts because we were locked out. Because of their issues, we had to pay a higher finance rate. We have also missed out on credit card offers. 

Since that last time we were denied, we hadn't had any problem with our 2 or 3 attempts to log into Experian 's website and unfreeze our credit until recently. 

At the end of XXXX this year, I tried to unfreeze my credit again so I could apply for a credit card offer. The website wouldn't allow me to get past the second page, though I could see I entered the information correctly because the second page showed my personal information. 

I ended up using my cell phone to unfreeze my credit. 

Over the past two days, my wife has made several attempts to unfreeze her credit. First, she used login information that Experian gave her in XXXX. There was no place to input that information. 

Then she attempted to create a new account. She was denied because on the cells didn't work properly on the application page. The pop up stated that her username and password needed to be different. The two were completely different. She even tried several different usernames and passwords. 

If this was a one-off event, I would understand. But this has been going on for 8 years. 

I have never had a problem unfreezing our accounts at XXXX and only once had I had an issue at XXXX ( that was fixed the next day ). 

Access to our credit information is not only required, it is critical to our safety and security. Experian has been negligent time and again at stopping us from getting the information we need when we need it. 

Please hold them accountable.
Product: Debt collection

I never received any notifications from collection attempts, this morning I got alerts from credit bureaus that a new collection had been added and that's how I found out about this account... I have not received any notification. The amount is {$370.00} which had I known about I would have paid in full to the creditor. I called the creditor and I am given account number : XXXX for the collections agency Receivable Management Services LLC RMS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XX/XX/XXXX i sent experian a letter disputing some collections that are reporting on my credit report and asked them to verify the information they are reporting to my credit. it has been over 45 days and i have yet to get a response from the company or have even processed my request.
Product: Credit card or prepaid card

For the third time within the last few weeks, Citibank used fraud protection as a reason to prevent me from using my card to make purchases well within my established credit limit. 
This last time on XX/XX/2022, we had even notified Citibank that we were traveling so they would be aware. This even shows up in the app that we are on this trip. 

In all 3 cases, it took several phone calls to clear the fraud alert. The app asked if it was us, but didnt believe us, telling us we needed to call. 

Citibank is using extreme fraud protection as an excuse to prevent me from buying things at a destination store. Previously, Citibank prevented us from booking travel. 

In both situations, we simply used our Amex to complete the transactions. However, we missed out on additional points that we should have been able to earn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several queries from the same provider ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX NJ XXXX ) for the following dates : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, on my TransUnion and XXXX accounts. Please delete these queries immediately.
Product: Mortgage

In XXXX XXXX I submitted a complaint similar to the XXXX today. SLS my servicer responded and alleged I had missed my XXXX XXXX payment, and that I did not make this payment until XXXX XXXX. If you will review attached proof of payment made you will clearly see I did not miss this payment. SLS ( my original complaint ) has been misapplying my monthly mortgage payments regularly. I do not know who can audit their files regarding my payments and unapplied payments but this is highly suggested. I have incurred late fees after late fees and now SLS has me in foreclosure.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the persistent challenges I have faced in attempting to rectify fraudulent items on my credit report. Despite multiple efforts to address this issue, the fraudulent entries persist, causing significant distress and harm to my creditworthiness. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that clearly establishes the illegitimate nature of these entries. 

Despite my concerted efforts, the fraudulent items persist on my credit report, negatively impacting my financial standing and causing undue stress. I am well aware of the seriousness of identity theft and the importance of swift resolution to protect both consumers and creditors. 

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the specific steps taken to address and rectify the situation. 

If my concerns are not addressed within the specified timeframe, I will be compelled to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file 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 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: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX XXXX XXXXXXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is my final communication in regarding the inaccurate entry being reported under XXXX, XXXX XXXX and XXXX. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX, XXXX XXXX and XXXX substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I have provided you with a FTC identity thief report, identity thief affidavit and matching police report snice XX/XX/2020 Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
( see attached lawsuit ). 

I have maintained careful records of your actions, and you are now required to appear at : XXXX XXXX Municipal Court on XX/XX/2020. I am seeking {$1000.00} to {$10000.00} in damages for : - Violations of the Fair Credit Reporting Act - including but not limited to Section 611 - Violations of section 605b of the Fair Credit Reporting Act Prior to our court date on XX/XX/2020. 

If you should decide to correct your records and remove the negative and false item in question, please contact me at the address below or the CFPB, and I will subsequently withdraw the lawsuit. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX XXXX Account Numbers : XXXX XXXX  Account Numbers : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I noticed that I had many fraudulent accounts on my credit report I filed a Identity theft report with my local police department and then notified the credit bureaus. I have received resistance in securing my identity with XXXX and Transunion. They are in clear violation of my rights as a consumer and I have given them all the proof and documentation that I have in regards to this matter. Had I known previously what I know now I would have made the bureaus aware sooner. I have a total of 12 collection accounts, 10 Credit Card accounts, 9 EDU accounts and 1 car loan that I am not responsible for and needs to be removed from my credit report.
Product: Mortgage

Re : Bank of America Home Loans for the account of XXXX XXXX Property Address XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone XXXX BOA Account # XXXX For the last 3 months I have been working with Bank of America ( BOA ) to facilitate a Short sale on the property as referenced herein. They are a Jr. Lien and they are way upside down. The first mortgage is at least 200K over the property value. Therefore BOA as a second Jr. Lien they have no equity. 
In Bankruptcy court BOA would be considered an Unsecured creditor. My client has made numerous offers to pay as much as 5K to settle the Matter. In most cases like this BOA has just issued a satisfaction and just extinguish the money due knowing that if they went to Serifs sale or Bankruptcy they  would get XXXX. 
The problem is however that Bank of America did not process the submission as a short sale but as a loan Modification. It was not until XX/XX/XXXX that they recognized their mistake and sent me a letter to that effect and acknowledge and forwarded the short sale request to a specialist and promised an answer in 2 to 3 business days. ( See attached letter from BOA dated XX/XX/XXXX to confirm that fact. ) Since then I as well as my clients have heard nothing. On XX/XX/XXXX I made a phone call to BOA  Customer service. They told me that their was no short sale application pending or initiated However the loan modification application that we never submitted for had a missing document request and is still pending. The house is vacant and based on BOA underwriting that is the Number 1 reason to not do a loan modification and to do a Short Sale. Please help me in this matter to stop Bank of America from acting in bad faith and or to fine and sanction them or both for acting in bad faith and refusing to offer my client any kind of foreclosure alternative as a Short Sale. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX {$18000.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX, XXXX, MA, XXXX Shellpoint, XXXX XXXX  and attorney XXXX XXXX have claimed that I am responsible for someone elses debt and it is impacting my ability to earn a living, my credit report, and my finances. 

I am not responsible for the note
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My loans were in deferment until May along with the rest of the student loan borrowers. As you can see on the Navient statement included, all loans were current through XX/XX/. In XXXX when clarifications became announced I first applied on XX/XX/XXXX and then again on XX/XX/XXXX for consolidation and deferment until the consolidation is approved. As you can see the application on the XXXX and the statement by Navient that NO PAYMENTS ARE DUE UNTIL XX/XX/. 

On XX/XX/XXXX, you reported me 90 days late on my payment A total shock considering the above and that your own documents show I was current through XX/XX/2023. I need your kindness and help to rectify this please as the downgrade in my credit is now forcing me to close my business and my vendors are all now shutting down my credit with them due to the dramatically lower credit score. 

This is urgent. Can you please help? If you need additional info, please reach out. Attached is the XX/XX/XXXX, loan modification along with that is also the date of my second request to apply an administrative deferment to allow for time to get this processed. Also included is the Navient statement showing no payments due until XX/XX/2023. 

I first contacted Navient on XX/XX/XXXX and again on the XXXX as the info from the XXXX did not get to Navient for some reason. 

Also, this loan likely will qualify for total discharge due to the length of payments on it. I have 15 years of public service but do not qualify for discharge for that since I am a volunteer! 

PLEASE HELP! 

You can reach me at XXXX if you have any questions or email me at XXXX XXXX