23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is concerning my XXXX credit card I've spoken to the company or several different occasions 30 days ago now I've placed a fraud case towards my card I let the representatives know that I've only used my card once to make for sure it work the other charges I did not make I receive a letter in the mail XX/XX/XXXX. Spoke to a representative XX/XX/XXXX the representative told me that my card balance would be restored on XX/XX/XXXX th. My balance has not been restored I'm receiving different pieces of information from each individual I speak to I am not going to pay a credit card bill for charges that I did not inquire. I spoke to a representative by the name of XXXX extremely rude of course I've been dealing with this battle for over 30 days roughly a month and a half I'm frustrated this guy tells me that I can not cuss he can not give me his employee ID number not even a last name nor was I able to speak to a supervisor. Everyone I speak to wants to constantly transfer me over to other individuals who are not willing to help in this case and matter.
Product: Credit reporting or other personal consumer reports

XX/XX/year> previous complaint filed and the companys responded without providing documentation of a purchase agreement. I went on NMLS consumer access database and I noticed that you do not have a license to collect debt in Georgia, my state. Can you provide me with your licensing number? If not, you have to stop attempting to collect debt in a state where you do not have a license to collect debt in then I will have to bring it to court.
Product: Mortgage

Contacted Alliant on XX/XX/XXXX to dispute a {$250.00} XXXX XXXX XXXX. On the phone I was advised it was a rate reset fee applied on XX/XX/XXXX although it showed on my bill as XX/XX/XXXX. Disputed this because my rate was not reset & XX/XX/XXXX also coincided with their notice of service transfer to another entity also owned by Alliant. I had no say in that transfer and previously complained about it when XXXX notified. I followed up my call @ XXXX with XXXX with an e-mail questioning the charge. When I had not heard from them by the XXXX of XXXX, I called again. I spoke to XXXX who showed nothing on the account so he sent me an e-mail from where I should be sending the inquiry. I in turn sent a XXXX letter to that e-mail. The following week, via regular mail I received XXXX letters XXXX dated XX/XX/XXXX the other dated XX/XX/XXXX. Both letters were exactly the same content. They had received my inquiry & will make every effort to provide a response as promptly as possible, and will certainly do so within the time limit required by law. To this day XX/XX/XXXX I have not heard a response & I continue to believe the charge is unjust because Alliant initiated the transfer not me. I would hope you can get.a response in 15 days because it has been over 8 months for me.
Product: Debt collection

I wrote a dispute letter to Franklin Collection Services regarding a debt they placed on my credit report. They have yet to respond. The credit report states its original creditor is XXXX XXXX. 
1 ) I have never received a collection notice, not by mail, or email. Nor have I spoken to this company, which is a violation Under Section 1692g of the FDCPA 2 ) As of XX/XX/year>, it is against the law to place medical debt on credit reports. The Consumer Financial Protection Bureau published a final rule on XX/XX/year> that prohibits consumer reporting agencies from including medical debt on credit reports. This rule applies to all medical debt, regardless of the amount or payment status. 
This account needs to be removed immediately from my credit report.
Product: Credit card

I am disputing the collection account with TEKCOLLECT INC account number XXXX dated XX/XX/year>, with a balance of {$1600.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that TEKCOLLECT INC, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

Ive reviewed my credit report and have noticed that my credit report is not reporting 100 % accurately. Under 15 USC 1681e ( b ), accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the info concerning the individual about whom the report relates. There are a few items that are reporting inaccurately on my credit report and need to be deleted since they are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. According to 15 USC 1681i ( A ) ( 5 ), XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to Equifax Credit Bureau 's response to CFPB Complaint # XXXX. Equifax states that the identification information provided does not match their records. My name and address have been the same for nearly twelve ( 12 ) years with my name being the same for the last twenty-two ( 22 ) years.

Additionally, I have attempted to address other concerns with Equifax Credit Bureau before filing a complaint and Equifax had no previous issues with my identification. I also sent an email to the customer care center on XX/XX/2022 informing Equifax of my intent to file a complaint and requested a call back from a manager that I did not receive. So Equifax also has my email address. The email included my name, address and telephone number. Equifax could have contacted me directly to avoid additional delays if any additional information was needed. 
I am attaching the following : ( 1 ) copy of my social security card ( 2 ) copy of a current utility bill with my name and address ( 3 ) copy of the Equifax response to CFPB Complaint # XXXX dated XX/XX/2022
Product: Credit reporting or other personal consumer reports

I RECENTLY DISCOVERED A FRAUDULENT CONVENTIONAL MORTGAGE ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USDED MY PERSONAL INFORMATION AND OPENED FRAUDULENT ACCOUNT UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO OPEN THIS FRAUDULENT ACCOUNT UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE ANY FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Debt collection

Phoenix Financial Servives- Claimed there was a derogatory payment on my credit report. They would not provide any information on what the debt was regrading or itemized receipt I caled and closed up the payment {$900.00} as I did not want it to affect my credit score. However they again marked my account with another derogatory outstanding payment, again with no information on what the outstanding payment is for or itemied receipt. They also never provided one for the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, TransUnion is in direct violation of my rights under the FCRA. I recently informed TransUnion on XX/XX/2018 of an account that is being reported by a company that did not prove legal ownership of the account that is said to be owed to them ( attachment A ). XXXX XXXX XXXX is reporting account number XXXX as an unpaid collection. I do not owe this company anything! TransUnion states that they have verified the account belongs to me ( attachment B ), but did not verify that the reporting agency legally owns the account that they are reporting. TransUnion has not provided me with ANY supporting documentation such as a purchase agreement or bill of sale for this account that would assure me that this account is now owned by them. TransUnion never provided me with an original contract bearing my signature either. TransUnion can not place the burden of proving accuracy on the reporting agency as it is their job to investigate my dispute and obtain appropriate documentation to prove the debt is valid and is rightfully owned by the reporting agency. TransUnion suggests to reach out to the reporting agency when it is their job to prove accurate furnishing of my file. This account is not owned by this company as they have not proven legal ownership, therefore, I owe them nothing and they can not report anything on my credit report.
Product: Debt collection

ECSI claims Im not eligible for unemployment deferment but sends letters that it may be an option to me. They are giving me contradicting false informations continuously. They need to explain why unemployment deferment was not given to me yet they have economic hardship deferment which I do not qualify as of now due to unemployment. Furthermore, I was misled by ECSI and ECSI claims they had loans with me since XXXX  but they do not have master promissory note with me starting in XXXX  and they claimed to be federal not private. All their loans are invalid and must be canceled.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  Date of inquiry : XX/XX/2024 XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2024 and so on!
Product: Payday loan, title loan, or personal loan

What happened I got sick I was in the hospital my income was not the same any more I had to move out of town for awhile now they are harassing people I know and they will not stop
Product: Debt collection

I argued with this company for months over the amount that they were billing. They kept billing me incorrectly, so I told them i wanted to end our relationship. i cancelled my service and they billed me again. I have not done business with this company since 2014
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent accounts # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  bank # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX bank XXXX XXXXi # XXXX XXXX bank XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX 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.It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

LoanCare had a program to allow for a loan modification which had a closing date of XX/XX/XXXX. I submitted the application, but it was " removed '' by LoanCare before XX/XX/XXXX. I was repeatedly told to resubmit applications, and have been provided with e-mail addresses and fax numbers by LoanCare representatives which were not in operation. Within a few weeks of each application, I was FALSELY informed that I did not sign any of the applications and attendant paperwork and told to resubmit the loan modification documents. This has happened about five times since the whole process began in XXXX of XXXX. I was again told on XX/XX/XXXX that I did not sign the application. This is patently FALSE, and this is an obvious subterfuge to tire me out and cause me to not follow up on further loan modification applications. I really wish that the CFPB would intervene, given this bad faith pattern and practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX  XXXX XXXX have fraudulent late payments on my credit profile that need to be removed immediately.
Product: Debt collection

I never received initial contact by mail from this company. I noticed the company had been reporting the unvalidated information and I tried disputing the validity of the collection to no avail. The company called and harassed me several times until eventually I changed my number. The company removed the charges from my report for a few months and then resubmitted it again. The company is in violation of several laws including Defamation of Character.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not withholding records, as evidenced by my sending a copy of the FTC report. As required by regulation 605b of the FCRA, I am submitting this Complaint to help facilitate a proper response in accordance with the law. If you choose not to obstruct the following items listed below, which pertain to incorrect responses due to fraud, I will turn over my documents to my attorney to initiate legal proceedings. My intention is to avoid pursuing any legal action, so please adhere to the law. 
XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$11000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$23000.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Both my parents recently passed a week apart between XXXX and XXXX. I was left as a Beneficiary for a Bank of America account for the amount of approx. {$120000.00}. My only choices for having access to the funds was to transfer it to an existing BOA account, a mailed check or open a Merrill Edge Account, I chose to open a new Merrill Edge Account because I am currently traveling abroad and figured a wire transfer to my Credit Union might make things easier. It has not been. I started the transfers to my credit union on XX/XX/XXXX, received an email saying they received the wire transfer request. Since then it has been a nightmare as on Friday the XXXX of XXXX I tried to access the Merrill Edge app to find out I was locked out and that I needed to call a XXXX number for further assistance. The representative informed me that my account was under review and had no further information regarding the matter. With the exception of Sunday, I have been trying really hard to find out anything regarding my account and everyone at Merrill Edge service center has informed me that there is nothing they can do and can not tell me why, who or when I can either get an answer or access my account. They have essentially highjacked my funds and I don't know what to do or even who to speak with that might shed some light on what is going on. I'm still grieving over my parents death and I still need to take care of other things associated with the death of a loved one including lawyers, funeral home, estate etc. The lack of empathy and transparency regarding my account is unheard of. I am reaching out to you to file a complaint as this is the only thing I can do right now. Representatives at Merrill Edge Service center also told me they could not even give me the name of the department responsible for handling the case. Numerous calls to Merrill Edge and not one response back have left me here. 

There's no protocol here- just the same rote message " the account is under review, no further information is available ''. Are they not supposed to notify me of what's happening?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX ( Original Creditor : 01 XXXX XXXX ) and REC MGT GRP ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX ( Original Creditor : 01 XXXX XXXX ) and REC MGT GRP ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to replace 2 credit cards because I lost my wallet, the accounts were removed from all 3 credit reporting agencies but should not have been removed. I contacted my 2 credit card companies and they stated that by LAW they must report to the 3 credit reporting agencies ... .the cards are XXXX account ending in XXXX and XXXX XXXX account ending in XXXX ... XXXXThe credit reporting agencies are all giving me the run around on why they are not reporting and placing blame on the creditors XXXX and XXXX  XXXX ... .now if these accounts were delinquent or fraudulent accounts I will catch XXXX getting them to not report them ... ..this is complete XXXX!! both of my accounts should be reporting a XXXX balance and every payment has been made on time ... my credit score is stagnant because none of them are reporting my credit cards! they keep placing blame on the 3 creditors but the creditors said that it is up to the credit reporting agencies to update everything in their systems. I am baffled on what actions to take at this point, I just want my accounts to report as they should ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, improperly investigated my two Dispute. Both were from apartment complexs. That I could have not been living in at the same time. They didn't show me any documents stating I was in default with them both
Product: Mortgage

When I refinanced my loan, AmeriSave mortgage impounded my property tax and insurance when I specifically opted not to have it impounded. 

Ive made no less than 20 calls in the past 3 months trying to get the impound removed.

Theyve continued to promise resolution including sending me a letter confirming the impound will be removed, but it has yet to happen.

Ive continued to paid the mortgage loan and impound amount to escrow for the last three months and the issue still continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX they told me I've never missed a payment, yet XXXX, Equifax, and XXXX refuse to fix the accounts from being listed late. They told me they are not required to allow me to dispute these inaccurate information any longer. I constantly have to do XXXX, Equifax, and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

In XXXX I was having financial difficulties due to the economic crash of XXXX and I requested a home loan modification from my mortgage company ( American Servicing Company ), a subsidiary of Wells Fargo, I was denied several times, being told that I didn't qualify. As a result, I lost my home that I had paid for for sixteen years, and believe it or not in XXXX of this year ( XXXX ) I received a check in the mail from Wells Fargo for XXXX XXXX dollars and a letter stating that during a review of my mortgage account, they identified they when the loan was considered for payment assistance options, an error may have occurred. As a result, we are enclosing a check for XXXX. We apologize for any inconvenience this caused.
Product: Credit reporting

I do not have a case number. I have tried to dispute the information on my Equafax but I can not sign on. The website does n't reconize me. When I try to call I hold for 15 minutes then get disconnected because " they are responding to a large amount of calls ''. I have tried to go on the website and chatting with a representitive and they just apologize and tell me to call again. My credit report does not show my bankruptcy, all depts are still being listed as charge offs.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

I do n't know this issue did n't receive any statement on this collection from any company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my 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
Product: Debt collection

I am not aware of these debts. I just got the time to review my credit report and I do not recognize these accounts. I am requesting for this items to be removed under Section 609 in the Fair Credit Reporting Act. 

Williams rush & association- COLLECTIONS {$3400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX