23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

These companies have continued to harass me even though I have explained and provided proof that Im not responsible for the things theyre placing on my credit report. I have police reports and other documents proving I was living in another state when these things occurred the times they did. The companies arent resolving the issues. Some of the companies have even took it upon themselves to duplicate some of the fraudulent charges to hurt my credit report purposely. I have suffered greatly due to these fraudulent charges. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. XXXX XXXX XXXXXXXX collections- {$550.00} XXXX XXXX $ XXXX duplicated fraudulent charge XXXX XXXX {$560.00} XXXXXXXX XXXX {$610.00} XXXX XXXX {$660.00} XXXX XXXX {$690.00} XXXX corp- XXXX XXXX duplicated fraudulent charge XXXX XXXX {$850.00} XXXX XXXX XXXX- {$870.00} XXXXXXXX XXXX {$960.00} XXXX XXXX {$990.00} XXXXXXXX XXXX- {$1000.00} XXXX XXXX- {$1000.00} XXXX XXXX- {$1000.00} National Credit system- {$5600.00}
Product: Checking or savings account

I was told on Tuesday that my account was up for closure. All of the funds in my account are frozen with no access what so ever. I asked them to at least release the money in my checking account and they straight up refused. I have very little money at this time. I am a retiree on a pension and social security. They told me I shared my credentials nd they are closing my account as of Thursday, XX/XX/XXXX. I told them I need money for food and to paymy utilities. The person scoffed. Canned answers can not get it done. Please help.
Product: Debt collection

MIDWEST RECOVERY SYSTEMS has reported a " collection account '' to numerous credit bureaus in error. I do NOT owe them nor anyone they claim to represent any balance!
Product: Mortgage

XXXX is taking almost a month to post my payments. They are currently damaging my credit because they are reporting that I am more than 50+ days delinquent. I am not. I owe for this current month of XXXX. I mailed them payment during the last week of XXXX. Today I received a letter from them stating foreclosure is immanent. Once again, I am not even a month behind. I have called several times and been told I can pay to do a stop payment on the check and pay them some other way or send my payment to a different location other than the one listed on the payment statement. The payment has already been sent, so I can not change it's address. I used the statement coupon that had their pre printed address. I have no reason to believe that they have not received the check as they have cashed the XXXX payment that was sent at the same time. My bank says they need appropriate time to stop payment, and I am currently dealing with financial hardship and can not afford for XXXX to process double payment. 
The representative was rude and behaved as if she thought we were " adversaries '' in the street. I had to ask her why she was speaking to me in sick a manner. 
XXXX is currently holding $ XXXX in escrow over payment because they say my mortgage is not current. Once again, payment have been submitted for every month except this one ( XX/XX/2024 ). 
I asked to speak to someone that could help, I was denied. I also informed the representative that I felt I was left with no choice but to complain to all financial regulators and was told to " do what you feel ''. Please help me and all Alabamians subject to this terrible company.
Product: Student loan

This complaint is regarding MOHELA and PSLF. Current loans total {$60000.00} and my account is in the SAVE repayment program with a monthly payment of and an interest rate of 6.625 %. Loans were disbursed on XX/XX/XXXX. 
On XX/XX/XXXX I submitted a PSLF E-Sign application, which is still being processed. MOHELA states on its website that the form should take 30 days to process. My current payment count is stuck at XXXX, although I have surpassed XXXX eligible payments. For some reason, the staff is unable to verify my current employment, even though the form was signed and uploaded on XX/XX/XXXX. Calls to MOHELA include a wait time of over an hour, and representatives often give conflicting answers and guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent both TransUnion/XXXX  a method of verification letter requesting that information as of XX/XX/2018 and havent yet to receive that information although they state that the accounts reported on my credit report were verified. Its my understanding that according to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts reported on my credit report.
Product: Debt collection

ATTENTION ( CREDIT MANAGEMENT XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company ( CREDIT MANAGEMENT XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Mortgage

We have a reverse equity line-of-credit mortgage that got assigned to Ocwen, which has now changed its name to PHH Mortgage. We have almost {$70000.00} available to draw upon. On XX/XX/2022, we submitted a draw request for {$15000.00} ( I have a contractor for home repairs ready to go when I get the money ). PHH says that the draw request will be processed within five business days of the request. On XX/XX/XXXX, I got a call from PHH in which they said they were confirming how to make a direct deposit in my checking account. Having received nothing, I called PHH on XX/XX/XXXX. The person I spoke with denied that I had make the request on the XXXX, and said that it had been made on the 21st, and that I would get the deposit on XX/XX/XXXX. Late on XX/XX/XXXX, having received nothing, I called them again. The person I spoke with said that my request had been received on the XXXX and that no one had taken action on it and she would put in for an expedited deposit. She said I should get it today, XXXX XXXX. My bank has received nothing today.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX . 
XX/XX/2024 Closed Company responded ==================================== I RECEIVED THE INCORRECT INFORMATION FROM THE ALLEGED THIRD-PARTY COLLECTION COMPANY. 

I ASKED FOR INFORMATION REGARDING FUSION AND YOU SENT STORAGE COMPANY INFORMATION. 

SEE ATTACHED
Product: Consumer Loan

I was advised by XXXX employees ( XXXX males ) that I would havea due date change after making my payments, which did not workwith my pay cycles. I made the payments and when I inquiredabout the due date change there was a delay in their response tome so it caused me to be late again. When I asked about whatwas promised and said to me on the phone they had nodocumentation and calls are not recorded. I feel like I had beendiscriminated against, being a single woman. In 2012 I was eventold that I should have planned better when I went out on XXXX. When I called to make arrangments after being in thehospital I spoke with XXXX. I said I refuse to speak to anothermale at this company I felt discriminated against and wanted afemale. He said I had to deal with him, I requested a femalemanager or female account rep. He replied there are no femalemanagers and that he is now reviewing my account. I explainedthat I am going to report this to because that is hard to believe. 
He asked what XXXX issues I was having and I again explainedI refuse to speak to him and wanted a female. They requesteddocuments of my XXXX issues or something showing that I wasin the hospital. I thought this was only required when you are filingfor XXXX insurance to make your payments. I will supply copiesof XXXX bills, but feel like it release my XXXX information whichthey do not need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP I am filing a complaint against Citi Cards for failing to remove an unauthorized inquiry on my XXXX credit report. I mailed and faxed them a letter nearly two months ago and they still have no responded. I am requesting that they remove this illegal unauthorized inquiry they made on XX/XX/2018 that had neither my permission or any permissible purpose under the Fair Credit Reporting Act. 


Thanks for you help in this matter, XXXX XXXX XXXX
Product: Debt collection

>>>DEBT PARKING<<< Southwest credit consumer care. XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
This is the 3rd time ( I have physical proof ) this Company has illegal Parked Debt on my name. The Alleged Debt that has been PROVEN not to be mine. The Alleged Debt Has Been removed off my credit report TWICE BY THE SAME COMPANY. also has been reset by a date and a single {$1.00} Three times in an attempt to SCAM me again! I am seeking Legal counsel as they seem to be Predatoryly Parking Debt that is NOT mine on my name. My phone number is accurate on my credit report and adress is up to date and they never attempt to call or mail me anything. They Continue to Aggressively Debt park things that ate NOT on my name. Please make this illegal Scam stop. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Early this year in the process of me trying a buy a home, I pulled my credit report from all three CRA I noticed accounts that were not mine. one is a credit card account opened in my name XX/XX/2019 with a current total balance of {$710.00} reporting on my credit and another for XXXX XXXX with a balance of over {$1000.00}. I immediately took steps to correct this incorrect information. I have sent multiple letters, filed a police report, sent an Identity theft report all to no avail. Till this day, I have yet to receive any sort of verification or account information from both the banks and CRA 's. I have requested that this information be blocked and removed from my credit file. XXXX has completed it's investigation and deleted these fraudulent accounts off my credit file. It still remains on my Equifax and XXXX XXXX reports.
Product: Credit card or prepaid card

Synchrony Bank ( AMAZON STORE CARD ) account never sends me a statement. 
Amazon Prime Account Card. No. is XXXX
Product: Debt collection

I was covered by state insurance -XXXX XXXXXXXX XXXX They refuse to rebill, it should be paid in full by insurance. I never received a bill or statement saying I owe them money or I would have called them right away to find out what is going on. Found it on my credit report and disputed it. They said that this was an accurate account. The credit report say I owe them XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I would like to file a complaint against Bank of America. I left the United States in XXXX to go overseas to work with the military and before I left, I sent letters and call all those that I had some form of business relationship to cancel their services. When I came back to the United States of America in late XX/XX/XXXX I tried to apply for credit, and it was denied as they said that I have a charged off account on my credit report from Bank of America and I was shocked by this. I then called Bank of America and disputed this and asked the young lady to remove it from my account. She informed that it will not be removed until I pay the amount that I allegedly owed. I was going to fight this matter in court but my wife said that it would cost me more than what I would receive so we should just pay it and get along with our lives. I reluctantly agreed to what she said. 
I then called back and spoke with a Bank of America rep who informed me that she can not fully discuss my account with me but all that she knew was that once the funds were paid that I allegedly owed then the negative item would be deleted from my account. She called it ''A PAY FOR DELETION ''. To this date the item has not been deleted from my account as promised and I recently got a letter from Bank of America stating that they are unable to provide me with documents signed by me saying that I opened the account as the account they claim was opened online. I never applied for a Bank of America card online. 
So, they can not prove that I opened the account but yet they continue to report a negative item on my credit claiming that the account is mine and this makes no sense. If you can not prove that I opened the account, then how can you report it on my credit report. This is totally illegal. 
I am not interested in a long-drawn-out battle with Bank of America. I just want them to send a report to the credit bureaus requesting that Bank of America will be deleted from my account as promised by an agent of their company. I lost my wife and a child to XXXX, and I am trying to rebuild my life. I suffer XXXX and this situation is causing undue stress. Please show some compassion. These are terrible times we are living in I am enclosing a copy of the letter Bank of America sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy several years ago - only on credit cards. I reaffirmed my home mortgage, but Ditech has never reported to the credit agencies since then that I make my mortgage payments each month for years now - which would help improve my credit score. Please help me. I need to increase my credit score. Ditech has filed bankruptcy themselves and now my mortgage is going to XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX-XXXX, phone numbers - customer service XXXX and collections XXXX. Every time I had my bankruptcy attorney send a reaffirmation of my home mortgage - they would just say it wasnt the right paper. So now my bankruptcy attorney says he wont help anymore. Please help me - Im a single mom to a XXXX year old boy who is on the spectrum for XXXX, a XXXX XXXX, and I divorced my sons father ( my ex-husband ) because he was so abusive to myself and my son. I still cant seem to financially recover from that horrible time in my life even though I filed for divorce in XX/XX/2011.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXF XXXX XXXX XXXXXXXX XXXXDate Opened : XX/XX/XXXX Balance : $ o XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off XXXX XXXX XXXX Date Reported : XXXX - Public Record
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX XXXX  Account XXXX XXXXXXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX  Account 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 an or my account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Discover shows an an inquiry on my credit report This was unauthorized and I didn't request any of this company 's services.
Product: Credit reporting

My mortgage account has been deleted from Equifax credit reporting file as of today XXXX XXXX, XXXX XXXX XXXX informed me that Equifax showed that they had deleted my mortgage account which caused my credit score to decrease by XXXX points. I, then paid {$15.00} to Equifax to get a report so that I would have their file number just to talk with someone about the deleted mortgage account. Equifax representative as of today, XXXX XXXX, 2016 advised me that I had to get this error corrected although I have a mortgage account which is current as of XXXX XXXX, 2016. He confirmed that the mortgage account had been deleted because the account had not been updated since it was last reported. He advised me that the mortgage company must resubmitted the information to them. I called the mortgage company. Does Equifax has the right to delete a furnisher information on a consumer without confirming the information with the furnisher? My mortgage account is open and has been current for years.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Student loan

To whom this may concern, I left school XX/XX/XXXX and have been on income based payment until XX/XX/XXXX which each year has been a challenge to gain income based payment plan. The reason I wanted income based was because my many other loans I had and also was not able to make my rent payment and other nassesities I had with such a high payment. Originally I was through XXXX XXXX and once moved to Naviant things have been very discouraging. I was set up on automatic payment and their systems would drop my card on file multiple times ( at least 4 times ) this would lead to collectors starting to call my consigner and then I would hear from my cosigner multiple moths later. This has effected by credit report because they say I have multiple late payments by XXXX and 120 days which also has effected me getting a mortgage XX/XX/XXXX. Still today I 'm in the process of sending multiple letters to the XXXX credit breuaus and each time Naviant has reported back to the breuau that information was correct. Dealing with Naviant is some of the most frustrating company I have ever experienced, every phone call I would make to fix an error on their end would be an hour phone call. One of my loans had a 9 % interest rate at a {$18000.00} balance, just paying the interest over the years would n't lower my original balance. Until recently I have a better job and have paid this off but still have a loan with Naviant today and have to call and make the payment over the phone because I ca n't trust them to set me up with automatic payment. If you file for a court action I have multiple examples and if you look into my account I 'm sure you will find abuse and we 'll as negligence on their end. As a consumer I feel helpless trying to argue with such a big company. The loan I have through Naviant is a private student loan which they treat very badly because they tell you I 'm under different rules than fed loans. I 've dumped tens or thousands of dollars to Naviant and hope there is something I can do to stop their poor practices.