23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In XXXX of 2006 XXXX called me in regards to changing my address to XXXX XXXX XXXX XXXX XXXX, IL XXXX. I told XXXX I 've never been to IL so they canceled my card and issued a new card. This address continues to show up on my credit report?? I 've never been to IL and want this address removed because it was a fraudulent address and I 've never lived their. This fraud accorded on or around XXXX/XXXX/06.
Product: Debt collection

In XX/XX/2019, i was involved in a car accident. I was found not at fault. The car was a total loss being that all airbags deployed. The car is with credit acceptance. Myself and insurance have provided documents several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the middle of repairing my credit and I noticed a second inquiry on my report. I did not initiate this inquiry. I know what my scores are and I would have known that applying anywhere would have gotten me nowhere resulting in unnecessary inquiries. The only valid inquiry is for XXXX XXXX SECURED card where I had to place a deposit in order to get approved. I have sent two letters requesting to have the inquiry removed and the company has not complied. They only mailed me one letter stating they confirmed the information from my credit report. They have failed to provide me my original signature and they did not have permissible purpose whatsoever. I am attaching copies of all the certified mail, return receipts, their one and only response, a copy of my FRAUD alert to the bureaus and a copy of a letter  sent to XXXX. I want this false inquiry removed from my reports immediately.
Product: Debt collection

Midland credit Management located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company needs to be banned from the US I reported 4 days ago they updated my credit report today the XXXX and lied and said that the debt was severely pass due that the card was open in XXXX They put debt is severely passed due assigned to a lawyer attorney collection agency credit card internal collection department all of these things that they left on my credit report and they just updated it today the XXXX because it showed up is a bald-faced lie They did this because I put the complaint in with you guys ( CFPB ) IT'S COMPLETE RETALIATION AND THAT'S ILLEGAL AND IT VIOLATES THE FAIR CREDITING ACT AND IT IS ILLEGAL TO IMPERSONATE A LAWYER WHICH IS WHAT THEY DID... I sent in the documents to show that this account is more than 15 years old - I sent them a cease and desist They continue to violate the fair crediting act at what point does THE CFPB government stop this company from doing this all together I want this and all of their 86 AND NEGATIVE!!!! remarks removed from my credit report completely not close but deleted off of my report completely I want Midland completely removed within three business days This is illegal now because they updated this and put this on my credit report and these are all lies My account was never assigned to an attorney that is a bald-faced lie They have no proof of that no evidence and XXXX XXXX the original credit or refuses to even talk to these people XXXX  XXXX told me that these people are crooks that they never use this company for this very reason that XXXX XXXX  has been sued multiple times because of this company My credit score is now XXXX I have never had that law of a credit score My credit score before they did this to me was XXXX This company continues to attack me because I reported them and because there's a XXXX group about them please make them remove this you guys are supposed to protect us the consumer They need to be deleted from my credit report now completely This is a lie This account is from XXXX XXXX we are in XXXX there's no way that they can even be listed as a closed account It needs to be deleted now This company is a fraud!!!! And now they're impersonating a lawyer This is illegal and my debt it never was my debt from the get-go That's why XXXX XXXX let it go because it wasn't mine I was an authorized user on this account and never used anything I don't want the account closed on my credit report I wanted deleted completely and I want all of their negative remarks all 86 negative remarks deleted now!!!!! This account is more than 15 years old It was never assigned to a lawyer that is a lie and they knew what they were doing and they knew it would drop my credit report and it would harm me at this point is harming me and my business This is not okay!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.
Product: Student loan

Back on XX/XX/year>, I submitted an application to switch from the save plan to XXXX  to meet XXXX payments for XXXX. There has been no follow through on MOHELA s end.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies in my consumer report that I would like to remove. There is an alias on my consumer report that I would like removed. XXXX and XXXX continues to report inaccurate names. I disputed this on XX/XX/2024 for the second time. 

In addition, Equifax continues to report an inaccurate address and name on my consumer report after I have disputed the information. All XXXX companies are reporting inaccurate information and violating my rights to privacy as well as furnishing my nonpublic information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/12 FRAUDULENT ACCOUNT ACTIVITY {$820.00} XXXX XXXX  XXXX/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By end of last year, i noticed an inquery on my equifax reported by XXXX/XXXX  Dated : XX/XX/XXXX. 

I have not known or applied for any of the cards from them, so I initiated a dispute with equifax on XX/XX/XXXX. Then they directed me to the reporter. I also called the reporter, and their agent told me he can not find any records based on my ssn, and gave me instructions to fax in a request the have it removed. 

So, I sent two letters to the reporter through fax to XXXX both on XX/XX/XXXX and XX/XX/XXXX. However, I have not received any response since then. 

The unauthorized inquiry is remaining on my report.
Product: Mortgage

I have had the same loan servicing issues multiple times with PHH Mortgage Servicing. 

I am including screenshot images to my complaint today regarding the issue. 

I logged into my PHH Mortgage account today, XX/XX/XXXX, at approximately XXXX EST to make an online payment on my loan account for my XX/XX/XXXX payment. 

The scheduled date of the online payment automatically defaults to tomorrows date, XX/XX/XXXX. When I click on the calendar icon located in the field titled Payment Date, I am unable to select todays date of XX/XX/XXXX, as it is grayed out and unable to be selected. 

At the bottom of the webpage, located above the blue SUBMIT PAYMENT button, PHH Mortgage has a disclaimer that clearly states Payments made before XXXX PM EST Monday through Friday ( excluding holidays ) will be processed and applied to the account the same day the payment is made. 

I am unclear why if it is prior to 9PM EST, PHH Mortgages website will not allow payments to be made and processed until the next business day, which directly contradicts the disclaimer listed on their website. 

By instituting this system, PHH Mortgage is either directly or indirectly steering mortgagees to call into the customer service line, and incur an additional fee to make a payment by phone, or being forced to select a future date to schedule a payment, which could possibly result in a late fee being assessed by PHH Mortgage. 

I would like to note that I did call PHH Mortgage customer service after the online system would not let me select todays date for my payment, and I explained the situation to the representative who handled my call. The reps solution was to take my payment over the phone and waive the pay by phone fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian to temporarily remove a credit freeze in order to allow a mortgage company to run a credit check. I was told by an experian agent ( XXXX ) that it would be {$10.00} to remove the freeze. I agreed and gave her a debit card number for the charge. Upon checking my bank statement, I found I was charge 9 times ( {$90.00} ) for the one time {$10.00} charge. Experian hit my card several times within a 4 minute timeframe for the supposedly one time charge. I have tried repeatedly to call Experian to address this problem, but am unable to get through to an agent. My call is stuck in voice option loop and then the call is ended. There is NO option to talk with a human agent at any time. I have tried at least 5 different numbers I have found in notes or on the web, but I experience the same thing ... loop and disconnect. I would like to get my extra money back but have no way of letting them know what is going on. I have enlisted the assistance of my bank, but Experian appears to be a fortress. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these items that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. 
XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a person attempting to collect a debt. After asking the person a few questions about the debt, I realized that I am a victim of identity theft. That call prompted me to check my credit report where I confirmed that some criminal had used my personal information to fraudulently apply for and obtain credit that I never received any benefit from. The accounts in question included credit cards from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and even an auto loan with XXXX XXXX. I couldn't believe that someone was literally driving around in a car that was financed using my personal information. I have called all of the banks involved and this has proven to be the most difficult thing I have ever had to deal with in my entire life. I can't seem to get any of the banks involved to help me. I feel helpless.
Product: Credit card

I've made it a point to pay this account on time, ensuring it never becomes overdue. I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card or prepaid card

Made original purchase on account on or about XX/XX/2019, returned one item on or about XX/XX/2019, made all required minimum payments on time. The original purchase mentioned above was made as an one year interest free promotion, I have so far followed all terms imposed by the creditor. On or about, the statement of XX/XX/2019, the credit card company transferred approximately {$840.00} as a regular purchase. Additionally, was billed a finance charge of {$21.00} which was not supposed to have happened. 

Retail establishment is Jared Jewelers, cardholder management maintained by XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

To Whom It May Concern, I am submitting this complaint regarding Experian 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Addition financial XXXX XXXX. XXXX XXXX XXXX. Hard inquiries I have no knowledge of any XXXX. All addresses that arent XXXX XXXX XXXX are considered fraud. 

I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ].

I am requesting the following actions from Experian through the CFPB : 1. Conduct a proper and thorough investigation into the accounts l 've disputed. 
XXXX. Provide me with a detailed explanation of the steps they've taken to verify or correct the information. 
XXXX. Remove any inaccurate or unverifiable information from my credit report immediately. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company has taken long to respond to this account, but has already added the balance on a new account
Product: Debt collection

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right letters and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

cores Details I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX/ {$5900.00} / XX/XX/2022 XXXX XXXX XXXX/ {$2600.00} / XX/XX/2022 XXXX XXXX XXXX/ {$7600.00} / XX/XX/2022 Cancel contract. Please provide the original contract or delete I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address 1 put on the from area.
Product: Credit card or prepaid card

My Platinum American Express Delta SkyMiles with an annual fee of {$190.00} has few flaws that are outstanding! Recently I made a purchase of two plane tickets on XX/XX/2019 with Delta and used my AMEX Delta as I always do to pay. Got my confirmation and receipt and everything looked good. Days later I noticed the charge on my card is double what it should have been and 4 tickets were issued for same passengers and same rout and same time! Here comes the first short coming with this card, means of contact if you have a problem is : call, chat, write a physical letter. No email option is given, which means I was glued to my computer to live chat with someone about this problem of double charged and It took me more than 3 hours and was an  exhausting process since they tried first to convince me " may be it is  the Tax ''! My chat should be in their document but when I asked to send me a copy of our chat they refused. I am in shock how a platinum {$190.00} fee card, failed to protect me and notify me with a fraud alert of such an apparent mistake. Who buys 4 seats for 2 people for same flight? This means I had no protection. my other cards however, have a fraud alert even when I pump gas in other states they stop working until I reassure them it is me. And no this is not a feature that I turned on it came with my other card for free. Amex never explained what went wrong but the dispute was resolved 25 days after. What I need from them is : 1-Have email communication available for customers so people wont be glued to phone or computer for a long time 2-explain why they failed to detect the overcharge when so clear and notify me and on top of that when I complained their untrained employee tried to make the over charge legitimate by writing back to me " may be it is Tax '' and I decided to lay out the math of charges for her. 3- I deserve the annual fee for this year to be credited to my account due to lack of their services. They have already billed me for this year few days ago.
Product: Credit reporting or other personal consumer reports

I requested my credit reports that are supposed to be in protection monitoring. 
There is a lot of miss use of my credit report Why is the the credit reporting agencies running my name daily decreasing my credit score because someone within the reporting agencies are using my personal information and I want it stopped. 
I will provide all of the daily inquiries and running my name daily for their use because I cant get credit Your credit reporting agencies are using our names so we cant Someone has credit in my name through XXXX XXXX  because I Applied for credit and was denied because someone else is using my name. This is how American people are used and abused by your insiders
Product: Mortgage

I called and requested an escrow account to be established on my investment property with Mr. Cooper the first week in XX/XX/XXXX. The representative placed the escrow account through by requesting an escrow analysis and advised I would need to make the XX/XX/XXXX payment and they would pay going forward. I asked if there was anything else I need to do on that call and he advised no. 
I later received a letter from Mr. Cooper advising taxes haven't been paid and they are force placing insurance. I immediately call them and found out taxes for XX/XX/XXXX and XX/XX/XXXX weren't paid. The employee looked into it and said something XXXX through the cracks and the account wasn't sent up causing an escrow shortage. She told me it would take a few months to set it up. I contacted the employee ( XXXX XXXX ) by email helping me multiple times and never received a email or call back. This just caused a further shortage and payment would have increased beyond making me afford the home therefore I had no choice but to refinance XX/XX/XXXX.
Product: Checking or savings account

On XXXX XX/XX/2021 I initiated an instant transfer in the amount of XXXX dollars using XXXX from my XXXX checking account to my Chase checking account. Moments later I received a message acknowledging receipt of the funds from Chase and shortly thereafter the funds were shown as available in my Chase mobile app. 

The funds were also shown as available the following day, XXXX XX/XX/2021. On Wednesday, XXXX XX/XX/2021 I went to check my Chase checking account via the mobile app and noticed that my checking account was no longer showing in the app. I assumed this was some sort of error with the app but contacted Chase 's customer service department to be sure.

They informed me that the account had been closed due to lack of activity and that this was effective XXXX XX/XX/2021. I asked how this was possible since I had only 2 days prior made a deposit to that account. What follows was a tremendous run around. By the end I had been assured by no less than two separate representatives that the funds were currently being returned to the sending account, and that they would be available no later than the close of business that day, XXXX XXXX. 

The close of business came and went with out the funds showing up. As a courtesy I waited an additional 24 hours to see if the funds would appear. That time also came and went. On the morning of XXXX XX/XX/2021 I again contacted there customer service department. Again I was giving a very lengthy explanation as to why this banking institution had unilaterally, and absent any due process or prior communication, decided to close my account thereby revoking access to the funds which I had entrusted with them as a deposit. However the representative also stated the funds were currently " en route '' to the sending account and would be available by close of business. 

Out of an abundance of caution I reached out to the customer service team at XXXX to see if they could verify that there was a pending transfer of funds. They informed me not only that there was no pending receipt of funds from Chase bank but also verified that the funds had been successfully sent to and received by Chase bank. This is in stark contrast to Chase previous claim that the transfer was rejected and would be sent back. As of today the XXXX dollars that was in my Chase account is still nowhere to be found. 

This Tuesday morning I will be filing suit with my local small claims court for the return of the funds.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and the last four of my ssn is XXXX. My date of birth is XX/XX/XXXX This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, XXXX and Experian credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card and student loans. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.