23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to a company shown on all three of my accounts as " XXXX XXXX ''. ( Since that time, oddly enough, both Equifax and XXXX  have changed the name on the account to " XXXX XXXX '' who I believe is the original Creditor. ) I copied Equifax, XXXX, and XXXX  in this letter. I requested verification and validation of this debt. I sent this letter to all of the above parties via USPS, as well as email. I have not heard one word from XXXX XXXX or XXXX XXXX since that time nor have I been sent any documentation that would prove this debt belongs to me. That has not however stopped any of the three agencies from listing this item on my credit account. 

On XX/XX/2020, I received my Dispute Results from XXXX  who verified the information as accurate. In my credit reports from XXXX XXXX and Equifax, these accounts were listed under " XXXX XXXX '' and on both credit reports, the account was said to be verified as of XX/XX/2020, the date of both reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This date is over 90 days I have not received a response yet. I feel like I'm being taken advantage of and my dispute has fallen on deaf ears. Section 611 ( a ), it plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted immediately be deleted I am demanding that these accounts deleted at once or I will file for litigations due to the stress you caused me. My information was also impacted by the equifax data breach. and may have gotten in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience has confirmed medical account that is not mine.
Product: Credit card or prepaid card

I filed 2 disputes about 2 transactions with a company because the company never provided the service that paid for. I paid for e-filing of 2 documents which were supposed to be recorded for a business transaction that was to take place in a few months. When I went to close on the transaction, I was unable to and the business transaction was terminated because that documentation was never filed. When I called the company and ask them why they didn't file it, the admin. assistant literally said " oh I don't know '' but we did get your documents. I then asked for a refund and she said no. I IMMEDIATELY contacted Elan to file the despites. Elan then proceeded to have me explain the situation and further WRITE it down TWICE and mail and fax it in. After going through all of that trouble, they sent me a letter this week saying that they can't do anything about it because my disputes were files after 60 days of the transaction. THE ISSUE DID NOT ARISE UNTIL AFTER 60 DAYS. AND ALSO, WHY WASTE MY TIME AND HAVE ME GO THROUGH ALL OF THIS TROUBLE ONLY YO NOT ASSIST. I NEED MY MONEY BACK. I PAID FOR SERVICES THAT I NEVER GOT AND THIS IS NOT ETHICAL AT ALL.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is the account that has inaccurate information they put a repossession on my account and my car was never repossessed and the said my account was closed and it was never closed this caused my credit score to drop XXXX points over all my credit dropped XXXX points and I have disputed these facts with XXXX trans union and XXXX and they got information from XXXX XXXX XXXX that it was incorrect and they have not fixed the issue they only said they noted my account but my credit has not been restored from the loss it took due to the incorrect information that was reported
Product: Debt collection

I have contacted Navy Federal on the matter of my credit card balance.My credit limit was {$1000.00} and ballooned to XXXX  XXXXThey are unable to explain to me how a charge of {$4800.00} was allowed to go through when my balance was {$900.00} at the time the charge came through.This charge should've been denied by Navy Federal .

This happened during height of Covid and I was sued and unable to attend court to defend my case.I have included statements showing balance increase and shows credit limit.
Product: Debt collection

I have pulled a copy of my recent credit report and found a company by the name of MRS BPO LLC is reporting a debt in the amount of {$260.00}. I never received any notices from this company regarding this alleged debt, nor do i have any contracts with them, however they are reporting on my credit. MRS BPO LLC has damaged my reputation to the point where i can not get approved for credit. This Debt is being reported with out fairness and impartiality and is harming my ability to obtain credit.
Product: Debt collection

I have sent multiple letters to this company and the credit companies with no response more than 45 days later. I have tried to get this issue resolved but somehow have hit a stone wall due to the unresponsiveness of this company which has hurt me finically. I have never heard of this company before it was placed on my credit report I was not given a chance to dispute the alleged debt. I do not have any contract with this company I do not owe this debt I have sent out multiple to letters to have this debt validated it has been more then a month now approaching two I ask that this account be removed from my credit profiles as required by law. Also s a consumer my rights have been violated pursuant to 15 USC 1681b which states that my information should not be furnished unless in response to subpoena in connection with federal grand jury or written instructions.
Product: Credit reporting or other personal consumer reports

I checked my credit report onXX/XX/2024and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$6900.00} ; XXXX XXXXXXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9300.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}.
Product: Debt collection

I was going to move into an apartment complex but didn't go through with it. 
Later on I found out that there was a an energy bill at that apartment complex in my name that I didn't authorize. 
It's through XXXX XXXX but being collected by helvery and associates. 
I wrote them a letter asking for proof the debt belongs to me or for them to remove it. It has been 2 months and I haven't received any proof, and it's still on my credit for the amount of {$870.00}.
Product: Credit reporting or other personal consumer reports

This is my numerous 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 Balance : {$1600.00} ; XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$650.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Stop ignoring important documents such as what Ive attached to this complaint.
Product: Mortgage

Was behind on mortgage. Was forced to refinance. Was put on a 40 year refinance. My monthly payments were increased even though I had caught up on my monthly payments.
Product: Debt collection

According to Nelson and Kennard who represent XXXX XXXX, XXXX state that i owe {$8300.00} for a account i did not own. I tried to get the information that they said they had to prove their case. I got a billing statement for billing that had a date of XX/XX/XXXX. the account was in my name and address was listed where i used to live. What caught my eye was the credit card account number was different from the credit card i did have with them and has since been paid and canceled. I told them that this account wasn't even mine. Their answer was because my name was on it it was my account and owed the amount. I asked Nelson and Kennard to show me the form where i signed for this account. Nothing was produced. If i understood Nelson and Kennard they are the second debt collector to have this account. They say I was served to appear in court. The age of the person served as XXXX, at that time i was XXXX the height of the person was XXXX foot, im XXXX. In order to put pressure on me to pay the debt Nelson and Kennard or XXXX had put a lean on me. I found this out when i tried to get a G.I. loan in XXXX for a home, of course i was denied the loan because of this.According to a screen shot page dated XX/XX/XXXX from XXXX it states that I do not make enough money to garnish. 
In short i never owned the card in question. I would like to have the Lean taken off and the debt erased. I feel they have taken away my right to getting a home for my family as owed thru the G.I. bill.
Product: Debt collection

I logged on to my XXXX XXXX account and notice my points went down a lot. I checked to see why and noticed a collection on my account that I did not recognize. It was for Aspen Finacial and the amount was around {$2600.00}. I called the collector and let them know this was not me and was fraudulently done. They said this was an account opened XX/XX/2019. They told me to get a police report and send them documentation as well as report to this to credit bureaus.
Product: Credit card

The company went through some sort of merger in XXXX which eventually resulted in me losing access to my online portal account sometime early/mid XXXX. Losing access to the portal meant I was no longer able to view my bill or pay them online. In a personal effort to be cooperative I did just pay a few bills over the phone despite my discomfort with that, but eventually stopped after a few months because I wasn't understanding why I was being charged certain amounts and they couldn't provide a bill to explain. My account started to go late in XX/XX/XXXX. 

I spent hours and hours on the phone with customer support on the back half of XXXX trying to regain access to my account, but they continually failed, redirected, blamed me, ect. After countless hours and attempts, the situation finally got resolved at the end of XXXX in XXXX after already being XXXX months late on payments. 

After experiencing months of the worst customer service possible I decided to just pay my bill and close the account. After speaking with some members of management they waived all late fees noting it was their system issues that caused the problems, but apparently didn't remove the late status from my credit report. 

The card was 100 % paid off and closed in XX/XX/XXXX, because I had to call back AGAIN and get another late fee that they added on after I paid removed. 

How do they expect me to pay a bill I'm not allowed to view? The collection reps are allowed to know the total and take my credit card, but can't tell me what's on the bill? Why was I locked out of my account for half a year? How can they tell me it was their fault and remove the late fees, but still mark me as late on my credit report?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was logged out of my coinbase.com account and lost access to it. This was because my phone number was sim swapped and someone got my personal information. I was sim swapped on XX/XX/XXXX and this happened on the XXXX of XXXX of this year ( 2021 ). I had close to {$8000.00} in Bitcoin in my account. I emailed Coinbase.com multiple times but no response has been received.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

CHASE offered the coupon bonus of {$300.00} when I opened a total checking account and set up with direct deposit and {$200.00} when I opened a saving account deposit total of {$15000.00}, Get {$100.00} extra when I did both which total of {$600.00}. 
On XX/XX/2019, I opened both accounts at CHASE in XXXX XXXX, CA branch with the banker XXXX XXXX XXXX XXXX XXXX. After she checked her system, She found that I closed my old accounts a year ago. She said I was qualified for this program. After I had completed all their requirements, on XX/XX/2019, I received {$100.00} only. Then I called XXXX XXXX at CHASE 's headquarter, XXXX XXXX e-mailed XXXX XXXX to pay me on the branch 's expense. I called XXXX XXXX several times, she did not respond. On XX/XX/2019, I walked in to the branch, XXXX XXXX was not there, I talked to XXXX XXXX who e-mailed XXXX XXXX to contact me. XXXX XXXX never contact me.
Product: Mortgage

We closed on an FHA mortgage in XX/XX/XXXX, signing our closing documents on XX/XX/XXXX. Upon closing, we were informed of the functioning of an FHA mortgage, primarily the Mortgage Insurance on our loan. The closing officer informed us that the mortgage insurance would drop from our mortgage at 78 % of the value of the of the loan and pointed to the corresponding documentation in the paperwork. Additionally, I, along with my husband, mother and father whom we bought the home from, recall this information being verbally stated and showed to us in the closing documentation. <P/>In XX/XX/XXXX, we met the 78 % mark of the value of our loan. At that time, I contacted Quicken Loans to inquire as to why the Mortgage Insurance has not dropped off of our payment. Unfortunately, we were informed it does not ever drop on our present FHA loan, and we had the option to refinance if we would like. After reviewing my closing documentation, it was determined that the closing officer had us sign documents stating both the FHA guideline prior to XX/XX/XXXX and the new FHA guidelines. These documents provided conflicting information regarding the mortgage insurance requirements. As the loan holders, it is our primary concern that we should no longer be paying the cost of mortgage insurance past the 78 % of our original loan value, due to this being stated in a document we signed at closing. We, as the signees of the closing documents and not the producer of them, should be held to the lesser restrictive of the two documents/contracts. <P/>Since finding out we signed conflicting documents, Quicken Loans has been working through our complaint and concern for several months. However, as of today, there has been no resolution to rectify the mistake which would fully correct the situation without additional cost to us i.e. refinancing. The options presented to us are not satisfactory and do not monetarily compensate us for the cost of the mortgage insurance we are unrightfully paying and will continue to pay the duration of the loan. At this time, Quicken Loans is not honoring a signed contract with one of its loan holders, ourselves. <P/>Therefore at this time, I am requesting that Quicken Loans monetarily compensate us a total of {$2000.00} which is the approximate total amount we will pay in Mortgage Insurance past 78 % of our original loan value for the remaining life of our mortgage. <P/>We submitted a letter to Quicken. loans requesting this monetary compensation by today XX/XX/XXXX. However, as of approximately XXXX Eastern Time on XX/XX/XXXX, no answer to our request has been received. We did receive confirmation that our letter was received by our Client Relations Specialist as of yesterday XX/XX/XXXX.
Product: Debt collection

I don't recall having a contractual relationship with this collection company TRANSWORLD SYSTEM INC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied an apartment due to erroneous information found during a rental screening check. TransUnion claims the record ( XXXX ) is not part of my credit report, however this information is showing up on rental screenings and preventing me from obtaining housing. 
If this item were accurate, it would have been included in a bankruptcy.
Product: Credit reporting or other personal consumer reports

westcreek financial is on my credit report. I have never had any communication, and i have never had any interaction with this company. 

I have tried contacting this company, and it was not resolved.
Product: Debt collection

Nearly 5 years after this debit was made against me it was directly sent to collections with XXXX, XXXX and XXXX XXXX. I contacted XXXX XXXX the leasing company for XXXX apartments in XXXX XXXX, XXXX XXXX XXXX informed me that this debt occurred during the COVID PANDEMIC and they told me they didnt know my current address in Arizona XXXX We moved to Arizona XX/XX/XXXX. XXXX, XXXX, and XXXX XXXX sent notification to us in Arizona ( where we moved to XX/XX/XXXX ) in approximately XX/XX/XXXX regarding this debt. Although this address in Arizona is directly available in my credit report. We did put in a forwarding address with the XXXX and nothing was ever forwarded to us in Arizona. Ive called XXXX XXXX directly once in XX/XX/XXXX and was told it wouldnt come off the credit report until its paid. I have since called XXXX XXXX and left numerous voicemails and have NOT RECEIVED ANY RESPONSE FROM THEM as of today XX/XX/XXXX. I have directly disputed this with all XXXX credit reporting agencies. Without resolution. Experian report says its staying on my report until XX/XX/XXXX. XXXX on XXXX XXXX said it was closed XX/XX/XXXX but the comments still says its in derogatory status. I need this derogatory comment removed so I can move to another house and rent without this denying me the ability to move. This notice from XXXX XXXX was not forwarded to us at any time during this time frame and I question what they say as again we DID put in a forwarding change of address in XX/XX/XXXX.
Product: Debt collection

I opened a XXXX XXXXXXXX secured card ending in XXXX. I lost the card and fraudulent charges were made on it. I tried disputing with XXXX XXXX but they charged off my account instead without refunding me my deposit. Portfolio recovery associates bought the account and now theyre holding me responsible for these fraudulent charges resulting in {$790.00}. I have this account removed already from my transunion report but the other credit reporting agencies still have this account on my credit report. The account number is XXXX. Ive disputed this account a year ago. Please help me remove this collections account from my credit report. Thank you!
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX
Product: Prepaid card

On XX/XX/XXXX purchased a vanilla Visa gift card in the amount of {$470.00}. Called XXXX and activated the card. 
Attempted to use the card after I activated it on my apartments website and it wouldn't work. Called back and was told my card was locked. I asked them to unlock it because this was my rent money and asked for the supervisor. Was then transferred to someone who unlocked my card. I then had to go to work. The next day i went online to check my balance and there was a transaction for {$460.00} made that wasn't me and I had a balance of {$0.00}. There was another transaction that was pending from XXXX. I called them and got the lady to tell me the shipping city attached to my card numbers was XXXX which is XXXX, Kansas..2 and a half hours away from me. ( I did not make any purchases and was at work at the time these purchases were made ) Called vanilla customer care to report the numbers have been stolen and was given case # XXXX and that I would receive a packet from vanilla and that after filling it out, send it back and then it would take 45-90 to resolve my case. ( Have not recieved anything yet ) XX/XX/XXXX filed a complaint with tbe FTC, XXXX XXXX XXXXXXXX Went to XXXX the place I purchased the card from and was told by management and corporate to make a police report as well. I contacted the XXXX Missouri Police Department and filed a police report. That police report number is # XXXX. XXXX XXXX, XXXX, took the report. Also filled out a XXXX complaint too. 
Called Vanilla back to update my case with the other 2 filings I made. Waiting for any kind of communication or whether this " packet '' actually arrives in the mail. 
XX/XX/XXXX, filed a complaint with the FBI Internet Crime department as well. I have all the proof needed to answer any questions you may have for me. I was almost evicted because of this entire issue and it never should have happened to begin with. Im also out an additional {$70.00} in late fees from being late to pay rent for XXXX and i missed 2 days of work to file all these complaints.