23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Any deposits over {$500.00} are either my pay from XXXX non-recurring money we have borrowed from family to help us get by due to the baby and medical bills. 
You keep asking us for the same documents we have sent and re-sent and re-sent again. 
You ( Cardinal Financial ) told us that if my mom, XXXX XXXX, quit-claimed off of title she didnt have to sign anything or supply any documents, yet you just sent me a letter dated today asking me for all of my moms documents. It was not small task to get her removed from title during a pandemic with a XXXX XXXX ( XXXX hours away, each way ) and you were the ones that told us to do it so she would not have to be involved. 
She does not live with us. She does not pay our mortgage, she co-signed with my now-deceased father to help us buy the house. 
The ONLY source of income is from my job at XXXX. 
I implore you to please review the documents and if you need anything FURTHER than the attached, we will supply it to you in short order. 
We have sent you EVERYTHING YOU HAVE REQUESTED MULTIPLE TIMES. PLEASE ASSIGN SOMEONE NEW TO OUR FILE SO IT MAY BE REVIEWED IN A TIMELY MANNER. 
Thank you, XXXX XXXX and XXXX XXXX
Product: Mortgage

I sent a check for XXXX check # XXXX. Was my loan balance. Sps company managing loan destroyed check check was dated XXXX.They told me i needed an pay off amount. They sent me a pay off amoumnt of {$40000.00}. That was good until XX/XX/2021. I sent another check for {$40000.00}. And it was delivered on om XX/XX/2021. I have a mail recept that check was delivered on XX/XX/2021 AND IT WAS DELIVERED TO PAY OFF DEPT. SIGNED BY XXXX XXXX.As of today I have not heard anything from SPS.
Product: Credit reporting or other personal consumer reports

I was communicating with Sallie Mae when I was unable to make payment for a few months. It was not communicated that late payment history would be reported during those calls. The accounts are all current and paid in full at this time.
Product: Checking or savings account

On XX/XX/2021 I logged into my Venmo account to find there had been nearly {$500.00} in fraudulent online charges made on my account. I immediately contacted Venmo to cancel them and was told I had to wait until they were no longer pending. I immediately contacted the vendor after I searched for them on google and requested the charges be reversed but was unable to reach a human. 

The charges have been reversed and yet my account is still frozen so I am unable to pay and receive payments such as child support. I have reached out via chat but keep getting told to wait for an email that never comes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Companys are report false information to my credit report, my biological mother has the same name, my aunt has also used my name, I cnt afford to hire a lawyer. False information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm looking at my credit report and I see an account being reported by Victoria Secret/Commenity Bank . This company is reporting this account as a collection or charge off and I have never been sent a 1099-C regarding this alleged balance. The FCRA requires that companies obtain written consent before reporting negative information about me to a credit reporting agency. This did not happen. I have never given this company permission to report this information on MY consumer reports. I demand to see proof that I have. I also demand to see the original agreement specifically pertaining to my consumer rights. In addition I demand to know if there was insurance on this alleged account and if the company wrote this off as a tax write off. The notes on my report say it was sold, I never gave them permission to sell any of my personal information I demand to know what company this was " sold '' too and for how much. This account has caused me to repeatedly get denied credit and has caused emotional stress and trauma.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of Method of Verification Requests were ignored by the company since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The Experian and XXXX 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$59000.00} - tied up
Product: Debt collection

On XXXX XXXX, 2016 I reviewed my credit report and noticed accounts that I do not recall. These accounts claim that I owe Wakefield and Associates. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting specific information regarding the accounts they claim I owe them. On XXXX XXXX, 2016 I received a verification letter from Wakefield and Associates. They did not respond according my validation letter. I am requesting that they provide specific information regarding the accounts they claim I owe them.
Product: Credit reporting or other personal consumer reports

After going through my credit profile I had saw quite a few inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX {$40000.00} XXXX   XXXX {$3800.00} XXXX XXXX {$6300.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX   XXXX {$40000.00} XXXX XXXX XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to rent apartments at three ( 3 ) different complexes and was told that SafeRent reported I have an eviction. I am XXXX XXXX XXXX and have only lived in one place, where I was residing the time of application. I checked with XXXX at XXXX XXXX, which was my landlord at the time for the previous 5 years and confirmed they had not reported an eviction. 

SafeRent has not provided my personal report for either of the 3 denials. This occurred over 9 months ago. I have submitted requests for this information. 

Thanks you for your assistance with this matter as my report clearly contains inaccurate information,
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATION OF FCRA VIOLATION OF FCRA VIOLATION FCRA 15 U.S. Code 1681i Hey good day the credit bureaus has Exceeded the 30 days to do an full and thorough investigation on the inaccurate information being reported on my credit report the bureau failed to provide the full information on the investigation of the inaccurate accounts along with the contract agreements with my signature and proof that the inaccurate accounts being reported belongs to me. ( Account listed below ) : Inaccurate Accounts : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX Account number : XXXX THIS IS AN VIOLATION UNDER THE FCRA AND DEMAND THAT THE TWO BUREAUS REMOVED THE INACCURATE ACCOUNTS OFF OF MY ACCOUNTS IMMEDIATELY THERE VIOLATING THE LAW 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX
Product: Credit card or prepaid card

I filed a dispute in XX/XX/2020. My card was never canceled, I never received a new card and I never received the paperwork to finish filing the dispute. Since XXXX I have called customer service at least 10 times ... each time being put on hold anywhere from 2-4 hours. I can not log in to my account online on the website or the Way2Go app because the security picture and name do not match the ones I chose for my account when I registered. It matched ONE time, and it has been something different every other time. I have called multiple times, never resolving the issue. I finally received a new card in the mail, but I STILL can not log into my account and STILL have not been able to file the dispute from XX/XX/2020. I received 5 monthly statements that I requested because I have not been able to log into my account to look at the numerous charges that I did not authorize. I am at my wits end with this card because I cant seem to get anybody to help me! It says on the website that if the security image and name do not match the ones that I chose for my account, not to log in ... .and to call the number on the card. I have done that so many times! Nobody seems to understand what Im talking about or to be able to resolve the problem! I have tried clicking forgot username and setting a new one with a new security image and name, but it is still NOT THE ONE I CHOSE!! Every time I try to log in, it has a random security image with a name that matches the image ... .but NOT the one I chose for my security image!! 
Also, when I have called customer service quite a few times they ask me for my full social security number AND the password for the account!!!! I feel like something is DEFINITELY not right with that! I have NEVER had anybody ask me for my full social security number AND the password for my account! I appreciate your help in this matter!

Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just found out that my credit score are getting lower and lower. When I saw the history these credit beureus are allowing hard inquiries and tons of soft inquiries on my file without my consent. Ive got tons of mails offering from Bank credit card companies, because they access my account without my permission.
Product: Debt collection

This is a complaint from XXXX XXXX against Designed Receivable Solutions for Designed Receivables failure to provide requested information for the debt alleged. Designed Receivable Solutions have been reporting a negative line item on consumers credit report that is unrecognized by consumer. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 

On XX/XX/XXXX, consumer submit a CFPB complaint after receiving no response from Designed Receivable Solutions. Designed claimed to have not received the letter in a response to the complaint on XX/XX/XXXX, so a second letter was sent on XX/XX/XXXX. On XX/XX/XXXX, consumer received a letter from Designed claiming to show validity for the debt, but it did not provide the requested documentation, including a chain of title showing ownership for this debt. 

Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit card or prepaid card

on XX/XX/2017 a $ XXXXwas billed to my credit card account with Barclaycard XXXX. XXXX XXXX DE XXXX from a company called XXXX this transaction was 1- unauthorized 2- the credit card failed to provide me the original sales draft as they indicated in there letter to me dated XX/XX/2017 3- I did not use any service from XXXX 4- I did not authorize XXXX   to charge my account 5- My credit card was stolen and I advised the credit card company to that effect and they sent me a new card but they failed to disallow the unauthorized transaction. 6- I did not singe any document authorizing this transaction 7- this transaction was a clear violation to the terms and condition between me and the credit card company. This transaction was a clear FRAUD that the credit card co. failed to STOP. 8- After I complained to them they credited my account with the disputed charge but after 2 month they charged my account with the same charges again? I am XXXX years old and totally XXXX and the credit card co. discriminating against me to my age and XXXX. please help me. thank you.
Product: Debt collection

The debt is regarding a rental car damage that does not belong to me, with XXXX XXXX XXXX XXXX. The car had insurance and the damaged was caused by another party not me. The incident was reported and resolve by insurance company. This collection company is trying to get money from me that I do not owe. I rented this car for third party that already resolve this matter.
Product: Debt collection

The company has sent multiple threatening letters indicating various grave consequences and presenting information in misleading ways. A previous letter they sent said failure to address a debt could lead to imprisonment. In their most recent letter, they state that they have no obligation to validate the debt as I requested in a letter to their office. I also informed the debt collector that the debt was most likely already out of the statute of limitations since the original judgement was made in 2004. They responded that debts can be valid for up to twenty years without confirming or denying whether the debt was ( 1 ) valid and ( 2 ) not outside the statute of limitations. They also claimed they have collected nearly 2k in a previous wage execution but I have no record in my bank accounts of any such action or event taking place.
Product: Credit reporting or other personal consumer reports

After going through my credit report, I found accounts listed that are currently tied to ongoing litigation. Since these accounts are still unresolved, their inclusion is harming my credit profile in an unfair manner.
Product: Credit card or prepaid card

secure american express employees have been holding over five hundred dollars of my money now for over a month and every time i try to call them i get hung up or placed on hold and when i finally get someone on the phone they say they have not gotten my documents when i have emailed them to them twice and faxed it once and also had technical support upload them once for me yet they continue to say they have not recieved them. and when i originally contacted them about the issue when the charges were still pending they wouldnt stop the charges from going through and now im struggling to get my money back and keep being mistreated and ignored and lied to by the staff.
Product: Credit card

Ive been trying to close my account for months with Revi Card. They continue to charge fees and will not close my account. 
On XX/XX/23 I called and requested the account be closed then XXXX refunded me money back to that account afterwards in the amount of XXXX on XX/XX/23. Ive literally spent HOURS on the phone with them trying to get my account closed and they will not close it and they continue charging my account a monthly service fee. 

Also I spent 1 hour and nine minutes in XXXX on the phone with a supervisor named XXXX who said the issue was resolved and they mailed me a check, yet I havent received it and they continue to charge fees to my account and keep telling me its closed.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my information to apply for lines of credit, home loans and car loans, it is bringing down my credit score and becoming harder for me to build credit. I do not believe i should be punished for these unauthorized applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect previous address listed for me in Indiana that was reported on XX/XX/XXXX. I have never lived at that address. The address belongs to an exhusband who was unable to be located for divorce proceedings and who unlawfully used a credit card of mine in California in XX/XX/XXXX that was reported and funds were received back into my acct. Please remove this address from my credit report.
Product: Student loan

I was previously a student at XXXX university graduating in XXXX. I received a lawsuit from XXXX XXXX trust XXXX in XX/XX/XXXX which I ended up settling with and paying. Now that I look back I do not have any substantial documents regarding my loan or payments to XXXX XXXX. I am reading on the new laws and what has happened in recent years in regards to borowers being duped and having no proof of these loans. Am I eligible for a refund of what I paid XXXX XXXX? I actually settled with a law firm called XXXX XXXX XXXX XXXX on behalf of national collegiate.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 few Personal credit card accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to First Tech FCU which is reporting a charged off account of in the amount of {$23000.00}. XXXX XXXX reporting a charge off account for amount {$23000.00}. Another XXXX XXXX is also reporting charged off account in the amount of {$51000.00}. I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. My credit score had suffered from this glitch. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed : Datafacts - XXXX 2016 Datafacts - XXXX 2016 Datafacts - XXXX 2016