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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint addressed the XXXX XXXX XXXX to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the XXXX XXXX remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1000.00}
Product: Debt collection

This debt has been sold off numerous times and I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA continues to violated the Fair Credit Reporting Act ( FCRA ). They continue to run unconsistently report on each of the credit reports with misinformation. Account information isn't right and continues to effect me. Reports co each month which is restarting the account.
Product: Debt collection

Please remove all negative accounts that show 1 month late payment. Please remove all negative markings. Capital One is a main one with negative markings, XXXX XXXX  need to remove negative markings ASAP. I need exception ratings. I need a higher credit score now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I contacted XXXX XXXX XXXX and XXXX of XXXX XXXX dealership to apply for a car loan. The salesman at XXXX dealership said he was going to get me approved at XXXX XXXX which he did. Then he called me on XX/XX/XXXX and said that the bank made a mistake and I would have to put down {$20000.00} instead of {$10000.00} for them to reapprove the loan. And the XXXX inquiry on XX/XX/XXXX is not valid and should be removed. These below inquires should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID XXXX  XXXX XXXX obtained a copy of your EXPERIAN Credit Report. 
XX/XX/2018 XXXX XXXX XXXX obtained a copy of your EXPERIAN Credit Report. 
XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit report I came across unauthorized information reporting to my credit report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$970.00} XXXX  XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 3 fraudulent hard inquires on my credit XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called TransUnion and sent documents, but inquires were never removed
Product: Debt collection

PRA is in violation of their XX/XX/XXXX Consent order between their company and the CFPB by violating Consumers rights under FDCPA. PRA sent a collections notice on XX/XX/XXXX saying they purchased an account from XXXX XXXX XXXX and will not begin collections until 30 days after the notice unless I dispute. The FDCPA requires debt collectors to state the amount of the debt, among other things. They type of Account or An amount " Owed '' was not stated during the initial contact made with me via USPS mail. I mailed their dispute department a Debt Validation Letter stating that if they were not able to provide me with proper documentation, that they must cease collection activity. In their written response to me, they did NOT provide me with any proof of the Address on file for the alleged debtor, The original balance, The date the alleged debt became payable, The date of original charge off or delinquency, the amount paid for purchasing the alleged debt owed, the agreement granting PRA authority to collect the alleged debt, any proof or copies of any signed agreements or contractual obligations between the alleged debtor and the debt collector, any signed agreements wherein the alleged debtor agreed to pay the creditor, all statements while this alleged account was open, the name and address of the bonding agent for PRA, or the authorized signature for the creditor. They never provided me with any documentation to establish their rights to collect this so-called debt within the 30 day time frame. Their consent order specifically states they are not allowed to collect on debts they can not validate. Under the order, they must have the original account-level documents verifying a debt before attempts to collect on it when, for example, a consumer has disputed it. FDCPA, 15 U.S.C. 1692e, is clear when it states the law prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. In the era we live in today, identity theft is at an all time high and this company is known for being in violation of consumer 's rights, paying millions of dollars in restitution! They can not continue to harass people based off of the information from these alleged " sellers of debt ''. Additionally, the response they sent was clearly an AUTOMATED response because the font was different and some inserted information contained all CAPS, which can also be interpreted as a SCAM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted this information a couple of months ago. These are not my debts, nor do I have a contract with any of them. Please refrain from these companies reporting to my credit report as it's hindering me from attaining a house loan. Again, these are not my accounts so please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute information with the credit bureau and they denied my request to investigate and remove unverified information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 90 plus days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Checking or savings account

Capital one close my 360 checking account out of nowhere because I received a {$1000.00} dollar XXXX from a family member to help me with bills. They didnt let me refund my family member, they just restricted my account. Me and my family member is now out of a {$1000.00} bucks. I havent receive any check in the mail or anything. My account shouldnt even have been close considering I follow all capital one 360 guidelines. This is super ridiculous and flat out robbery by capital one. I look online and many others like myself have experience the same thing
Product: Credit reporting or other personal consumer reports

Issue started a year or more ago. The section of my account page at XXXX  that allows me to manage a credit freeze does not display current info and will not let me manage a freeze or lock it always asks me to call for help. 

This has still not been corrected. The call rep on the phone stated it was a browser issue. They state the issue will not happen in the chrome browser, it does happen in chrome as well. 

I was locked out of my account ( which is my fault ). Went to use the easy " i need help '' selection on the web page to change my password and unlock. I was then told by a screen that I would have to call and get help. When I called to get help I could not get to an actual person. The automated system wanted to verify me and then would not let me speak to anyone when it said it could not verify me. It then prompted me to " mail in the correct forms '' to equifax ( whatever those are ) and to correspond through mail. 

I had to call in again and NOT verify my phone number to even get into the call queue to get help. The automated system is TERRIBLE and does not seem to be designed to help people or mitigate easy calls. 

Also the app that equifax used to ID me was terrible, it could not see my ID card and I finally was prompted to manually add a pic of my ID. 

When able to talk to a person ( finally ), they were able to help pretty quickly and efficiently. They were also very nice. 

Summary : XXXX Website does not work properly to manage my credit freeze. 
XXXX XXXX call directing is rediculous to deal with and long winded. 
XXXX The app that equifax XXXX to verify me couldnt focus on my ID card. 
XXXX The XXXX on the phone was great.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I called to get my free annual Credit report and they are giving me all kinds of excuses and not helping with me solve my issue. 
Im experience hardship and Im trying to get a place to live. 
Was homeless for the pass 3 years And Im trying to get my life back to some what normal. 
Its incredible how they make things hard for a person to get their life back.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 

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

I did not authorize the company to run my credit, these inquiries are unauthorized inquiries
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally dispute several items on my credit report, as I am a victim of human trafficking. The accounts and inquiries listed below were opened or occurred without my knowledge, consent, or authorization while I was under the control of traffickers. I respectfully request that these items be removed from my credit report under the protections provided by the National Defense Authorization Act for Fiscal Year XXXX and the Fair Credit Reporting Act ( FCRA ). 
I am requesting that you block & permanently remove all information that is the result of this fraudulent activity and ensure that these items no longer negatively impact my credit report. I have enclosed the necessary supporting documentation, including proof of my victim status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1900.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

My card has been charged an " Optional Enhanced Debt Protection '' fee that I was unaware of and did not opt in to. When I called today to cancel it, I was told it has been on my account since XX/XX/2012. It is about {$12.00} a month ( {$0.00} per {$100.00} of balance ), so I have paid {$1200.00} to this when I never gave consent for it. This card is with Citibank through Best Buy.
Product: Credit reporting or other personal consumer reports

I need to unfreeze my credit report to apply for a loan ( or credit card ). The lender requires access to my credit report to process my application.
Product: Credit reporting

This debit was removed by the original credit grantor. LVNV began reporting the debt with a false recent date. Contacting the company did not resolve the issue.
Product: Checking or savings account

My BB & T Mobile Banking Application does not populate my correct password into the rectangle, via, XXXX 's, password manager ; and, XXXX 's password manager, does NOT, have an option to change my BB & T Mobile Banking Application 's password they have on file. Fact, BB & T and/or XXXX and/or XXXX XXXX XXXX are at fault. 

XXXX audio conversation dated XX/XX/2021, 1711 hours, parties present, Ms. XXXX and Mr. XXXX. Paraphrased events follow : ( 1 ) Envision in your mind turning on your telephone ; ( 2 ) pressing with your index finger, the BB & T online banking application ; ( 3 ) trying to type in your password ; ( 4 ) then, all the sudden, a rectangle appears on the screen blocking your ability to enter your password in like you always have ; ( 5 ) then, envision the rectangle denotes the BB & T symbol, and, the XXXX Symbol, U and G, respectively ; ( 6 ) you say to yourself, well, I don't feel well, this random rectangular interface has appeared, and I don't know what to do, I just wan na enter in my password like I always have ; ( 7 ) then, you say to yourself, ok, I'll press the auto-fill button, particular to the password ; ( 8 ) then, it fills the rectangle ; ( 9 ) then, it does NOT proceed to the next screen/my accounts ; ( 10 ) then, you say, ok, dah I dunno, I am a XXXX, I will try the " manage passwords '' option logically, instead ; then ( 11 ) you see ZERO options available for review, then you realize, the BB & T password MUST be wrong, because, the telephone did NOT proceed to the next screen, confer clause 9 above ; ( 12 ) then, you call BB & T ; ( 13 ) then, you speak with one Ms. XXXX ; ( 14 ) then, she says, it should work ; ( 15 ) then, you say to yourself, well, I better call the feds, because, I catch people EVERY SINGLE DAY, SAYING ILLOGICAL/UNREAONSBLE STATEMENTS WHEN I CALL THEM AND ASK THEM FOR THEIR HELP, PARTICULARLY, BANKS, COMPANIES, COURTS, ET CERTERA, IT'S A FACT, PAUSE, RED-HANDED.

End of message.

Note : The purpose of this complaint is to alert the authorities that ( a ) I, XXXX XXXX XXXX, am a genuinely nice man, a novice mathematician, and a life-experienced courtier, specifically, sixteen hundred plus hours ( 1600+ ) of superb legal research and subsequent work product, ( b ) a bleeding heart rhetorically, and ( c ) a man who misses his mother and father! Please make sure that ( i ) BB & T Bank modifies my BB & T banking application on my telephone so it interacts with me in a logical manner, and, ( ii ) ditto all other applications indefinitely. Last, genuinely respectfully, thank you for reading my complaint ; please help. 

Note : The BB & T Mobile Banking Application lowers the quality of my life.
Product: Credit reporting or other personal consumer reports

Hello, I recently reviewed my consumer reports and found that consumer reporting agencies are inaccurately publishing late payment ( XXXX ) on my consumer report for XXXX Account XXXX XXXX. There are a few inaccuracies in reporting this account. I have attached a document showing inaccuracies. I would appreciate a proper investigation on this account then update the payment history showing all payments are made on time as I NEVER paid this or any other accounts late. 

Thank you, XXXX XXXX
Product: Mortgage

Good afternoon, I have 4 home loans with AimLoan.com. I have always made my payments on time. I requested a 3 to 4 month forbearance just in case my tenants had any issues with paying. Everything was okay, so I requested to leave forbearance and I continued making my mortgage payments timely and have done so for 6 straight months. When the company recalculated the new loan balances after I requested " payment deferral '', I received my new statements. I called the company to go over the new loan balances and if they applied my mortgage payments properly. I noticed they " suspensed '' the mortgage payments during the 3 month process to complete the payment deferral, and I am afraid they did not properly apply these payments properly. I did get a call from a manager and he stated he would go over all 4 loans with me to see if payments were applied and new loan balances were correct. He never called me back after initial phone call. I'm afraid that this company is not processing payments correctly and I need them to send me a detailed breakdown of payments received, principal applied and forbearance payments added back in. 

I have called this company probably a dozen times over the last 4 months. I have reached out to XXXX XXXX customer service and they are trying to help. 

Please help me figure this out. I understand everyone is busy due to covid and the forbearance process, but I should be able to get an accounting of my payments to my mortgage servicer. 

Thank you in advance for your help. 

Best, XXXX