23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$74.00}
Product: Mortgage

My mortgage is serviced by XXXX XXXX XXXX and they foreclosed on my property on XXXX. The last mortgage statement from XXXX, I owed {$92000.00} at the time of the foreclosure. My property sold for {$130000.00}, so there is a sizable overbid available. XXXX has refused to issue their final lien amount to the court, even though many requests have issued regarding this. I have an attorney representing me on the overbid claim... it is clear that XXXX is stalling to try and over collect on the balance due. They are trying to strip away the equity left that is due to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since Experian prefers to have multiple federal investigations opened on their incompetence in protecting consumers that will ultimately result in a substantial lawsuit against them, the following consumer statement is requested to be placed with the fraudulent credit card account that was reported to Experian, as well as local, state and federal law enforcement after my identity was stolen : PERSONAL STATEMENT TO BE ADDED TO XXXX ACCOUNT LISTING : *Submitted Police Reports prove that this account is fraudulent.
Product: Vehicle loan or lease

I applied for SCRA protection / benefits on my Capital one auto loan. Capital one did correctly backdate the reduced intrest rate from over 17 % down to 4 %. The law requires it be dropped to 6 but Capital one is generous in giving a 4 % rate. However my payment was not reamoritized as required by the SCRA of 2008, the payment at 4 % is equal to the payment initially contracted at 17 %. My payment remained at {$320.00} they forgiven intrest however is being applied directly to my principal balance. Per the SCRA act this is not allowed and considered excellerating the principal. If the payment remained the same and they stated that they lowered the APR to 4 % then the forgiven intrest is going directly to the principal balance ( a violation of SCRA ). I  consulted with military one source and JAG and the both agree that Cap1 Auto is in fact excellerating the principal. I also never received at 45 day change in service notification to be compliant with Regulation Z part of the truth in lending act. Capital one falsely claims that the account can not be reamoritized because it was delinquent prior to military service causing a ballon payment. I should have a credit on my account after the reapplied payments at the reamoritized amount would be greater than {$1000.00} dollars Capital one has not followed SCRA guildlines and is causing hardship as well as further damage to my credit report by applying payments incorrectly.
Product: Other financial service

I was awaiting a check in the mail. I received an email stating that the check had already been cashed. They emailed me a copy of the check with a my signature forged. The person that cashed the check cashed it at ACE Express on XXXX XXXX in XXXX Texas. Prior to her cashing the check at that location she went to another Ace On XXXX XXXX and was not allowed to cash the check because she did not have an identification or drivers license. So to shorten the story she was allowed to cash my check without Id and I am still waiting to receive my money as well as speak with someone with Ace.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccurate information on my credit report with transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX, XXXX, and Transunion on XX/XX/2023 about a few items they are inaccurately reporting on my credit report. I have disputed these accounts with the credit bureaus and directly with the creditors multiple times all of which was not properly investigated by the credit bureaus and the items remained on my credit report. 

The accounts that were recently disputed were : XXXX. XXXX XXXX XXXX. XXXX OF XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX All 3 credit bureaus are reporting different dates for the date the accounts were opened, the dates the accounts were last active and the dates of last payment. All of these dates are inaccurate. I am entitled to an 100 % accurate report. All 3 credit bureaus should be reporting the exact same information accurately.
Product: Credit reporting or other personal consumer reports

I sent in a Debt Validation letter and Method of Verification letter to TransUnion for an inaccurate account reporting on my consumer report. TransUnion failed to do a thorough investigation for the accounts listed below. TransUnion also failed to send me the methods of verification used to validated this account. Which is a violation under 15 U.S.Code 1692g Validation of debts and under FCRA section 611 ( a ) ( 6 ) and ( 7 ). Validating debt on consumers report is a violation under 15 U.S Code 1692f for unfair practices. My first Debt Validation was mailed XXXX, 2024 to TransUnion.TransUnion instead of doing a investigation and verifying if the debt is accurate they updated the information so it stands on my report longer which is a violation. These accounts report on my report at least XXXX times or more. I provided proof showing the inaccuracies on these accounts from dates, limits, balances, and payments made were all INCONSISTENT and DIFFERENT across the credit reporting agencies. TransUnion them self sent proof of the verifying these accounts as OPEN with a PAST DUE BALANCE which is another violation of 15 US CODE 1681 ( b ) Reasonable procedures. Which states that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Lastly, I never gave written consent to have any unauthorized or negative accounts to be reporting to my consumer report these negative accounts are affecting my credit worthiness and financial reputation under 15 U.S. code 1681 ( B ) ( 2 ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card

On XX/XX/year> I noticed that my USAA credit card now had a new debit balance even though I paid the full account balance by the previous due date. There was no activity shown on the account after my payment was made that brought the balance to XXXX  before the past due date and all of the sudden the account had a negative balance. I started a chat through the USAA website asking why there was a negative balance and the chat associate provided the accrued interest fees that were still adding up on the account which was causing the negative balance. I then asked why interest was being charged after the account was paid in full by the due date since the policy provided by the chat associate stated no further interest would be charged if the account was paid in full by the previous due date with no additional charges. They were unable to provide an answer but didnt give me a credit to offset the interest charged. If this is how the USAA credit card interest system works then I am very worried that past interest was charged incorrectly especially since they couldn't provide an answer as to why this happened other than just offering to submit a complaint on my behalf. Please see additional information below : Credit card statement issued XX/XX/year> : Balance : {$1900.00} Due Date : XX/XX/year> Credit Card activity after statement issued on XX/XX/year> : XX/XX/year> {$1900.00} Continued accrued interest still being charged provided by USAA chat associate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

XX/XX/XXXX I attempted to open an " American Express for XXXX '' prepaid card. During the initial opening, the address on my drivers license differs from my current address. The verification process failed and the card was closed. Unfortunately, I loaded the card with {$500.00} dollars during the initial sign up. To complicate matters, I used XXXX different credit cards to load this {$500.00} dollars, of which only XXXX is currently active. I have called and spoke with customer service XXXX a XXXX times since XX/XX/XXXX and have spent hours on the phone attempting to resolve. Each time I have been told I will receive a refund to the credit card still active. I have yet to receive any funds. American Express has held my {$500.00} dollar 6 months and I am beginning to feel as if I will never receive a refund.
Product: Credit card or prepaid card

I applied for a Credit Card with SunTrust Bank on XX/XX/2019 and Them was sent a letter on XX/XX/2019 saying they could not approve my card because they could not verify my address on XXXX. 
I have lived at this address for over 5 years and my equifax has my address listed also. I have a provided a copy of my Drivers License. 

SunTrust never requested further documentation from me to provide any type of verification that just denied me. 
Now that I have provided verification I would like my application processed. I would like details on Suntrust process and procedures according to federal laws on how they review and process credit card applications. I hope I am not being discriminated against because of my address
Product: Credit card or prepaid card

The XXXX XXXX XXXX XXXX IL charged me {$1500.00} without authorization, will not and have not provided a bill for the {$1500.00}. Also, the {$1500.00} amount does not show as a payment on any of XXXX XXXX XXXX accounting records provide to me. 

I filled a dispute with Discover Card and they investigated it, the XXXX XXXX XXXX did not provide authorization proof or bill showing what the charge was for to Discover Card. Later Discover Card told me over the phone that, I waited to long to file a dispute and they could not get the money back from the vendor so, Discover was not going to cover the cost of repaying me the fraudulent charge. 

The charge occurred on XX/XX/XXXX and I filed the dispute on XX/XX/XXXX. Discover Card validated the XXXX XXXX XXXX fraudulent charge on XX/XX/XXXX, telling me that the XXXX XXXX XXXX had informed them it was a valid charge without providing any proof. 

In addition, Discover Card informed me that I could file a dispute up to 5 years from the charge and I filed 9 month after the charge was made.
Product: Credit reporting or other personal consumer reports

TRANSUNION - HARD INQUIRIES.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these hard inquiries on my Transunion credit report ( above ) are fraudulent. Someone has been using my information. According to Fair Credit Reporting Act 15 U.S.C. 1681-1681x & FCRA Section 605B, it is illegal to report information on my credit report without my permission. I would like said inquiries removed from my credit report now and would like to see updates to my credit report within 24-72 hours.
Product: Debt collection

XXXX   XXXX   XXXX  bought a debt fro m Citibank Best B uy which was from Identity Theft which a relative of mine opened without my permission or knowledge. I disputed the account from the original creditor in  2015 . Now  XXXX   XXXX   XXXX  will not stop trying to collect on a debt from Identity Theft. I have provided them with a FTC Identity Theft Report. I have also requested then to send me all paperwork regarding such account but they refuse to send.     I am a victim of Identity Theft, this debt is not mine!
Product: Credit card or prepaid card

I have not received a statement for this account in over six months and they have not attempted to call me to advise the account as past due. I have advised them i was not getting any statement via mail or email. I have checked with my postal service as well as check all folders in my email to make sure that i was not switch to email statements. This account has now been reported and threaten for attorney.
Product: Mortgage

I lost my income because I got XXXX, so I applied with Wells Fargo for a loan modification, they denied it the reason I could afford it ; they said my income is high. At that time I had to go to the hospital so my income went down, they said so long I have change in income I could apply again, so I did it, they denied it again the reason the same as before, which is not true, without any other explanation, I believe the real reason of the deny is the house mortgage is much less than the market value of the house, they will be in better situation if they foreclosure Loan No. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint comes forth and I write this note to address an issue that leaves me in total confusion towards the actions of your Experian. I received a dispute response from them stating that I did not send supporting documents to my dispute of Identity Theft, yet not only did I send this information via certified mail on XX/XX/2021, I sent the same and an update of my FTC Affidavit on XX/XX/2021 via the CFPB direct portal, despite my initial appeal directly to them and my follow-up from this federal mitigating agency they continue to re-victimize and make this situation haunt my personal life.
Product: Credit reporting or other personal consumer reports

This is my second request to dispute particular data in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've conducted or approved in order to obtain goods, services, or money. Please remove the items listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I am currently making monthly payments to Credit Acceptance for a car loan, in a duration of 4 months. I purchased the car in XX/XX/XXXX, and made a XXXX dollar down payment, with the vehicle costing a little over XXXX dollars. My monthly payments are XXXX dollars, and I learned that the value of my XXXX Chevrolet Cavalier, was only worth a little over XXXX dollars in XX/XX/XXXX, as a book value. Meaning, that I was overcharged by Credit Acceptance as well as the car dealer. This will result in a legal court case if I am not compensated.
Product: Debt collection

I received a final bill notice from XXXX XXXX in XXXX and XX/XX/XXXX. 

When I spoke to a representative at XXXX XXXX I was told this bill originated from a request to turn on gas in an apartment in Rhode Island beginning in XX/XX/XXXX. 

I lived ( and still live ) in XXXX, MA and did not open a XX/XX/XXXX account in the XXXX, Rhode Island address. 

I never authorized anyone to open a XXXX XXXX account in my name for the XXXX, RI address. 

I contacted the company twice by phone call in XXXX and XX/XX/XXXX to report this but I never received help for this issue. 

I contacted the company twice by mail to fight this account being charged in my name as well during XX/XX/XXXX. 

As of now, the account is in collection for {$110.00}.
Product: Credit reporting or other personal consumer reports

I have tried disputing on Credit report and contacting company directly, however fraudulent credit account is still present. The amount isnt the problem its the fact the existence of the XXXX XXXX account which does not belong to me keeps effecting the quality of credit available to me. It needs to be removed asap or I will start exploring my legal options.
Product: Debt collection

My husband and I decided to try apply for a mortgage. We had our credit history and we saw that a bill went to collection. 
I had only one bill ever go to collection, and I had to call the collection company and request for a letter of resolution. 
I sent this over to the mortgage facilitator but they insisted that I had another bill with another collection company, and told me to call " XXXX '' on XXXX. He works with Receivables Management Partners. 
On XX/XX/XXXX, I called XXXX requesting to know the origin of the bill, and why I had never received any written notice ever before. He insisted I did but I ignored the notice. I then asked if the bill information and statement be sent to me in writing again because I never received any information before, and he expressly said NO. He insisted the bill was from " XXXX XXXX XXXX '' On both occasion XXXX attempted to persuade us to make payments over the phone and expressly REFUSED to send any more information. 
On XX/XX/XXXX, I called XXXX XXXX XXXX, and they said I had settled all the bill I owe them. They are willing to send me a XXXX statement balance. 
My husband called XXXX again, He insist the bill " Might '' be from the health insurance company I used for my XXXX. This health insurance company has since gone out of business. He also will not provide a written statement upon my husband 's request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2019. I have read enough to understand my rights. The Experian Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/year>, {$430.00} I believe someone made an online account using my name and information and have stolen my identity and phone number