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

Would like my fraud alerts removed
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance Owed : {$890.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To Whom it May Concern, I recently refinanced with the XXXX. They sold my mortgage back to Bank of Oklahoma ( BOKF ) overseen by XXXX. I was told by XXXX XXXX not to make any payments until XXXX 2015, in which I followed his direction. On XXXX, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ), who provides our Homeowner 's Insurance. The letter stated that our coverage was being terminated in full as of XXXX. I called XXXX who confirmed that a payment was received that day, XXXX/XXXX/15. XXXX informed me they requested payment XXXX from BOKF as we trust them to oversee our escrow account. BOKF made excuses that their office moved from Michigan to Ohio, and stated they had sent a letter to XXXX informing them where to send payment request. All of this finger-pointing needs to be addressed. While my coverage was n't actually terminated, it did cause great, unnecessary stress in my life. To make a payment one week before termination is completely and entirely unacceptable. I will be refinancing ( again ) and will insist on a clause that our mortgage will not be sold to BOKF or XXXX. Please do not let them get away with these actions, or lack thereof. 

Thank you for your time. 

Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$1400.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$79.00} XXXX  XXXX XXXX {$52.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$55.00} XXXX  XXXX {$22000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX XXXX {$590.00} XXXX XXXX  XXXX {$970.00} XXXX XXXX {$43000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have renters in my home who thought they would need some extra time to pay the lease due to Covid ; this was in XXXX, 2020. I called the mortgage company to ask about the terms of deferment. I asked them to send me the paperwork so I could look it over. At no time did I agree to go into deferment or ask to be put into deferment. I simply asked for information. 

I received the papers which stated I was to sign and return ; I did not submit any documents to go into deferment. My tenants continued to pay on time, so there was no need to go any further. 

In XXXX, 2020 I had to purchase a car, and learned that Dovenmuehle Mortgage, Inc. had put me in deferment without my consent. 

I had not missed any payments, nor been late - ever. 

I called them and they said that it was not on my credit report, but I have the paper work obtained from my loan broker. In addition, creditors did not want to extend credit to anyone who is in deferment so it was extremely difficult to find a creditor. As a result, my interest rate on my car is extremely high. 

The damage is done, at this point and there seems nothing I can do to reverse what it's done to my credit rating.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is reporting on my credit report at Transunion i have and account with them from 2017 as an authorized user. i do not have and account with them.
Product: Prepaid card

ON XXXX XXXX COMPANY RUSH CARD DID A SOFTWARE UPGRADE AND IN THE TRANSACTION PROCESSING SYSTEM DID N'T GO AS PLANNED CAUSING MY ACCOUNT TO SHOW XXXX BALANCE AND I HAD NO ACCESS TO MY MONEY I HAD ON THE RUSH CARD WHICH MEANT I WAS UNABLE TO PURCHASE FOOD, I COULD N'T PAY MY CAR PAYMENT, PAY MY BILLS WHICH CAUSE SOME TO BE LATE AND ADDED LATE FEES WHICH I WILL BE RESPONSIBLE FOR NOT RUSH CARD, AS OF TODAY XXXX/XXXX/2015 SOME REMAIN WITHOUT ACCESS TO THEIR MONEY MORE THAN A WEEK AFTER TECHNICAL PROBLEMS FIRST BEGIN THINGS ARE STILL NOT RIGHT AND THINK RUSH CARD SHOULD BE HELD RESPONSIBLE FOR ALL THE PAIN THEY HAVE CAUSED ME AND MILLIONS OF OTHER USERS ... THANK YOU!!!
Product: Debt collection

Ally Financial at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been reporting inaccurate information on my account. On XX/XX/2021 XXXX investigated my dispute and deleted this information from my credit report because there were fraudulent charges made and the credit limit and/ or high balance are/is incorrect.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries and request that they be removed. 

XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Navy Federal credit union gave credit while they were doing and investigation on a claim/dispute that I had put in, I never got any information until i followed up with them and the told me the charge was denied and I would have to pay the money back on the XXXX of XXXX. So I paid them off because I knew I had some ACH coming out of bank account because it around XXXX time and my car payment is automatic withdrawal. I lost my job last year due to a merger and money is very tight and I am struggling g to keep my car because I am 2 months behind. the XXXX came and when global financial tried to deduct the, money from my account it did not go through. NFCU to the amount that I paid and they told me that they were doing to cancel the reversal. This started a spinn of downward affects. My car is gone and the XXXX present that I was suppose to get they did not get on XXXX day. of course I argued with them and they charged me an overdraft fee for everything that tried to get money from my account. This company just charged me {$29.00} overfdratft free fpr a {$4.00} items. Im so sick of this company and their fees. I thought having a credit Union and building a relationship with the bank would help me but they are charging just as money i am putting in.
Product: Mortgage

On XXXX XXXX, XXXX, my automatically withdrawn monthly mortgage payment, to Wells Fargo Bank, was made. With this payment my mortgage balance was reduced to {$150000.00}. This reduced my balance, on my home valued by Wells Fargo 's own appraiser at {$200000.00}, to XXXX % LTV. I requested in writing the removal of PMI from my account because my balance was less than XXXX %. On XXXX XXXX, XXXX, Wells Fargo responded to my request by arbitrarily reducing the value of my home to {$170000.00}. They did this without an appraisal of any kind and they did it for the sole purpose of being able to continue to charge PMI on my account. This {$170000.00} figure is less than the amount of my original loan, XX/XX/XXXX, and is far less than their own appraisal of {$200000.00} which was made after I had added over {$40000.00} worth of improvements. 

These people have blatantly failed to comply with the requirements of the Homeowners Protection Act.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16.81i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that I marked as inaccurate : 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, credit repair services, or other personal consumer reports

I do not understand why this company has pulled my credit report twice I never authorized them to pull my report I never applied for anything through them SANTANDER CONSUMER USA XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX   XXXX, TX XXXX ( XXXX ) XXXX SANTANDER CONSUMER USA XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Debt collection

Acct # XXXX {$1300.00} Acct # XXXX {$690.00} Despite my prior disputes with both XXXX XXXX Bank the original debtor, and XXXX XXXX, tried to collect the debt and LVNV Funding is reporting that it's there debt, this account continues to be reported on my credit profiles each month. LVNV Funding LLC is still reporting. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the removal of inaccurate or outdated information from credit reports. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), you are prohibited from reporting this debt if it is inaccurate or invalid, as determined by the original creditor. The original creditor XXXX XXXX has agreed to delete those accounts, and it should no longer be reported by any third party. This a violation of my consumer rights.
Product: Credit reporting

TransUnion will not report my perfect payment history of my XXXX home loan # XXXX, according to XXXX XXXX of XXXX, until a mysterious TRANSUNION employee named " XXXX '' refuses to let XXXX reinstate my home loan trade line on TRANSUNION until I sign a letter she will write for me, then I will return this letter to XXXX and they will forward it to TRANSUNION and then and only then will TRANSUNION allow my perfect payment history to show on my credit report. 
I have called TransUnion many times since XXXX XXXX of XXXX told me this story last week. I was not given a letter to sign. I wrote my own letter begging to have my home loan reporting correction on my credit report and I posted this on twitter via private direct message to both XXXX and TRANSUNION. 
Please help me and my autistic son. We are ruined financially until the correct and true information shows on my credit report. I do n't know if there is a XXXX. Both XXXX and TransUnion have refused to give me any information about her. She has not made any notes on my file that will help us find her. If she exists, she is holding my credit score hostage. If she does not exist, XXXX is making serious false accusations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX  XXXX, XXXX ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX, and XXXX CHILD SU XXXX have violated my rights.

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 an account without my written instructions.
Product: Checking or savings account

related to complaint XXXX XXXX, now they have messed up my XXXX XXXX, after XXXX cards being issued, finally got on that worked. XXXX worked XXXX. yesterday and today, it no longer works. When I look online or mobile banking the Debit Card no longer shows up on my account. What are they doing to me. Tried calling specialist that called me, says I am not authorized to call this # XXXX XXXX XXXX ext. XXXX. I can't live without being able to access my funds. How is BOA allowed to get away with this.
Product: Credit reporting or other personal consumer reports

So, on my credit report, there is a XXXX XXXX XXXX account that is showing that it is 60 days late, and this is false. The billing cycle for the credit card is as follows : the due date for the account is the XXXX of the month, and the closing statement date is the XXXX of the next month. For example, the last due date on this credit card was XX/XX/year>, and the closing statement date was XX/XX/year>. Now I made a payment on the account on the XXXX of XX/XX/year>, and I have attached a copy of my bank statement to prove this. On the XXXX of XX/XX/year>, I see on my credit report where XXXX is reporting that my account is 30 days late, and this was false, and then today, XX/XX/year>, when I am looking at my credit report, it has been updated, saying that I am 60 days late on this account. The next due date on this account is XX/XX/year>, and the closing statement date would be XX/XX/year>. So why are they reporting false information on my credit report? So how can they be reporting an account late an addition to 30 days when the due date and the closing statement date have not passed or arrived as yet? This is a clear violation of my rights under FCRA and ask that this account be deleted and or updated to paid as agreed and remove the late payment from my account. Kindly see files attached with official complaint against discover.
Product: Credit card or prepaid card

I opened my Sony Visa account with XXXX XXXX in XX/XX/XXXX and have maintained it in good standing ever since. It was recently brought to my attention that someone had possibly taken over my account by adding authorized users who I did not know. I had contacted XXXX XXXX and they placed a hold on my account. In the meantime, I received a card from Comenity Bank saying that they were purchasing my account. I only received one card, so I assumed that the issue with the additional authorized users had been resolved and the new card number was the replacement for the card number that had been compromised. I activated the card on with Comenity when I was able and registered with their website. The account showed that my available credit was {$0.00}. I contacted their web support and was advised that my account was closed. I called again today ( XX/XX/XXXX ) and was advised that my account had been closed by XXXX XXXX and that it did not qualify to be reopened. I had been using my account as recently as XX/XX/XXXX and was given no notice by XXXX XXXX that my account had been closed. I have managed the account for nearly 5 years in excellent standing, yet the sale of the account from one bank to another appears to have lead to my account being closed without reason. I want whatever happened in the conversion to be fixed so that the account I had at XXXX XXXX is the same account at Comenity. I want Comenity to carry the open status of my account from the previous issuer to their system. Their lack of conversion expertise that caused my account to be closed in their system is unacceptable. I would attach a screen print of the account reporting from Comenity, but they have not reported my account in any status since they purchased it.
Product: Checking or savings account

I have been charged {$68.00} in fees, my accounts current balance is {$67.00} making this balance all fees. Because I have {$50.00} that was deposited to my account and reflected in my balance as part of the available funds. I have been charged two fees for a purchase of XXXX and another of XXXX. I made these purchases because my banking reflected the fund available. I am told now that the funds hadnt technically posted so they charged the fees. If not posted it should not reflect as available causing me to go over my balance and accrue fees I have worked so hard to avoid. I am asking that both fees be refunded.
Product: Payday loan, title loan, or personal loan

I have a loan with Lightstream ( a division of Suntrust Bank ) that Ive been paying on for over two years and never late. The monthly payment is {$620.00}.

When COVID hit, Lightstream offered deferred payments in an effort to help. At the time, it was not informed that this so called help would require me to make a final payment of more than 8 times my regular payment. I was struggling financially because of a reduction in income so I accepted. I deferred 3 or 4 payments in XXXX. Then, I noticed that when I resumed payments, my balance wasnt going down. All of it seemed to be going toward interest. So fine, after multiple payments my balance started to go down again. 

Then, I received an email from lightstream on XX/XX/XXXX stating : Your deferred payment ( s ) along with interest accruing on a higher balance will result in a balloon payment, or a final payment larger than your current monthly payment amount, and will be due by XX/XX/XXXX So I log on to my acct to discover that my final payment is no longer {$620.00} but {$5400.00} Thats insane. How is this helping during a pandemic? This is predatory. Thats more than I bring home in a month and I would have never accepted a deferment if I knew this. So I was struggling before and now that things are better, Lightstream has made sure I will be struggling in the future.
Product: Debt collection

Hello and Happy New Year! I received a review on my credit report when I took out a loan for my son. It's showing that XX/XX/XXXX they have this account, and this account was written off by XXXX and I received a letter stating it was written off XX/XX/XXXX so why is this reporting that the account was in collection as of XX/XX/XXXX. They re-aged the account incorrectly on my report. Also on my credit report they have the account number as XXXX and I don't have any record of this account number. I would like the open date fixed to the correct date or they need to remove this false information from my report with their company since I have no record of doing any business with them Also, on XX/XX/XXXX I spoke with XXXX, and they were sending me a 1099C form removing the balance owed so how is this account now with a different company
Product: Mortgage

XXXX XXXX and household finance co .owner of this company deed is XXXX XXXX XXXX XXXX ga ..deed filed 1998. 
. 
XXXX XXXX owner of property and company Also attached is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL .XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX  ga Other companies own by XXXX XXXX XXXX XXXX .all address in this text and company are own and co own by Mr XXXX I have a administratior and attorney on this estate Mr XXXX is deceased her name is XXXX XXXX XXXX # XXXX # XXXX .she has alert me that the XXXX heirs are hide .all this information from her and me and refuse too give too her the information .she need which are the deed to the company s and bank account etc .which is now pass due. 


Start with XXXX XXXX and XXXX XXXX and XXXX XXXX.