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

XXXX ( *. * ) > ******** IDENTITY THEFT / FRAUD *********, ( *. * ) >******************* _____________________________________________________________________ I AM, The Victim Of Identity Theft / Fraud ; ; As,, All Proof Of Documents Enclosed. As, I AM Responsible For, Any And All, Documents Submitted To Local, State, And Federal Law Enforcement Agencies ; As, The Following Documentation Is Included : FTC ; Police Report ; Proof Of Law Enforcement Emails ; And, Identification. According To 15 US Code 1681, inaccurate data and information must be removed and deleted immediately ; and, in accordance of US Code 1681 1602p " UNAUTHORIZED USE OF CREDIT CARDS " ; as, I DID NOT provide any lawful nor legal consent to establish the enclosed accounts. Therefore, according to Federal Consumer Law, the enclosed accounts must be deleted immediately.

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate and invalidated information, 15 U.S. 1666b ( a ) creditor may not treat any payment late for any purpose, 15 U.S. Code1681 a ( 2 ) consumer report does not include reporting information solely as to transaction or experience, 15 U.S. Code 1602p the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the card holder who does not have the actual, implied, or or apparent authority for such and from which the cardholder receives no benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account since XXXX of XXXX and the account has been verified by XXXX  and XXXX  multiple times, yet each time they have verified it, they have also altered information, amounts and dates, making the account appear as newer than it truly is. 

I have requested information from XXXX, XXXX  and Capital One Auto, requesting they provide the information they are using to verify the account and they have ignored my request every single time. XXXX  and XXXX   just keep altering the information on the report even though the information was verified as accurate in the previous dispute. With each update, they have caused my credit scores to drop significantly because of the inaccurate information they have been reporting. 

I just recently learned of the CFPB being available to report XXXX  and XXXX  to, I wish I had known sooner. I was under the impression they were consumer protectors as well. I have not been able to be approved for student loans while I was going to school and have missed two semesters since. It seems absurd they could have access to your credit and cause such damage that literally impacts you and your childrens lives so negatively. 

I have kept records throughout the process, copies of certified letters, receipt of those letters and responses in the updating that was done. The most recent response was altered again and is still reporting inaccuracies and violations. 
No Credit Limits reported Inaccurate High Credit Limits No Closed Dates Closed Dates were actually removed Date of Last Activity has been updated to appear newer Date of Last Payment has been updated to appear as newer It was not a paid collection Date of First Delinquency has been altered The Date of First Major Delinquency was updated to XX/XX/XXXX The Date of First Major Delinquency was JUST changed to XX/XX/XXXX XXXX   and XXXX have ignored my requests to provide the verification information available Capital One Auto has ignored my requests for information on this account None of the reporting agencies have provided any information on this account, yet they keep changing it after they reported each previous time the account was verified. XXXX removed the account from my report due to the inaccurate information.
Product: Credit card

On XXXX XXXX I made a purchase at the XXXX store located at XXXX XXXX XXXX, XXXX NY XXXX. There was an overcharge and the clerk canceled the initial transaction by issuing me a refund to my Visa card and ringing up the sale at the lower price. Today, XX/XX/XXXX, I noticed that TD Bank was holding fund for both charges but did not show the refund. When I called TD Bank and spoke with XXXX she said they could not do anything about this. I have an automatic debit coming through and holding both funds will leave my available balance short when the automatic charge comes through on Monday. TD Bank would not correct the error. All XXXX receipts that I have show authorization numbers which means the bank was contacted about the credit for the first charge.
Product: Credit card or prepaid card

On XX/XX/2020 I was on a plane to XXXX, as I was going to be in XXXX my Mom was monitoring my credit and saw something go through while I was on a plane, she didnt know you could buy wifi or pay my bill on the plane which is what I did and reported it as fraud thinking I was on a plane. This was corrected the second I landed and could receive text messages, the mistake was corrected yet Capital One shut down both of my cards even though I never missed a payment, knowing this would leave me having difficulties in a Conflict Zone. Their excuse was we can shut your card down for whatever reason we see fit and youve barely been a costumer for a year, therefore severely damaging my credit report and taking money out of my Mothers account unauthorised after they shut down the card and after my Mom stated she would not authorise anymore payments to them since they closed two cards, one with no issues and one with a mistake, their main reason was I was only a Costumer for about a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information on my credit report which is hindering me from obtaining credit. I mailed and called the company a letter requesting a re investigation into this account they told me the original creditor has verified this account and it will remain on my credit report. This company has been reporting this inaccurate account since XXXX I have been disputing this account since XXXX and they will not tell me how the verified this account.
Product: Student loan

Starting 3 years ago, I have tried to reach out to reach out to Sallie Mae to see how I can start settling my student loan and had trouble getting in touch with someone to help me get information on my account. In the meantime, my grandfather, who is the co-signer on the loan has been harassed by debt collectors threatening to sue him, but not giving any specifics of how much it owed or how he/I can settle this loan. 

Eventually I figured out my debt got sold to XXXX XXXX. 

Since then, I have reached out to get started on my repayment options with XXXX  only to have been lead to shady websites and broken links I even have been given disconnected contact numbers. This has been an ongoing process for about 2 years. 

I then was pointed to a credit repair service that I thought could help me get to the bottom of this situation. When I would talk to this service, they claimed that this loan was shown as being " none reported '' ( I have a downloaded PDF that reflects this ). The service was working for over 6 months to get this taken off my record but it didn't seem there was much else they could do, so I discontinued the service. According to the service, this would eventually get sorted out, it would just take time to reflect on the record. 

In the meantime, I have disputed the loan on my credit report on both XX/XX/XXXX and XX/XX/XXXX to see if I could resolve it this way both times the loan was verified as accurate. 

My complaint is not necessarily about the repair service, although I am unsure whether they've mislead me to believe this loan is not detected on my record. Instead, this complaint is about the loan company and a lack of feedback on how I can get information on this loan. This has greatly impacted my credit score, and I'd like to start getting this sorted as soon as possible.
Product: Payday loan, title loan, or personal loan

The loan company put money into my bank account which froze my bank account. Then when I tried to contact them they acted like they knew me thought it was funny and kept saying I love u. My bank account is still froze. My pay check was direct deposited into that account and I cant even touch it. So I got an eviction notice and my fines are past due so I am going to get a warrant
Product: Checking or savings account

Capital One received a direct deposit from my employer on Thursday XX/XX/year>, and as of Friday afternoon XX/XX/year>, I do not have access to my paycheck. When I finally got through to a representative on the phone, that representative was very terse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX The accounts in question are as follows : Account name : XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX, Account XXXX XXXXXXXX Account name XXXX XXXX XXXX Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX, Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX, Account XXXX XXXX Account name : XXXX, Account XXXX XXXXXXXX -- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY!

78.91
Product: Credit reporting or other personal consumer reports

I never gave written permission for XXXX XXXX to use my information for filing a report and not only that, they settled and told me they would close my account and remove from credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX ( " XXXX, XXXX '' ) WITHOUT having express written consent, from me, is inaccurately reporting a debt in collections on my credit report with a balance of {$650.00}. As of XX/XX/22 I called XXXX. XXXX and asked them to provide the original contract with the " wet ink '' signature that LAWFULLY obligates me to the account/amount, and they could not furnish any contract, OR written consent from me.
Product: Credit reporting or other personal consumer reports

Remove negative items off my credit report XXXXXX/XX/XXXX inquiry XXXX and XXXX XXXX requesting immediate removal ive been paying prescription and nothing is moving with experian.inquirys from trying to get a mortgage need them off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

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 This information is still on my report, XXXX XXXX has removed cause they was unable to verify the accuracy of the bankruptcy but the other credit bureau such as XXXX XXXX XXXX and Experian have not removed all the information. 

They also stated that they verify the information with the courts and the Court sent me a letter that they dont verify so they lied. 

Please help me with this problem
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax Information Services LLC due to significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) in my credit report. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my credit history. 

Issues Identified : 1. Confusing Comments : EquifaxXXXX report includes the following statements : " Consumer disputes reinvestigation in progress. '' " Account closed by credit grantor. '' These comments differ significantly from the ones reported by XXXX and XXXX, which provide entirely different information about the account status. 

2. Inconsistent Payment History with Blank Spaces : The payment history reported by Equifax includes : XX/XX/XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX  days late ). 
Blank spaces in XX/XX/XXXX and XX/XX/XXXX. 
Other months are marked as " XXXX '' This history contradicts : XXXX completely blank payment history. 
XXXX report, which shows a " XXXX XXXX '' designation in XX/XX/XXXX. 

3. Inconsistent Dates : Last payment : XX/XX/XXXX Last activity : XX/XX/XXXX These dates are inconsistent with those reported by XXXX and XXXX, further reflecting a lack of reliability in the information provided by Equifax. 

Laws Violated : 1. 15 U.S.C. 1681e ( b ) : Equifax has failed to ensure the accuracy and completeness of the reported data. 
2. 15 U.S.C. 1681i ( a ) : Unverifiable information, such as the contradictory payment history and blank spaces, has not been removed as required by law.

3. 15 U.S.C. 1681c : Incomplete data, such as blank spaces in the payment history, should not remain on my credit report.
Product: Credit card

Citi XXXX XXXX reported me late over a two month period. When I moved, I updated my address and the company put the wrong address. I called over five times to get my bill and they told me to just wait, its coming. I waited and waited, no bills. So I called the company to ask them where my bill was, and they finally asked to confirm my mailing address and they had wrong address. They informed me it was being returned. This is their error. They never once tried contacting me to tell me my mail was being returned. They didnt inform me of the returned mail when I called several times to check on my statement delivery. Ive been with them since XXXX  never missed a payment. They reported me late and significantly reduced my credit score over XXXX points. There are several FCRA and Reg Z violations they are violating with my account. I was so angry, I just had my wife cancel the account. This is so unfair and I ask the CFPB to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I made EXPERIAN aware of an account that was the result of fraudulent activity. They responded to my complaint by advising me that there was no action for them to take because the account did not appear on my credit report. I have reviewed a recent copy of my credit report and the account has been displaying since XXXX.
Product: Credit reporting or other personal consumer reports

I Tried to fix an account that show balance and wrong status in my credit report. I tried to open an investigation multiple time in XXXX, XXXX and Equifax. I do not received any response. I open a Fraud Alert because I see my report and I found that account. I completed an FTC report and send it again to the three mayor bureaus and again, no received any response or any letter from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered unlawful unapproved accounts on my profile report. I'm disturbed that you have included the following information in my credit profile and that you have forgotten to keep up reasonable procedures in your activities to ensure the most extreme possible exactness in the credit reports you distribute. Credit reporting rules ensure that credit reporting organizations disclose only 100 % accurate credit data. Each step should be taken to ensure that the data given is completely exact and correct. The following data should be explored in this manner. After carefully downloading my credit report from your service, I'm having a lot of trouble discovering inaccurate/invalidated accounts. Because my information was damaged by the Equifax data breach and may have ended up in the hands of the wrong person, I have no knowledge of these things or false information. You are reporting negligently and incorrectly, as well as failing to comply with the FRCA. I understand you have no legal standing as a federally protected consumer, and you can not hire a counsel to represent you against me. 
I'll seek a default judgment and launch a class action lawsuit under TILA 1640 for violations, stress, and menstrual pain, as well as at least 1 % of the company, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Product: Mortgage

First. Nationstar is in the ACT of Dual-tracking, I attached the foreclosure petition by Nationstar attorneys.  Currently  nationstar has a complete modification pending, in fact I appeal their wrongful denial on  XX/XX/XXXX  and attached. I received no written response from nationstar but they received my appeal by fax email and mail. Attached is proof of the foreclosure petition filed and served and concluding nationstar in the ACT of wrong doing by  Dual-Tracking ( Filing  a foreclosure complaint while pending modification review ) I have always had a pending application with nationstar. See attached proof!  <P/><P/> This is my  2nd  complaint against Nationstar, I have been getting wrongfully denied HAMP FHA Partial claim/combo since early  XXXX . Just denial letter after denial, I attached my most recent appeal with proof from FHA mortgagee letter XX/XX/XXXX  and supplemental directive  XXXX .  <P/> My complaints involve Numb er 1 Dual-tracking and number 2 wrongful FHA HAMP  PARTIAL CLAIM  COMBO  DENIAL. IN FACT, NATIONSTAR HAS N'T REVIEW ME EVER FOR A PARTIAL WITH ALL THEIR DENIALS SINCE EARLY  XXXX . THIS IS HRRIBLE, I AM BEING DISCRIMINATED AND NOW THE LENDER IS DUAL-TRACKING TRYING TO ILLEGALLY FORECLOSE.  <P/>  XXXX FYI ATTACHED IS THE PROOF OF THE FORECLOSURE PETITION I WAS SERVED WITH A FEW DAYS AGO BY NATIONSTAR, IT PROVES THAT NATIONSTAR IS DUAL-TRACKING, SEE ATTACHED MY APPEAL SENT AND DATED  XX/XX/XXXX  CURRENTLY UNDER REVIEW WITH NATIONSTAR. THERE SHOULD NOT BE A FORECLOSURE PETITION BECAUSE I AM IN THE MIDDLE OF A LOAN MODIFICATION REVIEW AND DISPUTE. PLEASE PROVIDE CONSUMER PROTECTION DUE TO NATIONSTAR AND THEIR ATTORNEYS FRAUDELENTLY TRYING OBTAIN JUDGEMENT OT FORECLOSURE WHILE PENDING MODIFICATION REVIEW.  <P/> AGAIN, THERE SHOULD BE NO LEGAL ACTION STARTED BY NATIONSTAR CONSIDERING THE #  1  WRONGFUL DENIAL AND MOST IMPORTANTLY MY MORTGAGE ASSISTANCE APPLICATION IN REVIEW AND APPEAL IN DISPUTE WITH THE DENIALS. NATIONSTAR IS PURPOSELY DENYING ME ASSISTANCE AND SINCE  XX/XX/XXXX PER ATTACHED  XXXX , I AM ELIGIBLE FOR FHA HAMP PARTIAL CLAIM AND COMBO. AND THE BACK END RATIO DEBT TO INCOME OF 55 % WAS ELIMINATED SO HOMEOWNERS COULD QUALIFY EASIER FOR FHA  HAMP  PARTIAL CLAIM.  <P/> FINALLLY, THE DENIAL SINCE EARLY  XXXX  BY NATIONSTAR ARE FRAUD ACCORDING TO FHA  MORTGAGEE LETTER   XXXX , IN WHICH NATIONSTAR IS A PARTICIPATE. ALSO TAKE INTEREST TO BORROWER SOLICITATION IN WHICH NATIONSTAR IS IN VIOLATION AGAIN!!!
Product: Money transfer, virtual currency, or money service

I have attempted to recover my missing funds in the form of bitcoin from Coinbase since XX/XX/2017. I have emailed them several times and spoken to their customer service and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in 2023, XXXX XXXX tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

mailed letter to TransUnion on  XXXX   XXXX ,  2017  asking for Method of verification, requesting copy of documents bearing my signature. Have not received any such items. I have frozen accounts with  XXXX   XXXX  an d Tran Union still con firms that Chapter  XXXX  is verified through  XXXX   XXXX . I also have sent them the letter from the Bankruptcy  Court  stating that they do not verify anything to credit bureaus. How can you report something in my file that you ca n't even say is correct when you have no way of verifying it. There are millions of  XXXX   XXXX  out there my medical records get mixed up all the time.
Product: Mortgage

I closed out my XXXX account to pay some of my past due mortgage. I mailed a check to freedom mortgage on XX/XX/XXXX. Freedom mortgage received the check on XX/XX/XXXX. I have the confirmation the check was delivered to Freedom mortgage 's XXXX XXXX XXXX The check cleared my account on XX/XX/XXXX. Freedom mortgage is refusing to post the XXXX dollars to my account. This is causing me mental anguish and emotional distress. I'm a veteran and I'm on the verge of losing my home because of the negligence of Freedom Mortgage. If this isn't corrected, I will take Freedom Mortgage to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had and currently have Medicaid so therefore Medicaid should have paid this bill in full.
Product: Credit card or prepaid card

Citi stated that there was an XXXX charge on XX/XX/XXXX for the amount of {$190.00} have tried since XX/XX/XXXX to dispute this charge with Citi Cards.. The first dispute was denied and I had to send in another dispute on XX/XX/XXXX. 
They advised that the dispute process is more of an automated system. If a person would actually have worked this, they would have seen numerous red flags.. 
I can prove that I was not located in California using XXXX or did any type of charge with XXXX. The sad part is that a number of XXXX charges came thru and citi removed those.. but didnt remove the XXXX 
Now the CITI bill has come due on XXXX XXXX When I called in to start the 2nd dispute, they advised that it would be 30 days.. spoke to a XXXX. 
Now I just called in and spoke to a XXXX. at XXXX after numerous calls and chats.. she is saying I owe and it will go against my credit if I dont pay it.. Not sure how a credit card company gets away with a charge thats in dispute.. that will go against someones credit score. They should take way that charge while in dispute.. if its truly a charge,. then put back on.. other credit card companies take the charge away until the dispute is final.