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

In the year XXXX, an XXXX account was added to my credit report, which was open fraudulent because I did not authorize for that account to be open. Somehow when I set up payments for my daughter on two accounts XXXX XXXX and XXXX to be paid out of my checking account the XXXX account became open in XXXX of XXXX without my consent, after setting up payments for my daughter so that she would not have any charge offs on her account. In the year XXXX when my dad worked for XXXX XXXX XXXX my SSN got deleted and my year of birth as well. My daughter SSN became my SSN in the credit bureaus all three. Experian, XXXX XXXX which was brought to XXXX XXXX XXXX 's Corporate attention in XXXX New York in the year of XXXX, which I am no longer there because of this matter, which I left in the year of XXXX. The problem keeps surfacing after 19 years of fighting for my identity and my daughter 's identity, Transunion will not delete this information from my credit report after disputing this over and over.I have also filed a complaint against all credit bureaus with CFPB on all issues that I know of. The incident report number is XXXX. This has destroyed my life as well as my daughter 's life. As we continue to fight for our identities if you go to the XXXX XXXX XXXX XXXX website some have changed the last four digits of my SSN and my daughter 's SSN under free credit score under my block. This has been overwhelming for the past 19 years and I have gotten three letters from XXXX stating they can not find me in their system which has been sent of 2 times with certified confirmation with the USPS post office.I have been fighting this for 19 years and I am tired of sending documents after documents to prove my identity and my daughter 's she was only XXXX years old at the time when all of this occurred.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame. 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX Please UPDATE this late payment in my Credit Report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX Account Number : XXXX Please UPDATE this late payment in the Credit Report or I will seek LEGAL OPTIONS against your AGENCY in favor of my FCRA. 
3. Under 15 usc 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. 
XXXX XXXX Account Number : XXXX Please UPDATE this late payment in the Credit Report or I will seek LEGAL OPTIONS against your AGENCY in favor of my FCRA. 
4. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. .Unacceptable How can you say its verified when theres a lot of information is inaccurate XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Checking or savings account

Twenty-two withdrawals totaling {$4700.00} were fraudulently withdrawn from my checking account though XXXX transactions on XX/XX/year> by an unknown person not in my contacts. Chase sent me a notification that a withdrawal of {$250.00} was cancelled because they couldn't verify the payment. Why were 22 other withdrawals to the same person allowed to be made? I immediately called Chase and it took them quite a while to stop payments. Chase said my facial recognition authorized these transactions. I confirmed with XXXX that there is absolutely no way another person could use my face recognition. An IP address of the fraudster was not provided. The only other information Chase provided was a list of the withdrawals including reference numbers. The fact that the large number and type of transactions are not common on my account clearly points to fraud. Chase 's website states the following : With Chase 's Zero Liability protection you won't be held responsible for unauthorized charges made with your card or account information. 

I have been a customer of Chase for over 30 years and trusted my money with them. I am XXXX XXXX XXXX and this has taken a toll on me. Please have Chase return the {$4700.00} I have attached documentation supporting my claim. Thank you for your efforts on my behalf.
Product: Checking or savings account

I recently opened a bank account for a XXXX payment not even 2 months ago There was a fraud alert on my checking account with a large sum of money XX/XX/XXXX which I called and got resolved not even 30 minutes laters there was another alert and my account was frozen I tried calling to get it resolved and was told it would be removed in less than 20 minutes its been two weeks and the banks saying their reviewing the relationship
Product: Checking or savings account

Chime has opened accounts multiple accounts. In my name multiple times. And have been asked to close Im not sure they are they never send me anything ever.
Product: Checking or savings account

On XX/XX/2023, I applied for both a secured credit card and a pledge loan, but to my disappointment, both applications were denied. I find it puzzling since I've been a member for years, and because these accounts were secured, I felt a sense of discrimination as a XXXX XXXX male from an institution that I believed prided itself on being welcoming and family-oriented. However, I realize that my decision to file for bankruptcy earlier this year might have influenced the outcome. I also acknowledge that my financial difficulties might have caused losses for Navy Federal. 

Having spoken to numerous customer service representatives, I emphasized that I didn't want to file for bankruptcy protection. The loss of my job and the passing of my uncle due to XXXX have created significant hardships, making it challenging to meet the minimum payment requirements. 

On XX/XX/2023, I received a response within the Navy Federal app regarding a reconsideration for both applications, but they declined. On XX/XX/2023, I managed to speak with a manager who mentioned that they could remove the software block from my account, as evidenced in my attached screenshot, and they promised to call me back. However, to date, I haven't received any response. 

I'm interested in having the Consumer Financial Protection Bureau ( CFPB ) investigate this situation. I want clarity on whether a bank institution is legally allowed to take such actions. After reading numerous forums and hearing stories of others being banned from Navy Federal Credit Union, I'm curious to know if their practices align with constitutional principles.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Mercedes Benz Financial on this XX/XX/2021. I used my credit card as defined under 15 USC 1605. Mercedes Benz Financial then took my credit card and got a loan and began to violate 15 USC 1692 ( e ) because they falsely represented our contractual agreement.
Product: Student loan

My loan was being brought up to date by the XXXX XXXX XXXX XXXX, ( I think that 's their name ) it was then given to Fed Loan servicing, this company never contacted me to inform me that they were now the company I needed to pay my debt to, they also reported to my credit report that I was late making the payments ( that 's how I found out about them ) I tried to rectify the issue and begin paying the loan, but they wanted me to agree on terms that I was not comfortable with, which included not informing the credit reporting agency that they made an mistake. I also have emails, where they state that they could not contact me, because they did n't have my contact information, they never notified me of the debt and have now ruined my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove this personal information and inquiry that XXXX to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove this personal information and inquiry not later than XXXX business days. XXXX XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

My car was repossessed in XXXX of XXXX I live in the state of Maryland and in the state of Maryland there's a reinstatement law where the loan company must offer you your vehicle back for the balance old including all fees I received my vehicle back and XXXX of XXXX paying all of the balance that was old and all fees down to XXXX to receive my call back after I receive my call back I was told that they were other fees that were not paid during the time that I did not have the car and that they were late fees for the car payments I do not understand how you have to pay a balance down to XXXX to get your vehicle back if the late fees are not included in XXXX of XXXX I made a payment of {$1500.00} to my loan company to catch up and pay extra months I was then notified about the fees when I noticed that my bill was due before it should have been due after I paid {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report on XXXX from the following lenders : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. And on the date of XXXX XXXX is also a fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX BalanceOwed : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXXXXXX Balance Owed : {$4000.00}, XXXXXXXX XXXX XXXXXXXX XXXX XXXX BalanceOwed : {$1300.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX BalanceOwed : {$2500.00}, XXXX XXXXXXXX Balance Owed XXXX {$18000.00}, XXXX XXXXBalance Owed : {$660.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2500.00}, XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX, 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
Product: Credit reporting or other personal consumer reports

Hello Ive been dealing with this for over a year some how 2 collections from fraudulent credit cards that were opened with my social but not my name. I gave them 3-4 police reports over the course of 2 years and I lost out of my home loan because of this inaccuracy and the experian saying it will be taken care of in 30 calendar days its been almost 1000 calendar days and Im still being transferred from department to department. Im fighting to find housing for me and my family as we speak because we couldnt obtain the house do to XXXX  not updating my correct information please help us
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report
Product: Credit reporting or other personal consumer reports

I am formally requesting the immediate deletion of the fraudulent XXXX account ( # XXXX ) from my TransUnion credit report. This account is inaccurate, unverifiable, and illegally reported in violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). TransUnion has failed to ensure the accuracy of my credit information as required by FCRA 1681e ( b ), which has resulted in misleading and conflicting data being reported on my credit file. 

There are several inconsistencies and inaccuracies with this account that violate federal law. The Date of Last Activity is reported differently across credit bureaus, with TransUnion listing it as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX as XX/XX/XXXX. This suggests illegal re-aging of the debt, which is a violation of FCRA 605 ( c ). Additionally, TransUnion incorrectly lists this account as " open, '' while XXXX and XXXX report it as closed. Such discrepancies create a misleading representation of my financial obligations. Furthermore, despite my dispute, TransUnion continues to report the account as derogatory and unresolved, suppressing my dispute rights and violating FCRA 1681s-2 ( a ) ( 1 ) ( B ).

TransUnion has also failed to conduct a proper reinvestigation as required under FCRA 1681i ( a ). Although I previously disputed this account, TransUnion misleadingly reports it as dispute resolved ; reported by grantor, even though no proper validation has been provided. XXXX has failed to produce any signed contract or legal documentation proving that I owe this debt, which is a direct violation of FDCPA 1692g, requiring debt collectors to validate debts upon request. Additionally, FCRA 1681c ( a ) ( 3 ) prohibits credit bureaus from reporting disputed and unverified information, yet TransUnion continues to do so, further damaging my creditworthiness. 

I have no contractual obligation with XXXX, and TransUnion has failed to provide any legal validation for this account. If this account is not immediately deleted, I will pursue legal action for willful noncompliance and seek damages under the FCRA and FDCPA. This serves as XXXX final notice to correct these violations before further legal action is taken.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint concerning my multiple and unsuccessful attempts to have inaccurate addresses, collections, and inquiries removed from my credit report. Despite my persistent efforts, these inaccuracies persist, adversely affecting my creditworthiness. 

The specific issues I am disputing are as follows which needs to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX  XX/XX/2023. 

I initiated my initial dispute with your bureau, providing all the necessary documentation to support my claims, including evidence of the inaccuracies related to addresses, collections, and inquiry. 

Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Unfortunately, despite my diligent efforts, the inaccurate addresses, collections, and inquiries persist on my credit report, causing undue financial harm. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and rectify these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies.

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.
Product: Mortgage

I have been XXXX and my ex wife was awarded this loan in the divorce. I assumed she had been paying this on time and she fell behind while I was gone. I am now trying to relocate due to my transfer and purchase a home here. I am in dire need of having the last 2 lates removed off my credit report so I can close on a new loan ASAP. Please remove these lates from my credit report.
Product: Debt collection

I am writing to dispute a charge of {$430.00} to my credit report on XX/XX/XXXX and XX/XX/XXXX. The Charge is in error because it should be paid and covered fully by my college insurance. 

XXXX XXXX urgent care works with my college insurance which is XXXX XXXX student insurance. I provided my insurance info to the medical service and reconfirmed the full coverage with insurance. Those collections should have been fully covered by college insurance.
Product: Mortgage

I was shopping around for lenders for a conventional mortgage loan. I did end up finding a more competitive interest rate with a credit union and after letting Waterstone Mortgage know of my decision ( nothing had been formally signed with them ), I was harassed and sent an extremely degrading and unprofessional email. XXXX XXXX ( The mortgage advisor that had been assisting me ) even called the listing agent to try and sabotage my purchase on the home! I do have the email on hand. Horrible way to treat a customer and extremely unprofessional.
Product: Credit reporting or other personal consumer reports

These transactions were not made by me. I did not give XXXX, Trans Union or XXXX written consent to furnish this info on my consumer report.
Product: Credit card or prepaid card

Promotional Payments are not being allocated accurately. I have to call Customer Service to pay the outstanding balance first or allocate a payment to the correct promotional balance. The customer service representative indicated this is an ongoing issue that has no solution.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX - Late Payment XXXXXXXX XXXX XXXX XXXX - Charge Off XXXX XXXXXXXX - Charge-Off XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Federal Loans, has 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has 2 attorney generals on my account which should only be one & which has been paid in full since XXXX XXXX
Product: Debt collection

Had a worker 's comp claim through the XXXX  I worked at. 1 - This debt is IS covered by that, as confirmed with the employer. However, they have not bill the work comp insurance for this item ( only billed 1 or 2 ). We have tried contacting them ( Alpine and original biller in XXXX ) and told that the work comp office must contact them. That office has tried to contact them multiple times and left messages but can not get a returned call. 

At this point the claim is closed and even if they did finally bill them, they could not do anything with it to payout due to the lack of responsiveness and failure to provide information to myself or the worker 's comp office who is responsible for this bill.
Product: Payday loan, title loan, or personal loan

I lost my job for the pandemic, I couldn't made my payments anymore of my loan OPORTUN name of the company, so I called them to let them know about my situation, they said they are going to help me with out any penalties or extra charges today Saturday XX/XX/2020 I called them again to extend my day of payment, surprise my amount of my loan increase {$230.00} more, I just feel ripped off, that is their help when I'm been punctual in all my payments and this is a bad time no just for me for many people.. I try to talk to them about it and got some explanation about the charge and they said is interes ... so what I can do, they really give more time yes but charges a lot for that.. please help me.!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship i was not able to make those payments on time. The following account that shows late payment for XXXX, XXXX, XXXX LENDING CLUB CORPORATION # XXXX. Due to the Pandemic Shutdown I was effected financially.
Product: Credit reporting

I have file a dispute various times with Transunion for the XXXX accounts that are being reported on my credit report XXXX. However Transunion indicates that they verified the information as correct but in fact I am no longer liable for this account because XXXX has informed me that they no longer own the account. XXXX informed that they could not bill me for this account because they no longer owned the account and could not provide me with an itemized bill in order to review and pay. So I request immediate deletions of this account however Transunion is indicating that the have verified this account as accurate. This item has not been verified please see Below : Investigation Results Current File File Number XXXXReport DateXXXXDispute Open DateXXXXNameXXXX XXXX XXXX XXXX XXXX, PR XXXXCompletion DateXXXX Account informationITEMDESCRIPTIONRESULTSXXXX # XXXX VERIFIED, NO XXXX # XXXX VERIFIED, NO CHANGEI am requesting inmediate deletion of these accounts as there is no information on record to verify its validity.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$4100.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX