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

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XXXX XX/XX/2015 {$7800.00}.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/XXXX. In the letter, I asked them to investigate errors on my credit report. They were supposed to send me the results of my investigations within 30 days, but I never received anything from them. I can only assume their response was lost in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN IN CONTACT NUMEROUS OF TIMES WITH ALL 3 CREDIT REPORTING AGENCIES DUE TO A MIX UP WITH MY SOCIAL SECURITY NUMBER. THE NUMBER THESE AGENCIES HAVE ON FILE XXXX IS NOT MY SOCIAL SECURITY NUMBER. I HAVE BEEN DENIED HOUSING/ CREDIT / LOANS, CAR LOANS ECT , DUE TO THIS MIX UP. I HAVE BEEN LIVING HOUSE TO HOUSE SOMETIMES XXXX  XXXX XXXX DUE TO THESE CIRCUSMSTANCE WITH THE 3 MAJOR CREDIT BUREAUS REPORTING WRONG PERSONAL INFOMATION ON MY CREDIT PROFILE. I HAVE DONE ALL I CAN DO TO FIX THIS SITUATION ; MY ONLY OPTION LEFT IS TO SUE THESE AGENICE FOR NEGLIGENCE AND PAIN AND SUFFERING I HAVE ENDURED BECAUSE OF THIS MIX UP. THIS IS MY FINAL ATTEMPT AND ADDS MORE PROOF TO THE FACT I HAVE NOTIFIED AND PROPERLY EXPLAINED MY POSITION TO THESE AGENCIES IN THE EYES OF THE LAWS THAT GOVERN THEM. ON TODAY XX/XX/year> I WILLL BE ATTACTHING MY STATE ISSUED IDENTIFICATION CARD ALONG WITH MY GOVERNMENT ISSSUED SOCIAL SECURITY CARD IN HOPES THIS MATTER GETS RESOLVED.
Product: Credit reporting or other personal consumer reports

Sent out letters to all 3 credit bureaus to get inaccurate information removed from my credit report.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP THURSDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inquiries on credit report and credit bureau responded without addressing my concerns. Sent a form letter explaining how inquiries on report, however verification nor deletion was done as requested. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

( XXXX ) I did not receive any services or products related to one of my transaction on XXXX XXXX website is XXXX XXXX and XXXX was charged {$330.00}. ( 2 ) Additionally, the website from which I attempted to make this purchase is no longer accessible, and I have been unable to contact the merchant for resolution. ( 3 ) But after an investigation by chase bank, I was still charged this fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay for loan protection. When I was sick with XXXX. It caused me to miss work. I called the bank to tell them. They said no problem because of my protection plan. Well XXXX months later I get a call about passed due payments. Then when it was to late was told I didnt qualify for payment protection. So why pay extra for it. Right? I asked multiple times to fix the late payments as it was the bank that said I wouldnt have a problem. Well now a year and so later I finally am caught up but stuck with bad credit. I had almost XXXX score prior to XXXX.
Product: Credit reporting or other personal consumer reports

Recently reviewed my credit to discover that I have been a victim of identity theft and this account was opened in relation to this event without my knowledge and or approval fraudulently. Sent written communication to company on XX/XX/year> with tracking that was received on XX/XX/year> as well as verbal communication via telephone to advise of this and to get item removed but company keeps updating information on my credit report. Submitted prior complaint to receive resolution from the company with a case number of XXXX wherein the company stated that they verified that the information belongs to me. My complaint states that the account was opened as a result of Identity Theft wherein my information including name, addresses, phone number, email address, and banking information were all compromised. The company referenced and electronic promissory note that was signed as well which was also falsely signed and as such can not be used to accurately verify identity. Any and all agreements signed pertaining the opening of this account and all subsequent transactions including those with the credit bureau were not authorized. That being said I have completed and FTC Report and a police report with my local law enforcement and have submitted said documents to the credit bureaus and to the creditor to request removal and have attached them here. If the account is not removed from my credit report and blocked or if it re-emerges then I will purse legal action against the creditor and the credit bureaus and seek damages for violation of consumer protection afforded by the FDCPA and for defamation and financial injury as afforded by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if there is no response within the 4 business days mandated by the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Checking or savings account

I have already filed two complaints against this company. First, my account was unexpectedly restricted due to my filing my first complaint against the bank. I was told that my account was due to be closed upon calling but I was unable to have access to my funds until the account was closed. I still havent received any written notice of the account closure. I am XXXX and have a direct deposit from the Social Security Administration due this coming Wednesday. I did try to change my direct deposit information but it was too late to change for this pay period. I can not pick up necessary medication I need to live. I do not have money to purchase food. Within a half hour of filing my complaint nearly 48 hours ago, I received a phone call from a woman named XXXX XXXX in the executive office who empathized with my plight and promised to work on my behalf to get the restriction limited. As of today, the restriction has not been lifted and checks written on the account are being returned. I am at my wits end. Please help once more from letting this company discriminate against a XXXX woman who literally could die due to this companys actions.
Product: Consumer Loan

My bank account was compromised for the second time with XXXX XXXX, sent Carmax the bank document that stated as such that caused my payment to be returned. The first time they corrected it with no problem ( correspondence attached ), the second time I get a letter stating that they can not correct the information. Not only that, I received an extension and they continued to call me and state that my account was past due. I had a XXXX and a XXXX XXXX in XXXX and when I initially called to let them know this, I was told that my request for an extension would not be approved because my loan always ran 20 days behind. I told the lady that I knw that but that it had never been 30 days late because I had to purchase an additional {$800.00} in medication per month now and that it was a struggle for me to make these payments. I then mailed hem a check in the amount of {$1100.00} and they put my car out for repossession. I called to tell them that my check had been cashed and yet my car was out for a repossession. the lady on the phone told me that it had been posted as XXXX lump sum payment and that she had to request it be broken out and credited properly. This lady did listen to me when I told her about my health situation and was kind enough to extend my payments through XX/XX/XXXX2016. This has been nothing but a headache and needless to say this is not my first car loan through car max, but it will be my LAST! 

POOR Customer Service!
Product: Credit reporting or other personal consumer reports

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a line of credit from Synchrony Networks to maintain my score or it will increase. A self-payment through the company 's application was scheduled for the XXXX, which was the payment deadline. I had not seen that the company takes 2 to 3 business days to complete the payment, as soon as I noticed I updated the self-payment date for the XXXX of each month, in the same way I made a payment for {$90.00} on XX/XX/2023 for the application. Similarly, on XX/XX/2023, another {$90.00} of self-payment was collected. Despite not entering into late payments, the company reported information to XXXX that left me XXXX XXXX. Filed a dispute with XXXX which resolved that Synchrony Networks should send updated information. At the moment my score with XXXX has only gone up XXXX XXXX Likewise, on XX/XX/XXXX, another payment for {$60.00} was made, which was reflected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Direct dispute sent to company, they did not respond : Account Number XXXX : Disputing the reporting of this collection account showing past due amount of {$630.00} and late payments of {$630.00} from XXXX to XX/XX/XXXX. Alleged date of XXXX delinquency ( XX/XX/XXXX ) predates the reported account opening date ( XX/XX/XXXX ). Terms of account is listed as 1 month, and account is reporting as open. 

Basis for the dispute : I have never made payment arrangements of $ XXXX monthly with Portfolio Recovery Associates for payment of XXXX XXXX acct # XXXX. Account opening date can not be later than original delinquency date, as this is impossible. The account is a collection account, and can not be reported as an open account with past due amounts. I have never had a contract with Portfolio Recovery Associates to pay any amount. 

Account Number XXXX : Disputing the reporting of this collection account showing past due amount of {$1000.00} and late payments of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX. Alleged date of XXXX delinquency ( XX/XX/XXXX ) predates the reported account opening date ( XXXX ). Terms of account is listed as 1 month, and account is reporting as open. 

Basis for the dispute : I have never made payment arrangements of {$1000.00} monthly with Portfolio Recovery Associates for payment of XXXX XXXX acct # XXXX. Account opening date can not be later than original delinquency date, as this is impossible. The account is a collection account, and can not be reported as an open account with past due amounts. I have never had a contract with Portfolio Recovery Associates to pay any amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to XXXX, XXXX and Experian for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities
Product: Debt collection

I am a victim of identity theft due to my mother opening XXXX credit card accounts XXXX is Capitol one and the other is XXXX XXXX. I recently learned that my personal information was used to open XXXX accounts I did not open or authorize these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've had nothing but problems with this company since I established a car load with them 2 years ago. The most recent, I have been trying to log into their payment portal for three days and kept getting error messages. I also tried to make a payment using the electronic phone system and kept getting the message " you are not set up for electronic payments ''. I finally reach someone today, and and 20 minutes on the phone they corrected the problem. I also made a payment, but this put me 31 days past due. I asked them please not report the late payment to the credit and they told me " there are other ways to make a payment ''.
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX to Nationstar, in XX/XX/XXXX. I was not happy about this transfer and asked if I could have my loan moved back to XXXX. This was denied by Nationstar. I have always made payments to nationstar on time. In XX/XX/XXXX, I was alerted during a credit check that my credit report showed a missing payment to Nationstar. This was the first time that I was made aware that I had any payment issues with NationStar. They have never contacted me for not receiving the full payment. in XX/XX/XXXX they held a payment from me for 30 days because they viewed it as partial, however they did not apply it to the principal. The money was " un-applied ''. I have spoken to Nationstar on three separate occasions and they have told me they would start an investigation. However, I have never received any follow-up and each time I speak to them it is a complete restart from the beginning. The last two days I have tried to call them I was automatically hung up on. I tried to call them multiple time on each occasion. There has never been a missed payment to Nationstar, they did not apply the payment because it did not fully cover the escrow and insurance increase. However the payment made was enough to cover the principle, interest in full. In XX/XX/XXXX I tried to re-finance with Nationstar and was told that I would have to wait until I had two years of taxes showing my XXXX income. They did not mention to me that there were any payment issues with my account. After receiving the credit report I was able to determine that Nationstar has records that only a partial payment was received since XX/XX/XXXX. For over a year they knew that there was an issue with a partial payment to my account, this is only partial based on the calculated escrow account. I never received any calls or written letters. The amount I have to increase my payment changes two times a year. I have never received any personal call from Nationstar. I am constantly receiving automated calls from them, however whenever I call them the calls are always opportunities. I need to have this missing payment removed from my record.
Product: Vehicle loan or lease

I have reason to believe and do so believed i was discriminated against by this company due to the response they sent. I acted in good faith and was denied credit which is a direct violation of 12 cfr 1002. I have been banking with this institution for little over a year and have been having alot of issues with this bank as well as countless denials for credit cards and credit for auto loan ( s ). This notice is a notice that I am rejecting this offer to deny me the right of credit pursuant to 15 usc 1602 OFFER REJECTED NOTICE ATTN : Navy Federal Credit union XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This correspondence is in regard to the application submitted on XXXX XXXX, 2021, reference no./application XXXX. Which an adverse action letter was received on XX/XX/ 2021. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242. 

Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ).

Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. 

You meaning Navy Federal Credit union and any of its agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in billing.

Legal proceedings may be enacted if dishonored. 

Notice to agent is notice to principal Notice to principal is notice to agent By Accommodation :
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX : {$5100.00} XXXX XXXX XXXX Balance : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Discover and/or XXXX continue to report derogatory status for account included in XXXX filing XX/XX/XXXX with the discharge date in XX/XX/XXXX as the most recent derogatory and/or late payment negatively impacting my score and account history. 

I have filed the following disputes with XXXX : XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover fin svcs llc I have also contacted Discover multiple times but requested investigation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( DENIED ), and XX/XX/XXXX. 

Discover Bankruptcy Dept confirmed the account would have been reported to XXXX, XXXX, and XXXX with the same information as it was included in XXXX Bankruptcy, Closed with a {$0.00} balance, and no additional updates beyond XX/XX/XXXX. Although it may be based on the disputes, Discover Dispute Dept has reported the discharge of XX/XX/XXXX as the Status Update ( Derogatory and/or Late Payment )
Product: Student loan

I co-signed a loan for my sister. Navient negotiated a settlement for the loan without consulting me. Then they reported negative information on my credit report which they are still reporting. This ended up costing me at least XXXX basis points on a recently opened mortgage. This is the only unfavorable information on my credit report and its making my credit score XXXX. This is completely egregious.