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

Hello, I have a couple of accounts on my report that do not belong to me they are identity theft related and I have already sent letters to them and my police report and they still have not fixed the issue. One issue is a chase account on transunion XXXX CARD ( XXXX ) C/O ( {$61000.00} ) XX/XX/XXXX TU and the other is a XXXX on XXXX XXXX XXXX ( XXXX ) C/O ( {$14000.00} ) XX/XX/XXXX EQ. 
I also have multiple inquiries on my XXXX and Transunion report that they have not removed even after sending a letter along with my police report. XXXX inq 's XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FACTUAL XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACTUAL DATA FACTUAL DATA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received a credit alert from XXXX XXXX indicating the following notification verbatim ( dropping my XXXX credit report by XXXX points ) : Balance Decreased : XXXX XXXX XXXX account was closed - Between XX/XX/2023, and XX/XX/2023, your XXXX XXXX XXXX automotive account appears to have been closed. 

Note : Upon initially contacting the creditor to confirm that in fact, my account is open and in good standing, I was advised that I needed to resolve this with the credit reporting agency to which I replied, NO your the creditor responsible for the misreporting of my account status impairing my credit rating and then asked for a manager to which I was transferred and formally filed a complaint with them along with a request to correct the reporting as I will not get back my XXXX points once its inaccurately reported. Nobody was able to provide me with details or verify the misrepresentation, and from my personal perspective FRAUDULENTLY misreported the current status of my account impairing my credit report by XXXX points. The only thing the representative I spoke with said was she would forward my complaint to their credit resolution department for further investigation and that I could call back in a few days to discover the status of the complaint. Concurrently, they also reported the following contradicting their misreporting of the account being closed as follows : Payment History Changed ( Positive ) Nice! It looks like your payment history was updated or corrected. The more one-time payments you have the better. 

My Complaint : Misreporting/misrepresentation of account status that is conflicting. While they incorrectly reported the account closed - decreasing my XXXX credit rating by XXXX points their contradicting notice of positive payment history did not increase or correct my credit score. 

Contact for XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

I get called by this company 10 times+ in a week. 
They tell me I am going to default after 60 days late. 
They are very relentless asking me personal and intrusive questions that are not necessary. 
( No dates are needed as this is an ongoing issue )
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt has been paid off I was told it would be removed within 30 days and it has been over a year.
Product: Debt collection

XXXX XXXX having debt XXXX. harass me for account XXXX XXXX XXXX XXXX is the collection agency. In the screenshot below they clearly state that if I write back to them asking for PROOF all collections will be stopped and it has not. According to law 15 usc 169c ( c ) this law clearly states if a consumer refuses to pay a debt the debt collector must cease all communications, this includes reporting to my credit bureau.
Product: Vehicle loan or lease

Before Covid-19 Pandemic, my small business was running great and made my car payments very well. But since XXXX, my small business has been suffering and struggling. On XX/XX/2023, I submitted an online inquiry with a letter to XXXX XXXX XXXX, XXXX XXXX XXXX XXXXl Manager of XXXX XXXX about my financial hardship. I was searching for a program to help me out during this hardships moment. On XX/XX/2023, I received an email from Lexus Financial Services saying that my account is subject to review for repossession. On XX/XX/2023, I call XXXX and was talking with one of the representatives regarding my hardship situation. I was trying to ask them for help and to offer my car payment of {$200.00} a month for the next 6 months until my business picks up. They told me that they can not accept my offer. I told them if they can not help me with the lower payments that I am asking for. I would like to sell my car back to them and would like them to cut me a check on whatever the value of my car then they can take back the car. As of right now, according to XXXX XXXX XXXX, my car value is worth {$43000.00} and my outstanding balance is {$36000.00}. But they told me that they can not do that. For example : Just like a house, if your house has value, you can sell it and pay back the mortgage and other fees then whatever is left is ours to keep. I feel this is so unfair to me because while my business is struggling and I need this car to move around and especially since I have 4 children that keep getting sick and I need to take them to the XXXX XXXX XXXX XXXX XXXX 
Please help me to find the best solutions for this issue. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

1. My CD has matured and I clicked the link on the website ( and also the mobile app ) to close the account.

2. BBVA bank wanted to send a security code to my phone.

3. The phone number on file is a landline and can't receive text messages 4. When i tried to change the number, the bank wanted to verify be sending a text message to my landline, which can't be done 5. I called the bank, and 2 customer service people hung up on me after I explained the problem.

6. A third person understood the problem and told me he changed the phone number.

7. I received an email from BBVA indicating a phone number had been changed and the i would have to wait 24 hours to make any transactions.

8. I waited more than 24 hours.

9. The website still has the old phone number and won't allow me to change it.

10. I now have less than 7 calendar days to resolve this problem, but the bank is not providing me with any help.

11. Last year, I requested the account be closed and the money transferred, and they didn't do it, locking me in for an additional 12 months at 0 % interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.
Product: Credit card

I file this complaint to respectfully request that JP Morgan/Chase inform XXXX that I do not dispute the account information for my JP Morgan/Chase accounts shown of my XXXX credit reports. I have attached my XXXX credit report. Please see pages XXXX, XXXX, XXXX, and XXXX of the PDF. The comment section on these respective accounts state that CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS. There is no need for a dispute, and there is no need for a reinvestigation. I frankly do not know why these accounts are being investigated or disputed. I do not dispute the account information listed on my accounts. Please instruct XXXX to remove these comments on my accounts. My ID is attached.
Product: Mortgage

Freedom Mortgage responded to my XX/XX/21 complaint and said they would no longer have their insurance company send me letters regarding my flood insurance because they agreed my coverage meets the terms of the mortgage. 

Today, they added a - {$1300.00} to my escrow account for them buying a new flood insurance policy. 

This makes no sense. They already agreed my flood insurance meets the terms of mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has shown me late on XX/XX/XXXX and XX/XX/XXXX however i have contacted them stating this is incorrect and where is any proof these were late and no response given. i have also disputed with all 3 bureaus and nothing comes back with any proof these are correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this information various times. I also submitted a copy of my ID and SSN. These names are not correct and they continue to appear on my Experian report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these names that are not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX Account # XXXX 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

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can you close my complaint and say that it was already processed it earlier. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Product: Student loan

I submitted a complaint to receive an application for the XXXX XXXX XXXX. I qualified for an application, however, was just sent a denial letter with no explanation on why I did not qualify. 

Not only was another XXXX my loans from Navient, from the same school and same XXXX XXXX, part of the XXXX settlement, I provided email evidence of how the school presented XXXX XXXX as the preferred lender to their students when applying for financial aid through the XXXX XXXX employees. 

I do not see how my loan would qualify for the XXXX settlement, and this one not be granted relief through borrower defense. 

The only reason this loan was not part of the XXXX settlement is because I had a co-signor and based on the XXXX terms, my loan did not qualify due to the CO-SIGNORS XXXX XXXX. However, Navient allowed the CO-Signor to be waived by paying $ XXXX towards this loan to have his name removed from the loan. Navient made this decision despite the proof of income I showed as a single mother. 

So, XXXX XXXX and XXXX XXXX allowed a loan to be taken out only because of a co-signor, and because of that co-signor the loan was not part of the XXXX XXXX, but not the co-signor is removed, which was the only reason it did not qualify for the settlement. Because all other claims in that lawsuit were for preferred lender status and giving our subprime loans knowing the borrowers could not afford to repay those loans. 

If my borrower defense application is being denied solely because the co-signor just paid $ XXXX and they would need to return those funds, I am asking for an investigation.
Product: Debt collection

I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

Company Name Account Amount Comments Portfolio Recovery Associates {$1100.00} This is not my account. 
Portfolio Recovery Associates {$820.00} This is not my account. 

Under federal law, you have 30 days from receipt of this letter to re-verify this entry. It should be understood that failure to do so within a thirty-day period constitutes reason to promptly delete the information from my file FCRA 15 USC s 1681i ( 5 ) ( A ).

Also, pursuant to USC s1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the previsions of 15 USC section 1681j, there should be no charge for this notification. 
Additionally, please provide me with the name, address and the telephone number of each credit grantor or other subscribers that you contacted for follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get my free report from AmRent with no success. I sent the email asking for a free report and they replied via email and said theyll only work with me via phone, fax ( fax?! ), or physical mail. Tried to call the number and the reps have absolutely no idea what to do or where to transfer me. Saying they have compliance and privacy departments but no way to transfer to them. Just had the same issue with both AmRent and XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize the companies XXXX nor XXXX XXXX XXXX XXXX to furnish anything to my credit report. Under FCRA 15 U.S.C 1681 Section 604a Section 2 - Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

I need all accounts related to the companies stated above to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Mohela says my loans are federal but through a private company and can't be forgiven even though I have 10 years of civil service. Theys aid XXXX  started the loan- but XXXX  says they don't hold the loan. 
I get conflicting information. 
The Dept of Education claimed that if I consolidated with them it would still take 10 years before I would qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Vehicle loan or lease

Kia Finance America XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I have reached out to Kia finance America , several times that Im refusing to pay the debt because of an accurate information and Kia financial and I want to cease communications. I made this very clear it keep showing on my consumer report.

15 usc 1692c ( c )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. I have attached a copy of my police report/FTC identity
theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly.

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding these fraudulent accounts, but the bureau has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

These accounts have been removed and not verified by other credit bureaus, so I do not understand why you continue to claim these accounts belong to me.

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response.

For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Debt collection

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section XXXX of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Product: Payday loan, title loan, or personal loan

I took a loan from mountain america credit union.I was supposed to pay off in 2years. I had issues at work so I called them to hold payment for 3month.After I get job and went to pay them off they refused to take my calls.When I called them back. In a times they send me to Utah and I will be on the phone for hours or more.Then the phone dropped without no one will to answer.Then I waited several time to get mail or email nothing.Late on several scam companies calling me to pay money which is more than 2 times what I owned the bank. This i decided followed up again but they said they have no idea.Next thing I saw on my credit the amount that is more than what I owned them. I think as human being I have not been treated fairly with this bank.but they rather taking advantage of me.I need help to resolve this issues.i have family to provide for including sick mother.i don't went anyone XXXX  my life and suppress me to their own satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

On XX/XX/2020 I made a purchase but never received the the merchandise. I was given a tracking number but it was wrong/invalid. I contacted XXXX and my bank account. The bank issues a temporary credit but after the investigation the money was removed which has now put me in the negative. Every time a deposit is made its taken and my account has been permanently closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/1922 I created a dispute regarding inaccurate and unknown information on my credit report. To this day XX/XX/22 over 30 days later XXXX XXXX XXXX XXXX with account # XXXX it is still on my credit when I have not given XXXX XXXX XXXX XXXX my written instructions to furnish any information to the credit bureaus. 

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 or other personal consumer reports

On XX/XX/year> I reviewed my credit report. Upon review, I discovered XXXX accounts reinserted onto my credit report. According to the Fair Credit Reporting Act you are required to send me a written letter notifying me of any reinsertion within XXXX business days. You failed to do so. 
The items being reported to my credit report are harmful to my reputation and preventing me for acquiring credit to grow my business. 
The following accounts were illegally reinserted on to my credit report and should be removed immediately. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX
Product: Debt collection

15 U.S.C. 1681 SECTION 602 A WAS VIOLATED