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

I have sent a total of 4 letters to EQUIFAX, XXXX  and XXXX  regarding student loans on my credit report. The companies listed above have violated my rights under the the FCRA and CARES ACT. 

1. I sent letters disputing the student loan accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 None of my disputes to these accounts have been noted and added to the comment section of my report. This is a violation of section 623 of the FCRA.

2. Per the CARES ACT H.R. 748 ( 116 ) borrowers of Federal student loans were granted a six-month pause on their payments and they were to be listed as on time payments, but the bureaus have 120 day late payments and charge off listed for the months of  XXXX until XXXX of 2020. 


3. The bureaus have different dates listed for the date of last activity, how can this be possible when they are coming from the same data furnisher? This is also a violation.

I have attached proof of my previous correspondence AS WELL AS PROOF OF THE INCONSISTENCIES ' ; BEING REPORTED BELOW.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Bureaus are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT BUREAUS shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Money was transferred using my Western Union account to an unknown person and unknown location from my XXXX Bank Account in XXXX separate transactions totaling {$1600.00}. I did no authorize or initiate these transactions. I haven't used XXXX XXXX XXXX in the past 1 year at all. A third transaction was also attempted but was rejected by XXXX XXXX. 
I also received an email from Western Union saying that the fraudster picked up the money in person from one of the Western Union locations as well within minutes after the transaction was sent.

One of my family member 's name was used as the receiver for the transfer.

So my Western Union account was logged into without me knowing, money was transferred without my consent ( tried 3 times, successful 2 times ), money was probably received by an imposter at a Western Union location in my family member 's name.

Multiple failures on Western Union 's part for the security of my account and the money transfer process.
Product: Student loan

My student loan is a spousal consolidated student loan. Unfortunately, I am divorced and the " primary '' borrower is my ex-husband. I have a very difficult time accessing information to my/our account. When I call I am told that I need to get permission from my ex-husband to change login information, to have hard copies of statements sent to my home, and to have documents printed with my name. 

I am the one that pays for this account and I feel that I should have equal, if not exclusive, access to information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed cancelled a XXXX XXXX insurance policy for my XXXX phone in XX/XX/XXXX. I was continously billed for the service after the policy had been closed. This non-payment lapse of greater than 90 days was reported to the credit bureaus and my FICO score plummeted. I paid {$95.00} in XX/XX/XXXX to close the account. This included late fees and monthly policy premiums. I would like repayment of the {$95.00} and the credit bureaus notified to the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting with XXXX XXXX XXXX for some type of payday loan. This is not mine it's showing that it opened in XXXX XXXX and I can tell you I never opened an account with any type of payday loan in 2015. This needs to be deleted. I was notified through my XXXX XXXX account that it was reporting on XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX - UNAUTHORIZED INQUIRYY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for thisThe credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX - UNAUTHORIZED INQUIRYY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and XXXX all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting Midland Credit Management they are breaking FCRA Laws. Some of their variations of names are : 1. Midlandcre 2. Midlandcred 3. Midland Credit Management 4. Midland Credit Management Inc. 
5. Midland Credit Management LLC This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. 
On XX/XX/2022 my credit score plummeted over 100 points. Midland Credit Management for months have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, for years denied credit, denied employment, denied housing opportunities and loans. 
SEE ATTACHMENTS
Product: Debt collection

I received notice via my credit reporting monitoring service that IC Systems placed collections account on my credit in the amount of {$120.00}. I have not received any communication regarding this debt by mail or telephone. I immediately went and paid the balance in full. I am requesting that this collection be removed from my credit report immediately due to non-communication by IC systems and the fact I have paid the account off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

my idendity was stolen and someone opened up fraudulent accounrts in my name.Im extremely confused on how someone was able to get my information amd do that in my name. XXXXXXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i also have 8 fradulent nquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

We closed on the sale of our house at XXXX XXXX XXXX, XXXX, NY on XX/XX/2020. Citizens was send a check over night via XXXX by our lawyer. Another check was sent to XXXX for our Home Equity at the same time. XXXX received their check and credited our account and paid off the Home Equity. Citizens is saying they did not receive a check, just some paperwork on the XXXX. They never contacted us regarding only supposedly receiving a letter to payoff our mortgage. We have been trying to work with a few different people to no avail. I have been in contact with the supervisor of Customer Service, XXXX. She doesn't return phone calls when she says she will, and I left a message again today with no return call. They have, since we have spoken to them about this, now paid taxes on a property that we no longer own.
Product: Credit card

I applied in good faith for the CHASE VISA signature account. After good faith application had been summited received hard inquiries on my personal consumer credit report through then received a denial notice. If any portion of this application under the reference number : XXXX has been securitized as a asset backed note under securities act of 1934, within the CHASE Bank and/or any other under SEC filled Prospectus, 10-K forms,8-k Forms and or other SEC filings. we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action.
Product: Money transfer, virtual currency, or money service

Today, XX/XX//19, I had called PayPal customer service to attempt a transfer of {$1500.00} that was sent to me by my daughter to my PayPal account. They stated that I couldn't do anything until I verified my account. They instructed me to purchase a XXXX XXXX card in the amount of {$100.00} and I would be verified by doing the registration process and the money would immediately be transferred. After I stated that I was broke and did not have {$100.00} they then instructed me to call my bank and ask for a {$50.00} overdraft for medical emergencies. If the bank would do so, and they were convinced they would, then they would accept a XXXX XXXX card in the amount of {$50.00} instead. I did manage a couple phone numbers to contact them. 
XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX  on ( XXXX ) XXXX. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Mortgage

In XXXX, I got a joint loan with my now Ex Husband. I was and still am primary on that loan. In XXXX we divorced, In my divorce agreement it states clearly that I 'm not in anyway shape or form responsible form this property. So quick claimed it to my ex husband. All of this all occurred in XXXX. Fast forward to XXXX. 
2 years after my divorce. My Ex Husband Modified the original loan " which I to this day am still primary on the loan ''. He, without my knowledge, consent, or signature filed it and it was Granted by Chase Bank. I am a single mother of XXXX who until a few days ago " XXXX '' had no idea he had done this. He modified the terms to 540 months on the loan with a fluctuating interest rate. I finally after 7 years of divorce am able to buy my own home but due to this modified loan I cant do anything and Chase is telling they did n't need my signature, constant or knowledge. They said since he has a quick claim deed from me to him that they were able to do that. But I 'm still on the loan yet all the terms have changed. Yet I never agreed to them. 
How could they do that? And why cant they take me off the loan since I have n't agreed to any of the new terms? I need this looked into please its preventing me from continuing my life. I cant even buy a car. 
And now I stuck with a 45 year Mortgage with 4.785 % that fluctuates yearly. I 'm XXXX and do n't know who to turn to. 
And chase says my ex can do whatever he wants to because of the quick claim deed but I cant do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found in my Equifax credit report my personal information a wrong date of birth. In credit report they have XXXX XXXX XXXX as my date of birth which is inaccurate. My correct date of birth is XXXX XXXX XXXX ( XXXX/XXXX/XXXX ). I want this to be updated as soon as possible. thank you.
Product: Mortgage

I requested over a year for the following to be addressed : 1. My loan was transferred to " XXXX XXXX '' from XXXX XXXX which was effective on XX/XX/XXXX 2. Enclosed mortgage statements from XXXX indicate a transfer balance of $ XXXXon XX/XX/XXXX ( See pdf attached ). 

3. Attached pdf shows XXXX XXXX original transfer of {$140.00}, XXXX 4. Payments history enclosed from XXXXXXXX 5. Payments made by ME attached ( pdf 2 ) 6. Original Relief loan ended in XX/XX/XXXX. It was extended to XXXX, XXXX 7. XX/XX/XXXX balance was {$140.00}, XXXX 8. After my payments and calculations were completed by XXXX, my carryover balance to be paid at the end of the loan was {$11.00}, XXXX. 

9. When my loan continued after deferral period on XXXX, XXXX. XXXX put the {$11.00}, XXXX on the back end of the loanRightfully so. 

10. However, they DID NOT subtract the {$11.00}, XXXX from the loan balance. Instead they added the {$11.00}, XXXX to the loan. This made the balance total {$150.00}, XXXX, more than {$140.00}, XXXX owed in XXXX, XXXX. This is a add on. I am not suppose to owe more at the end than when the loan began in XXXX, XXXX. 

11. The XXXX, XXXX was supposed to be subtracted from the loan balance. The carryover was NOT an " add on '' surplus for XXXX. However, they added the aforementioned to the back and they never subtracted the carryover from the loan balance when the loan ended XXXX. They refused to address the issue, they were rude and they transferred my mortgage to XXXX XXXX  ( effective XXXX XXXX ). 

13. If the {$11.00}, XXXX was subtracted, the " True '' balance would be {$140.00}, XXXX minus XXXX, XXXX. The carryover is supposed to be deducted from the loan balance at the time the deferral ends. Adding the carryover deferred amount to the front of the loan, increases the loan amount owed. And benefits no one BUT XXXX. 

14. {$11.00}, XXXX carryover behind the loan without deducting & from the loan balance would be a GREAT surplus to only benefits XXXX. An additional {$11.00}, XXXX that they are not entitled to. In my opinion, this is actual cheating 15.Payments were made to XXXX XXXX XXXX XXXX, XXXX in the amount of {$3.00}, XXXX 16. Payments were made to XXXX XXXX, XXXX XXXX, XXXX in the amount of {$5.00}, XXXX 17. Total payments during Covid mortgage payments totaled {$8.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXefore the deferment ended. Regular payments resumed XX/XX/XXXX to present and has been paid on time and in full All of this information above is included in the attached pdf files.
Product: Credit card or prepaid card

I have been a capital one credit card holder for 2 years or more. As a result of my xredit card relationship, capital one solicited me to open a checking account also with capital one. I indeed opened a checking acckunt with calital one ( which is able to be seen on the same app as my credit card ) and when it was time to pay my credit card bill i did so timeously from my capital one checking acckunt to capital one credit card. Despite having the payment leave my capital one checking account on XX/XX/XXXXand post on the XXXX  XXXX credit card acckunt on the same day XX/XX/XXXX, the credit card division has arbjtrarily and capriciously placed an 8 day hold on the payment, preventing the balance on my cc acckunt from lessening and moreover preventing me from having acxess to the funds which have been apllied to my cc account without hoaever changing the availe balance. 

CalitL one credit card essentially wants to hold my funds which have cleared in their acckunt for 8 days after getting the cleared funds.
Product: Credit card

I am writing to express my concern regarding an application for a credit card that was processed in my name without my informed consent. 
On XX/XX/year>, I believed I was enrolling in a Sephora loyalty program. However, I later discovered that I had inadvertently applied for a credit card issued by Comenity Capital Bank. As English is not my native language, I may have misunderstood the terms and conditions, leading to this unintentional application. Moreover, the terms and conditions were not presented to me in a readable format. Instead, they were displayed on the credit card readers small screen, which is not an adequate way to present such important information. This has resulted in an unwanted hard inquiry on my credit report, which I did not authorize or intend to initiate. 
And while the credit card application was dismissed after my requested by mail, the hard inquiry on my credit report wasn't removed despite I was not looking for any credit cards.
Product: Debt collection

XXXX XXXX XXXX sent bills for an ambulance ride without any detail or explanation. By the time I got the requested detail, they had already turned the charge over to Credence Resource Management for collection. I disagree with the amount of the charges but am trying to settle the debt. I was working with a Credence representative on the phone and we agreed on a settlement. However, the representative, XXXX XXXX, refused to put our agreement in writing. When I continued to insist that our agreement be in writing, he got very aggressive and continued to refuse. Subsequently, on XXXX XXXX 2017, I sent written correspondence to Credence Resource Management but have received no response.
Product: Debt collection

USCB America account numbers XXXX, XXXX and XXXX collections have been paid and closed as of XX/XX/2020. I have new credit reports and USCB has failed to report that the accounts have been paid. Several attempts have been made to USCB and XXXX  credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX {$4000.00} ; XXXX XXXXXXXX XXXX Balance : {$290.00} ; XXXX XXXXXXXX XXXX XXXX : {$13.00} ; XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

My identity was stolen from years back. I no longer have access to my social after it being stolen. The time my social was stolen is the time the fraudulent activities started to happen with me. It has been very hard for me to get anything in my name after my identity got stolen and credit profile was down the drain. I had no access to my credit or identity. I am finally in the act of making a report and being able to get a recovery plan. I am asking that you guys please help me recover my identity back. Please remove all these fraudulent items from my report. I am asking that you guys help me be able to have access to my identity. I don't have a physical copy of my social that's why i provided you guys with the information listed below. Please Transunion help me figure this out. Help me gain access to my report. This isn't fair to as I face challenges in my life after having two major loses and not being able to do for myself financial because a suspect decided to ruin my life by taking my identity. Review the following files below the letter is just showing proof of my current address where everything can be sent to me. I've provided more detailed files where you can see I have shown proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified letters were mailed to LVNV Funding and Resurgent Capital Services on XX/XX/2020 to validate or provide proof of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My legal name has always been XXXX XXXX XXXX. I have submitted documentation over for this to be corrected and it has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX