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

On XX/XX/XXXX I checked his credit thru a credit monitoring service and discovered several accounts dating back to XXXX had been open in my name without my authorization. A personal credit card accounts had charges to it that I never authorized. Other Unauthorized accounts includes loans and mobile phones.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$7600.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was recently sold to Residential Credit Services ( RCS ). My current interest rate is 2 %, but RCS has been charging me 3 %. I am going on week XXXX of trying to get it changed, they have acknowledged the error, but it is still at 3 %. I am getting ready to sell my home and need this corrected and the incorrect amount that has been applied to interest needs to be applied to my principal balance. I also have never received any buyer/owner incentive that my HAMP modification indicated I would be receiving ( {$83.00} per month or {$1000.00} per year ). I am approaching my XXXX year into the modification and have never received any documentation indicating this incentive had been credited towards my principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Initial complaint filed. I have filed multiple requests for updates. I have faxed, emailed and mailed my identification including my driver 's license and social security card. My banks are still unable to pull my credit report and score. I have been told on multiple occasions including the above listed complaint that this has been resolved and it has not. Each day is costing me a risk of higher interest rates and delays the progress on my project.
Product: Debt collection

I have been disputing this collection for awhile for a collection that was placed on my credit last year for a debt that I do not owe. I 'm not understanding why this collection was placed on my account for {$5000.00}. I want this to be removed from all my credit reports immediately. I 've sent in numerous dispute letters and no action has been taken. Please advise on any updates from this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XXXX XXXX, 2016 with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on 05-06-23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE NATURAL PERSON, CONSUMER AND CREDITOR. EQUIFAX, XXXX, AND XXXX BROKE THE LAW PURSUANT TO 15 UXC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX2022 THERE ARE XXXX NEGATIVE REPORTING TRADELINES AND XXXX CLOSED ACCOUNTS THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. I WOULD LIKE TO STATE THAT PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THAT THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING EQUIFAX, XXXX AND XXXX TO REPORT THESE IN ACCURACIES IT HAS CAUSE TO ME TO LOSE ALL CONFIDENCE IN THE BANKING SYSTEM. AS THE COMSUMER CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVASTATION TO MY XXXX GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX -BALANCE {$170.00} - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 2017  a  XXXX    XXXX   XXXX   was pulled from Transunion. This is a soft pull and should not show up as a hard inquiry. I was made aware that this is showing as a hard inquiry through  XXXX  different monitoring companies.  XXXX   XXXX ,  XXXX   XXXX , and   XXXX   XXXX   which is part of Transunion. This error has caused my score to drop and would imply that I have applied for credit. I have talked to Transunion  XXXX  different times Monday  XXXX   XXXX , Tuesday  XXXX   XXXX , and Wednesday  XXXX   XXXX  to get this resolved. The staff that I talked with had no idea how to fix the problem. In fact they dismissed my concern and offered no solution. Transunion is reporting incorrect information and even after bringing it to their attention 3 times they failed to correct the problem. I have attached a copy of an email from  XXXX   XXXX  and  XXXX   XXXX  for validation and review.
Product: Credit card

Chevron has been charging me late fees for several months. I finally got XXXX  of calling them- when I could get someone they refused to waive the fee - and just paid them. I KNOW I PAID ON TIME. The current bill includes another late fee, however. 

The late fees they charge are excessive - {$40.00} ( for context, my chevron bill averages between {$60.00} and {$120.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

This card shows activity and dates of activity that do not exist. All of the bureaus are falsely reporting information on a card that was closed immediately after I got it. The limit isn't even correct! This is why I repeatedly say none of the bureaus can be trusted to report information on anyone 's reports accurately. See the attached proof that this card was closed and NEVER used!!!
Product: Payday loan, title loan, or personal loan

After seeing an ad for payoff.com loans to help lower credit card debt, I went to their website and applied for a loan. I was preliminarily offered a loan for {$25000.00}. I accepted the offer and submitted by bank account information for them to review for the loan. When payoff.com started reviewing my financial information they said only my income could be counted in offering the loan. I asked why my spouses salary did not count towards my household income and they said I could only count mine. And they couldnt confirm that they did not count shared household debt. I was then denied for the loan based on my debt to income ratio and they said there was a delinquency on my credit report. I do not have a delinquency so I asked for more information and a copy of the credit report showing it. They refused to provide any additional information or the credit report to me.
Product: Credit reporting or other personal consumer reports

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau XXXX BBB ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, the following entries are unauthorized and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX - XXXX - XX/XX/XXXX - $ XXXX Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiries XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX 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  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I made a mobile deposit into my WellsFargo account using a XXXX XXXX transfer check in the amt of {$2700.00}. Being that the funds were not available to me I contacted XXXX on XX/XX/XXXX and I was informed that I could not use mobile deposit and I needed to go into WellsFargo to deposit the same check. On XX/XX/XXXX I went into Wellsfargo to deposit {$2700.00} in person. As a result, the same transaction was credited to my account twice. Once I became aware of this I notified WellsFargo and XXXX and WellsFargo debited my account on XX/XX/XXXX for {$2700.00}. Since then XXXX has been harassing me due to the transaction posting twice even though Wellsfargo had debited the funds. Wellsfargo could not explain where the debited funds went or where they were sent. Since this error I have continued to be harassed and have received debit notifications from XXXX for double the amount totalling {$5400.00} and transfer fees. I only received benefit of {$2700.00}
Product: Credit reporting or other personal consumer reports

In light of recent developments regarding the accuracy of information in my consumer report provided by Equifax, I am compelled to bring to your attention a matter of significant concern. Despite diligent efforts to ensure the integrity of my financial profile, it has come to my attention that Equifax has included erroneous data attributed to XXXX XXXX, indicating late payments for XXXX and XXXX of XXXX. Upon contacting XXXX XXXX, it was unequivocally confirmed that no such information was reported to Equifax, raising serious questions about the accuracy and reliability of the information contained within my consumer report. 

This blatant discrepancy not only reflects a failure on the part of Equifax to adhere to the fundamental principles outlined in the Fair Credit Reporting Act ( FCRA ) regarding the accuracy of consumer reports but also highlights a concerning lack of due diligence in investigating disputes raised by consumers. As mandated by the FCRA, creditors are obligated to conduct thorough investigations into disputed information, a standard which Equifax appears to have failed to meet in this instance. 

Furthermore, the provision of a credit report by Equifax asserting the validation of the disputed account constitutes a misrepresentation of the facts, compounding the severity of this violation. As a result, I am left with no recourse but to pursue appropriate measures to seek redress for the harm caused by Equifax 's negligent actions. 

In accordance with the FCRA, I hereby demand compensation for the violation of my rights, as well as the imposition of fines commensurate with the dissemination of derogatory and false information within my consumer report. It is imperative that Equifax rectifies this egregious error promptly and takes concrete steps to restore the accuracy and integrity of my financial profile. Failure to do so will necessitate further legal action to ensure accountability and prevent future transgressions.
Product: Credit reporting

Approximately XXXX I have been a victim of fraud and ID theft. Someone open various accounts, request credit and made credit inquiries on my name, illegally, fraudulently and without my authorization and knowledge. On XXXX I put a credit alert and I report it to XXXX XXXX Police with the incident number XXXX. Then I made and Identity theft victim 's complaint FTC # XXXX and affidavit and I made a report and informed it with the XXXX credit bureaus ( including Equifax ). Equifax did not correct the following information : inquiries made fraudulently : XXXX made in XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX ( the XXXX XXXX ) XXXX XXXX XXXX XXXX I call Equifax to correct and delete from my credit the above inquiries and they told me that I must call and notify those companies that the mentioned inquiries were fraud. I called each company and answered all mail for them. I have evidence, for example : a letter from XXXX XXXX saying that they close the account because they determined was a fraud and I have to allow 45 days to the consumer reporting agencies to update their record. Equifax did not update my credit record and constantly put the XXXX fraudulent inquiries in my file. I call them and by internet notified them that those inquiries were fraud. I have all disputes confirmations # as and effort to correct my credit information : Confirmation # and dates XXXX made in XXXX bay phone ; XXXX made in XXXX ; XXXX made in XXXX ; XXXX made in XXXX and all with the following note : '' The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor '' I did call each creditor and also send the Police report to Equifax and Equifax did not update my credit information by deleting fraudulent inquiries.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by MERCHANTS FINANCIAL GUARDIAN , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 
I was harassed on phone, collecting on illegitimate bill, no funds were owed to original creditor. 

This situation for me is so hard, XXXX cant sleep. 

Account Information : Account name : MERCHANTS FINANCIAL GUARDIAN Account Number : XXXX Date Opened : XX/XX/2018. 
Balance : {$3500.00} Solution : delete my account from all credit bureaus and waive the balance.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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: Student loan

I have been a full-time XXXX XXXX since XX/XX/XXXX. I saw an ad in the newspaper about Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX. I consolidated my federal loans in XX/XX/XXXX and was told that I was good to go and on track for PSLF. In XX/XX/XXXX I filed the paperwork to have my loan transferred to XXXX to finalize the PSLF process. In XX/XX/XXXX I  was informed via email that although my employment was certified, none of my 9+ years of on-time, consecutive payments would count towards PSLF because I was on an ineligible repayment plan. During the past now 10+ years of payments I have paid over {$36000.00} in interest. Had I known that I was terribly misled, I would have paid off this loan many years ago and not gotten hammered with all this interest. I now have almost {$44000.00} in principal left on the original loan amount of {$46000.00}. I never would have agreed to pay that much interest under any circumstances. I went through the complaint and appeal process with XXXX and was told that there was nothing they could do because Congress makes the rules. This is completely unacceptable.
Product: Vehicle loan or lease

Navy Federal Credit Union ( NFCU ) online auto loan. I was on their website and used their interface to calculate different rates for a potential auto loan on XXXX XX/XX/2023. I deliberately did not submit a request for loan approval. ( This is recognized by NFCU ). 

12 days later I received an email from NFCU explaining that I have been approved for a {$27000.00} auto loan that I never submitted. 

I immediately called to NFCU to address the situation and was told the loan would be canceled, but have not received any follow up email confirmation. 

I was forced to go to NFCU in person and get written confirmation this loan was indeed canceled. 

As a result, my credit score was pulled without my consent and I am concerned that my credit score will be affected by NFCU 's lack of control over loan approvers.
Product: Credit reporting

XXXX has a charge off listed on my file. They showed it as having a XXXX balance in XXXX with a paid balance and then a {$28000.00} balance in XXXX. We filed a complaint with several government entities. I disputed it with the XXXX credit bureaus. The Fair Credit Reporting Act ( Sec. 611 ( a ) ( 1 ) ( A ) says : In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I disputed this item in XXXX and the credit bureaus left it on the file. THERE IS NO BALANCE ON THIS ITEM.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$5800.00} 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: Mortgage

The Lender is not applying additional or excess payments to the principal balance when provided. The lender holds the additional or excess payments into a " Partial Payment '' suspense account and it does not make it into the Mortgage principal balance. For several months I have to called the Lender, and each time they claimed that the issue will be fixed and it continues to occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX XXXX of XXXX Car Dealer XXXX, MD XXXX XXXX XXXX XXXX. The amount borrowed was approximately XXXX. I had an excellent credit score when I entered the door. They told me they dealt with XXXX and would acquire the loan there. I told them I was going to check with my credit union and would probably get a better rate, which I did. XXXX was paid off with my new loan. I made a point of telling them I did n't want a lot of inquiries on my credit. I pulled up XXXX XXXX and found that my credit rating has been affected by the amount of Hard Inquiries they made. Is there anything that can be done about this? 

Inquiry details Wfds Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX +