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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX  : {$0.00}, XXXX XXXX XXXX  : {$2000.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$2000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX # XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

12 USC 1813 PLEASE REMOVE AND CHANGE TO PAID IN FULL AND RETURN ANY FUNDS DUE BACK TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is reporting inaccurate information. I have been unable to get in touch with this creditor because the mail was returned and this agency is reporting this address on my credit report. I have disputed this with the agency and they refuse to remove this account from my credit report.
Product: Checking or savings account

I am a victim of two fraudulent transactions on my Bank of America XXXX account one on XX/XX/20 for the amount of {$980.00} and one for XX/XX/20 for {$500.00}. I have been calling Bank of America to get credit for the money I was stolen {$1400.00} and seem to not care about this situation. I have been on and off with the Bank and XXXX and have already filed a police report because I am willing to take this as far as I can to get my money back. I have not been able to pay all my bills and will not be able to pay my rent this coming month, I am a single mother of XXXX children and stressed out of this crazy situation. All I know is that I need to put food on my table and need my money back and the Bank is not assuming responsibility to give me credit for the amount stolen. I have been placed on hold for long periods of time and they hang up on me, I am frustrated and disappointed with Bank of America customer service.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for failing to properly investigate and correct inaccurate information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi. Despite my dispute, Experian has continued reporting erroneous negative items, impacting my creditworthiness. 

Disputed Accounts : XXXX XXXX Incorrect charge-off balance reported without proper verification. 

XXXX XXXX XXXX XXXXXXXX Unverified balance inconsistency in violation of FCRA. 

XXXX  XXXX XXXX Charge-off remains past the legal reporting period. 

XXXX XXXX XXXX Incorrect balance reported post-repossession. 

XXXX XXXX XXXX XXXX account missing original creditor details. 

Under 15 U.S.C. XXXXi ( a ) ( 1 ) ( A ), I have the right to a proper reinvestigation. Experians failure to verify or remove these errors violates my consumer rights. I request the CFPBs assistance in compelling Experian to investigate and correct these inaccuracies promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Product: Credit card

XX/XX/2011 credt card reversed fraud purchases, closed card and issued new card. Credit card fraud team said they reported to XXXX. XXXX, and XXXX. Frequent contact with credit card fraud team {$740.00} total of Fraud purchases all reversed by credt card company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$2800.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$1600.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$980.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$1600.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX DIPUTE {$2300.00}
Product: Money transfer, virtual currency, or money service

Money was transferred from my checking account through XXXX with out my authorization and the bank says that we need proof that it wasnt me who authorized those XXXX transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, please assist me in getting an answer about why each credit bureau Transunion, XXXX  and XXXX  have been slow in upgrading my credit score since XXXX. My wife and I filed for bankruptcy in XXXX and divorced recently, but have met all our obligations according to bankruptcy rules. I alone have made consistent regular payments on an auto purchase since XXXX but the 3 main credit reporting bureaus listed above have not used the auto purchase payments as a factor in being credit worthy it seems. I don't have any credit cards as I normally pay for everything through 2 different bank debit cards. It appears the 3 main credit bureaus want me to obtain a credit card, and will only evaluate and award higher scores based solely on information received from those having credit cards. I believe this practice is unfair and would like an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I made a visit to XXXX XXXX in XXXX XXXX, XXXX county. I sat in front of customer service person XXXX. I told XXXX to follow -up on a payment of {$500.00} I paid to XXXX  credit card. 

XXXX said that she will re-submit the {$500.00} payment through my connected account in XXXX XXXX. XXXX had my XXXX XXXX account opened in front of her on her computer. XXXX called the XXXX Credit card to make again the {$500.00} payment. XXXX XXXX failed to make this payment as they promised me and reported me as a delimquent person to Equifax XXXX  and XXXX. XXXX Credit card also took a payment from me around XX/XX/2018 for {$3000.00} XXXX Credit card failed to put my XXXX XXXX  acoount numbers correctly in their computer. I asked XXXX XXXX  to make a one time payment only to my credit card. XXXX XXXX XXXX never heard about this transaction. XXXX claims that XXXX reversed the payment. XXXX credit card has defrauded me. They have reported me to the credit companies fraudulently making me look delinquent. 
XXXX credit card is to delete these false rating 's against me.
Product: Debt collection

These calls are for a relative that does not live with me, nor have they since 1973.
Product: Credit reporting or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Product: Credit reporting or other personal consumer reports

I have sent letters to XXXX telling them I did not recognize the account and asking them to verify the account or delete it off my credit report. I have already filed an FTC report for identity theft. This information is injuring me and is not accurate or verified.
Product: Mortgage

On XX/XX/XXXX my mortgage with PHH Mortgage matured after 15 years of payments. The company says they sent one letter in XXXX, XXXX to let me know the loan was set to mature. They have also admitted there was no other communication regarding the loan. 

I did not realize the loan had matured and continued payments, which were accepted by PHH until XXXX, XXXX. The XXXX payment was returned to me and it was then I was informed the loan had matured. I contacted PHH and was told I needed to pay the full amount of {$55000.00} at that time. 

I contacted PHH to do a modification to my loan and had was told to submit my application as soon as possible. On XX/XX/XXXX I submitted the required documentation and received a letter dated XX/XX/XXXX saying my application was complete. 

My customer service representative, XXXX, informed me on multiple calls that I had completed the application and thanked me for being prompt. During this time my credit score was dropping due to my non-payment on the {$55000.00} balloon, but since I was working with the company, I had been told I would not be held accountable for the loan as it was " in process ''. I was later told this was incorrect and I was unable to get a loan anywhere else, so I was forced to continue using PHH. 

On a call on XX/XX/XXXX I was told there were items missing from my application, even though I had a letter from PHH saying my application was complete. I was told my pay stubs, and application were all older than 90 days and were not being accepted. The fact was my documents were less than 30 days old, and there was confusion among the three customer service representatives as to what was actually needed. After three hours on the phone it was found my application was indeed submitted less than 90 days before, but the clock had restarted on the 30 day timeline PHH had to act on my application, which forced my credit even lower and ensured I either paid PHH the {$55000.00} ( which I do not have ) or get the terms of loan if they decide to give one to me. 

I feel their practice is predatory in nature and has forced me to use their company at the terms they set. The company admitted I had never missed a payment in 15 years and even paid XXXX extra months when the loan matured. Their customer service was aggressive on occasion and less than helpful.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I'm attaching the letters I sent you last XX/XX/2022, including a copy of my ID for identity verification. I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be ignoring me like other people I talked with and it's been over a month now. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681i, which mandates a reasonable investigation of my disputes. Furthermore, Equifaxs actions also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C & & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding file ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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

WELLS FARGO XXXX XXXX is reporting on my personal credit file with XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency & data furnisher are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX XXXX )
Product: Mortgage

XX/XX/XXXX my attorney asked for correspondence to be sent to him as he was representing me. I was blocked from the account. In XXXX my attorney sent a letter to give me full access to the account. 

Selene rejected all negotiations and wer eready to foreclose. 

I found out in XXXX that I qualified for XXXX XXXX XXXX. 

I asked the lawyer to get my mortgage statment reinstated with my name and address. He said he still could not figure out why Selene had done that.

I called Selene no less than 30 times trying to get my name restored on the account. I finally get a manager who told me that the issue would be resolved and in fact he told me in all his years he had never seen the actual mortagee replaced with the lawyers name. The mailing address yes, but to have the names placed on the mortgage statement that he had never seen. 

The lawyer sent a cease and desist, Selene responded that it was dated XXXX and not vlaid, obviously the lawyer had a typo. He corrected it. Resent it and I confirmed it was recieved. 

I contimued to call until XXXX and each time I called I referenced the fact that the manager told me it would be resolved and when each rep checked they XXXX you are right and we are going to update notes and get this fixed. 

Finally on XX/XX/XXXX, the rep explained to me that they need a letter from the attorney. I said this is absolutely bonkers, a manager confirmed the letter was sent MONTHS ago and now you are only informing me.

I called my attorney who no longer represents me and he wa
s extremely agitated at Selene. He told me in all his years he had never seen such complete incompetence.

He sent the letter once again.

I again followed up with phones calls and and email and finally resorted to fiiling a complaint.

The first and only response I recieved essentailly made it look like I had a frvilous complaint and that I had been answered. It was completely comical because if you read the letter they are staing we responded to you on the same date as the letter dated as a repsonse to XXXX. 

It gets more comical. I think it was ABUNDANTLY clear my lawyer stopped representing me and with more than XXXX phones ( being conservative ). Since at least XX/XX/XXXX I have been attemtping to take over MY mortgage and have my name replaced on my account. 

Today, Saturday XX/XX/XXXX, I get a letter from Selene stating that I did not provide them with my lawyer contact information as I indicated I am representated by XXXX. They are stating that I did not provide them with suffficient information to contact him, meanwhile all the correpsondence ( monthly statements ) continue to be addresssed and sent to him as recent as XX/XX/XXXX. 

Further, XXXX XXXX, XXXX for a THIRD time my lawyer send a letter stating that he was no longer representing me. I have sent emails stating I am no longer represented by a lawyer. 

In your response, you stated that I was represented by a lawyer. That was the ecuase for not communicating with me, yet you had full permission from the lawyer months ago and if you check the file you will see I had permissions and spoke to reps no less than XXXX times.
Product: Student loan

I attended the University XXXX XXXX XXXX from XXXX. During that time, I took out XXXX loans totaling about XXXX. At the time I did not understand the difference between subsidized and unsubsidized loans. I found out after I graduated that both of my loans were unsubsidized and totaled XXXX bucks. Sallie Mae wanted me to pay XXXX bucks per loan six months after I graduated. I informed them that I would not be able to make those payments while making XXXX bucks an hour. One of the representatives suggested that I consolidate them to get a lower payment which I did since I was fresh out of college. 

Fast forwarded 16 years later. I still owe Navient {$54000.00}. I downloaded my payment history did some quick XXXX math. I HAVE PAID NAVIENT {$74000.00} SINCE XXXX! {$10000.00} has went to the principal while {$63000.00} HAS WENT TO INTEREST!!! 

I was steered into forbearance XX/XX/XXXX - XX/XX/XXXX after losing my job. Navient refused to do anything else to lower my payment because my loan was private. 

I thought I was going to see some type of relief from this loan back in XXXX with the Navient Lawsuit. I did not receive any type of notification besides monthly statements and due date notices. Tell me why I didn't qualify? 

-My loan was with Sallie Mae , but then sold ( moved ) to Navient XXXX XXXX XXXX XXXX XXXX XXXX for profit school ( same as XXXX ) -Loan was disbursed in XXXX -I was forced to consolidate my loans in XXXX -Loan was delinquent ( behind on payments ) for well over seven monthly billing cycles prior to XX/XX/XXXX -I lived in a stated covered by the settlement Another thing to mention : Last month, Navient randomly put my account in a disaster forbearance. What disaster was I affected by? Also, my payment just increased randomly by XXXX which I did not receive any notification of in the mail. Apparently according to my portal this letter was sent out XX/XX/XXXX. 

Overall, my case is an example of predatory lending practices from Navient aka SallieMae.
Product: Credit reporting or other personal consumer reports

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from a debt collection company called Transworld Systems Inc. The letter itself states I have thirty days to dispute or pay a debt of {$170.00}, failure to communicate with them in thirty days results in admittance of debt, and that this debt was obtained from a creditor named XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX states they formally held this debt from a company called XXXX XXXX XXXX. As for my actions, I notified a credit bureau to place a temporary fraud alert to protect my identity, and I notified this Transworld Systems Inc that I am disputing the debt. I lived in XXXX and utilized XXXX XXXX XXXX as my power company from XX/XX/XXXX-XX/XX/XXXX. I never had a delinquent account with them and I paid off my final bill in XX/XX/XXXX ( I moved from XXXX, XXXX  to XXXX  at the end of XX/XX/XXXX ). This is the first time in almost thirteen years I've been notified of any type of debt, and I believe that one or  more of the above companies is incorrect and possibly " scamming '' me.
Product: Consumer Loan

Receiving multiple calls from BMW Financial regarding a payment that has not reached 30 days and have never been 30 days. On XX/XX/2016 they called my personal number at least 5 times. They called about 2 times did not leave a message. Then they call again and leave a message. Then they call back again and I pick up and they disconnect the call. I get upset and call them back regarding the multiple calls and they disconnect my call. Then I called BMW Financial back. Finally spoke with an agent in collections and told him that I plan on paying the bill on XX/XX/2016 and to stop calling my personal number so many times a day. He said that he would update the account regarding the payment and would stop the calls. About 10 minutes later they call me again to talk about the payment I owe. 

I am at work and when these calls are being made. I am extremely disappointed with BMW Financial and their collections department should be more trained on how many calls they can make a day. After they left a message for me they should have waited until the next day to call again. 

They have previously called multiple times per day prior to this incident but XX/XX/2016 was extremely excessive especially when they left a voicemail and then made contact with them. I can access phone records if needed.
Product: Vehicle loan or lease

My monthly payment is due on the XX/XX/XXXX of each month. I sold my vehicle to XXXX on XX/XX/2020. Capital One Auto Finance sent message vehicle was paid in full XX/XX/2020 and title will be released. They reported my payment as 90days past due even though account was paid off.
Product: Debt collection

I received a XXXX XXXX XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX in XXXX Ohio. I was admitted XX/XX/2018 and discharged XX/XX/2018. I never left the hospital and all of my care was received inpatient. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX visited me at bedside as required, he was the attending physician that day. As a XXXX patient, I was covered by both XXXX XXXX XXXX and private insurance. He submitted a bill & was paid as follows : XXXX XXXX Billed to Insurance {$9300.00} Insurance Covered- {$8800.00} Remaining Responsibility {$450.00} Coinsurance {$450.00} XXXX XXXX XXXX Billed to Insurance {$450.00} Insurance Covered {$0.00} Remaining Responsibility {$450.00} Not Covered {$450.00} The {$450.00} was not paid by XXXX XXXX because his office submitted it as an outpatient visit and my insurance company rejected it because I was inpatient and it was part of the my care billed above. 

Despite numerous calls, letters, conference calls, etc between me, the doctor 's office and the insurance company, his office refused to correct the billing code which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX ( CPT ) so my insurance would not pay the bill. They also state this is an attempt at " balance billing '' which is not permitted. 

The result was that the bill was then sent to me, I again tried to explain the problem with the coding to no avail. The debt was sold to a collection agency where it still is today. 

I do not owe this debt. This is a medical debt and should be removed from my credit report.