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

XXXX XXXX I Last reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$710.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$550.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$530.00} Needs Attention XXXX XXXX  Last reported : XX/XX/XXXX + {$460.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX+ {$300.00} Needs Attention XXXX XXXX I Last reported : XX/XX/XXXX+ {$68.00} Needs Attention DXXXX XXXX XXXX Last reported : XX/XX/XXXX+ {$38.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT CONTROL Account # # # # # XXXX {$3900.00} Account # # # # # XXXX. {$120.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Va XXXX XX/XX/1971 XXXX XXXX and credit control cooperation failed to do a proper investigation I am requesting the procedure of there investigation. Under the FCRA they are required to respond and be 100 % accurate of the debt validation letter 15 U.SC 1681 section 602A States I have a right of privacy 15 U.SC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions Please delete these accounts immediately unless you want to be XXXX {$1000.00} per valetation
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 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 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: Debt collection

I am a victim of identity theft that I believe occurred during a vacation in Florida where I lost my purse. I did not receive any money, goods, or services as a result of the identity theft. Since I have noted collections accounts for apartment leases and a utility bill. The credit agencies and creditors have refused to remove this information after multiple attempts to clear my report of these unlawfully gained accounts.
Product: Checking or savings account

I received a welcome letter with blank checks from Comerica Bank stating thanks for opening a checking account with us. I did not open an account with them and called and canceled and they advised to also put this report in
Product: Vehicle loan or lease

Note that this complaint is related to complaint # XXXX On XX/XX/XXXX, my wife paid her car loan from our joint account with XXXX XXXX XXXX XXXX XXXX which recently bought out our bank her in Connecticut ( XXXX XXXXXXXX XXXX  XXXX XXXX She used the new bill pay app from XXXX XXXX XXXX The old app added the decimal point to the left of the last two digits input, the XXXX XXXX XXXX  app added the decimal point at the end of the digits input. This caused an overpayment to Carmax our loan company of {$57000.00} on a payment that should have been {$570.00}. 

XXXX XXXX XXXX XXXX never notified us of the overdraft, and we didn't learn of it until receiving the title to the car in the mail. 

We immediately went to the bank on XX/XX/2022 to have the charge reversed and they claimed there was nothing they could do as it was an ACH transaction and we would have to talk to Carmax to get our money back. 

We spoke with Carmax representatives in the afternoon of XX/XX/2022 and eventually spoke with XXXX at XXXX and he told us that the reimbursement would be a check that would be sent out within 6 business days. We were quite relieved. However at the end of eight business days ( XX/XX/XXXX ), when we called to follow up, the reimbursement process had not even started yet. XXXX stated that Carmax had to wait 10 business days in case the bank reversed the payment. In our previous conversation there was no discussion of waiting an additional 10 days. Further as the bank says, an ACH payment is available immediately to the recipient. 

My question here is, which is it? You can't say its available immediately and there's nothing you can do from the bank side, and also say that you have to wait 10 days because the bank might reverse it. Someone is either misinformed or lying. In the meanwhile, {$41000.00} ( the amount difference between what we paid and what we owed on the car ) of our money is tied up and unavailable to us. Why were we not told of the additional 10 day " hold '' on our money to begin with?
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report, as the details listed below do not pertain to me. I request the immediate removal of this inaccurate data. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting

XX/XX/XXXX my identity was stolen in XXXX Nevada they moved to XXXX opened a phone in my name never paid on the bill my identity has been traveling all over recently in XX/XX/XXXX I notice a loan being taken out of n my name I do n't have loans I do n't need a loan and to top it off I have been having problems with XXXX paying my doctor bills because of their system always saying inactive when it 's active. I show several bills on my credit and I need them off because the insurance should have taken care of it I called I complained I sent the copies to the welfare office on greenbae in XXXX Nevada. They should have all my documents I should have a clear report by now I filed bankruptcy in XX/XX/XXXX because XXXX did not pay none of my doctor bills while I was XXXX and not the hospital bill rounding out to being XXXX I had to have my father pay XXXX to get me out of debt to a lawyer. And wait 10 years for t to come off I do not want to have to do that again. So please tell me what I need to do to get these bills out I am not working at this time I can not pay thousands of dollars especially when I have had insurance for and they are n't paying for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I gave back the XXXX XXXX back to Santander USA car finance. The never sent me a statement for the sale of the vehicle. When I spoke with them by phone the explained to me that the loan was satisfied and the account was paid in full. XX/XX/XXXX I got an alert from the credit bureau that a new account has been reported to my credit report. I call Santander USA and stated my account was paid in full and was close. I ask the representative to email me a copy of the statements and they never did. How can a company say for almost five years the my account was paid in full. Later sell a account to a debt collector that close. This is an attempt to defraud me for a none valid dept.
Product: Mortgage

I have tried by the means of obtaining a modification in the loan, but it has not been possible, they always disqualify me for one reason or another, I understand that investors, bankers, lenders, opportunists, this situation is convenient in the economy is specifically with the Housing in all the United States, where an inflation has been created in an uncontrolled way, in my understand A created situation. 
I hope this agency will be in charge of thoroughly investigating the situation that is actually living in this nation with reference to homes. 
This company that I have the investor administrator called ( Nation Star ) now ( Mr. Cooper ) have been approaching thousands of properties throughout the country, making mortgage executions in most cases violating the law of the law of ( Respa ) The Real Estate Settlement Procedures Act Was A LAW PASSED by The United States Congress in 1974 and Codified as Title 12, Chapter 27 of the United States Code, 12 U.S.C. 26012617 ( Tila ) The Truth in Lending Act of 1968 is a United States Federal Law Designed to Promote The Reported Use of Consumer Credit, By required disclosures about its therms and cost to standardize the manner in which Costs Associated With Borrowing Are calculated and disclosa. 
I hope from this agency your collaboration in the investigation of this ( Mr. Cooper LLC ) of its administration as they are carrying out all these procedures that take steps required by law, and which in my opinion are not doing it, the law is The law and nobody should be above it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX 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

In accordance with the fair credit reporting act XXXX 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 or other personal consumer reports

On XX/XX/2023 I sent a letter to the company requesting that these inquiries were initiated by me. These unverified inquiries violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. These inquiries are showing up on both my Equifax and XXXX reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I opened an account with Okcoin for {$100.00} to purchase crypto currency XXXX XXXX ( XXXX ). The money was transfer to XXXX XXXX XXXX XXXX from my XXXX checking account. About 2 weeks ago I decided to withdraw my money which was about {$130.00}. Okcoin took out it's sevice fee than told me my account was in withdrawal suspension.The reason given was that the XXXX transfer failed and my account was opened with pre pay credits.I spoke to XXXX and they confirmed the transfer was sucessful and the {$100.00} was debted from my checking account. I called Okcoins customer service number and spoke to someone named XXXX and he told me if I wanted to withdraw my money I would have to deposit {$1100.00}, than hung up on me. I called back and spoke to someone named XXXX and he told me to " XXXX XXXX '' than he hung up. I have been writting e-mails to Okcoin and getting responses from someone named XXXX who keeps telling me either the transfer failed or today received an e-mail stating that now I had to fill out more paperwork as a security check in order to confirm my identity. The Okcoin reference numberwith XXXX and Okcoin is # XXXX. Any help to get back my money would be greatly appreciated but more important is to stop this scam and fraud of Okcoin. Thank you, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVE THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Product: Vehicle loan or lease

On XX/XX/XXXX the vehicle I least was involved in a total loss accident. On XX/XX/XXXX the insurance company sent XXXX to Ally Bank for a payoff. On XX/XX/XXXX Ally posted the payment. On XX/XX/XXXX I contacted Ally to pay the XXXX deductible, and was told by Ally to wait till the account was finalized because the amount may be adjusted because of the Gap insurance on the lease. On XX/XX/XXXX the account was charged off as bad debt for XXXX saying my account was delinquent for two months, it was not delinquent. My credit dropped 50 point just as I am in the middle of a refinancing on my home. When the account showed up on my credit I immediately paid the XXXX and I still have no idea why I was billed. I have asked Ally to send me a breakdown of the bill and also correct my credit report and have been told by 3 different  operators, they dont do that and all they can send me is a paid in full bill.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. Credit reports are still showing that the money owed was still there. Yet, here we are, having paid the amount through their vendor, that these phonies chose. Now the company is still knowingly, and falsely, reporting that monies is owed, when it is not owed. 
This company stated that this would be removed last week. It is still there. It is not my problem that they chose a vendor that takes over 30 days to pay them. I paid the full amount plus. These phonies and frauds need to do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize these inquiries.
Product: Checking or savings account

I have spoked with Chase banking representatives who keep transferring me to different departments and are unwilling to remove the hold on my account. They are rude and disrespectful and are not allowing me to use my chase debit card with the XXXX logo. I have completed the steps with my email address to verify that I am able to use the card. Why is the fraud department harrassing me and asking me to step inside a branch. I am XXXX and do not feel comfortable steeping inside a branch. This is a invasion of my privacy. Please assist me. Thank You.
Product: Credit reporting or other personal consumer reports

I have a loan and a credit card attached to my account that are fraudulent. XXXX of XXXX I filed a complaint with the Federal trade commission regarding identity theft with these accounts. I have never authorized and know nothing about these accounts. 

On XXXX I Certified Mailed All 3 Bureaus With Handwritten Letter Alond With Birth Certificate, SS Card, Valid ID and Utility Bill With My Correct Address. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX My address has also been tampered and my whole XXXX account is not reporting due to this identity theft. Fraudulent Accounts : XXXX XXXX XXXX TransUnion certified mail receipt number : XXXX XXXX XXXX certified mail receipt number : XXXX XXXX certified male receipt number : XXXX XXXX
Product: Debt collection

they have place a debt on my credit reports of XXXX and did not call me or speak to me. plus they did not send me any verification of this debt. contract or anything.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about about whom the report relates. The following account [ XXXX XXXX XXXX ], is not accurate. 

[ XXXX XXXX XXXX ] open and closed date is inaccurate with the amount of $ {$21000.00}. This is not my account, I've never given my consent to open this account, according to the credit fair act law called 15 U.S.C. Sec. 1681i. By law, I have rights to challenge anything I am not sure is accurate. I also have a fraud alert on file on my account to prevent acquisitions like this. Please investigate if every piece of information is correct. If not please remove it from my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, Equifax Board members sold some of their stock. Consumers did not learn of this for about 75 days! 

Equifax as a company should not be allowed to exist. It should not be allow to simply change its name. Equifax board members, executives, information technology staff and other employees involved should be punished for what they  have done to the citizens of our country. 

In the future, Equifax, XXXX, XXXX and similar companies must have comprehensive review and oversight.
Product: Credit reporting or other personal consumer reports

Consolidation Loan was forged and submitted to Dep of Loan, using a address not mine, different state - use my SSN and Employer, XXXX XXXX, loan was not initiated by me nor are the References in the DEPT of Ed loan anyone I know, phone and email. submitted copies and False Certification Form, Forgery form with supporting documents, Nelnet, XXXX XXXX continues to enforce loan with no proof of identity, misrepresentation, threat to garnish wages and seize account on forged loan. XXXX supplied a Reimbursement and Adenmity noted the Promissory Note as Altered and manipulated, identity theft police reports provided FTC supporting information for stolen identity Fraud use of information and violation False Claims Act, defraud the Dept of Education and Government , College, money excess XXXX provided to unknown fictitious college recipient. Wire Fraud, 18 USC 1343, False Claims Act 31 USC 3729-3733, USC 1028 , Identity Theft and Bank Fraud 18 USC 1344 , Theft of Public Money 18 USC 641 , False Statements 18 USC 1001, Higher Education Act Violations 20 USC 1097 .
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX This is completely inaccurate. 
XXXX XXXX XXXX This is not mine. 

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

There are two collections on my credit report that showing I have a balance I have contacted the crediting report to have them removed and provide proof of evidence that I have a XXXX balance I accounts have been closed. Ive been doing this for over eight months. this is my eighth letter out to the credit report and it still hasnt gone away. 

Here are the collections and accounts they are being reported incorrectly, and then acting my life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

old address wrong last name on my credit personal informations
Product: Student loan

THere requesting proof that i didn't have a high school diploma at the time of enrolling and i've submitted several time my transcripts ( see attach ) XXXX XXXX shows i received a certificate of completion and blue shows my GPA it even goes on tp the date the transcripts were printed underneath the XXXX XXXX to show i still to this day do not have a High School Diploma or GED per the XXXX XXXX XXXX XXXX XXXX. 
Also to add XXXX XXXX XXXX XXXX XXXX can not provide such a letter your requesting per the school Board and the State of Florida Rules. The Only thing they can provide is a letterhead that says just what my transcripts say. 

Then they ask me to get proof that i didn't do a competency test from XXXX and i did inform them that time i was enrolling they didn't ask me and when i did ty to get this info was not on file and furthermore XXXX required high school Diploma they were not a trade school and only trade schools did competency test.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have challenged XXXX, XXXX and Experian about a discharged bankruptcy on my credit report. They saying that they contacted the court to verify the account and they absolutely can not do this because the court does not update, or report the file. They haven't told me who they spoke with in the court, a phone number or when. They can not because I have an actual letter from the stating that they do not take calls in regards to bankruptcies. These credit bureaus have stated a lie. Please see the documentation proving this.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer under 15 U.S. Code 1681o. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in 15 U.S. Code 1681n and 1681o, if this matter is not resolved promptly and accurately. The following items to be removed are as follows : XXXX. XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a LOT of complaints for the past months but there are still FRAUDULENT ITEMS on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. Please REMOVE it from my credit report. This accounts are not MINE.