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

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

the ins funds and funds from the trustee are not being posted to my account while i have completed the forms nation star has requested me to complete to have the funds posted. i requested a payoff and the amount i was a fraud amount the pay off is showing XXXX i was told they would not post the funds to my account at all that they would use these funds for other charges .. there are no other charges on this account as the entire amount was in bk XXXX from spring leaf
Product: Credit reporting or other personal consumer reports

Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXX card balance {$12000.00} Opened XXXX XXXX, XXXX XXXX credit card balance {$21000.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX credit card balance {$2600.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$1200.00} Opened XXXX XXXX, XXXX XXXX credit card balance {$1000.00} Opened XXXX XXXX, XXXX XXXX  balance {$2200.00} XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX balance {$5700.00} Opened XX/XX/XXXX XXXX XXXX balance {$640.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  balance {$490.00} Opened XXXX XXXX, XXXX XXXX XXXX balance {$0.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX balance {$4100.00} Opened XXXX XXXX, XXXX XXXXXXXX XXXX balance {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Opened XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX balance {$9300.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX balance {$9500.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  balance {$1200.00} Opened XXXX XXXX, XXXX XXXX XXXX credit balance {$580.00} All of these are a result of identity theft and fraud And reported it to FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Additionally, I have reached out to the furnishers and they agreed to remove the accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I graduated in XX/XX/2009. When my loans went into repayment, I was unemployed. Both myself and my co-signor were receiving incessant phone calls regarding payment and threats of credit reporting, lawsuits, and default. In order to avoid these issues, I was told I need to put my private loans into a forbearance. I was not provided any additional options including, but not limited to, rate reduction programs, income driven repayment programs, or federal loan consolidation. When I applied for a forbearance I was not provided any documents, paperwork, or additional information informing me that interest would be capitalized to principal. After applying for the initial forbearance, I was not contacted by the student loan servicer ( XXXX XXXX or Navient ) until two years later. It was at that time I was informed that the unpaid interest had been capitalized adding tens of thousands of dollars to my private and federal student loans. During the pendency of my forbearance, I would contact the servicer ( XXXX XXXX or Navient ) and inquire about my loan status. I was informed that it was in forbearance and no payments were due. After the loans had capitalized, I contacted the ombudsman office for the servicer ( XXXX XXXX or Navient ) and was informed they could not reverse the capitalization of interest due to federal law and was offered a " new '' rate reduction program. I applied for the rate reduction program ( which I am still in ). After the appropriate period, I applied to release my co-signor. That application was denied. I was informed at that time that my co-signor would not be released because ( despite my ongoing payments ) the payments were not " level '' payments and a co-signor release would require 24 to 48 months of " level '' payments ( which I can not afford due to the capitalized interest ). I asked on several occasions during my time in the program about a release of co-signor and was never told that the co-signor could not be released while in the rate reduction program and, in-fact, was told to fill out the form to have the co-signor released and the servicer ( Navient or XXXX XXXX ) would make an independent determination. I applied twice. Both times my application was rejected. Throughout the rate reduction process I was also provided inconsistent information regarding reapplication and extensions. In addition to the misinformation, misrepresentation, and breach of fiduciary duties, there have been several occasions where payments were misallocated to interest and principal. Finally, these are mixed use loans which beyond the cost of attendance and are therefore not subject to the same type of collection actions as federal subsidized and unsubsidized loans. At the time of repayment, I was told these are student loans subject to the higher education act and that any future wages could be garnished. The mischaracterization, misinformation, and breaches of fiduciary duty has damaged me tens of thousands of dollars, caused increased payments, undue hardship to the co-signor, and an inability to establish a financial future.
Product: Credit card

I have a XXXX Bank XXXX XXXX credit card. I received a direct mail flyer over a year ago inviting me to apply for a XXXX Bank XXXX American Express credit card with a {$49.00} annual fee. In the flyer, it said that I would receive a {$49.00} " relationship bonus '' to offset the annual fee if I had any other qualifying XXXX Bank products, including another XXXX Bank credit card. So I signed up. After I was charged the annual fee XXXX, I called to inquire about the relationship bonus and was told that other XXXX Bank credit cards were not eligible for this bonus - only checking accounts and other products. In XXXX, I received the same flyer inviting me to apply for the XXXX Bank XXXX American Express card ( their system must not have excluded me ) and it clearly states that a qualifying XXXX Bank product for the {$49.00} relationship bonus may include a " XXXX Bank-issued credit card. '' I called again today and was told that the card member agreement says that other XXXX Bank credit cards are not eligible for the bonus. This is a problem - their card member agreement does not match their marketing. I would not have signed up for this card if I thought I would be charged an annual fee.
Product: Money transfer, virtual currency, or money service

I wish to practice my right as a customer of Bank of America to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with Bank of America.
Product: Debt collection

I have an account by the name of XXXX XXXX XXXX  reporting to my profile I am a victim of identity theft and would like this account removed from my profile. I am a victim of identity theft and I also had my information leaked in the XXXX data breach. I might add that the information that is reporting don't match and the social security number on the account don't even match my social security number.
Product: Credit reporting or other personal consumer reports

I recently reviewed the copy of my credit reports and I noticed inaccurate public information that is not mine. 

I have listed the inaccurate in XXXX and sent it to the Bureaus. Please see the attached file on this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$16000.00}
Product: Checking or savings account

I filed a dispute on XX/XX/XXXX with Chime about 3 transactions for {$110.00} that were not as described and defective merchandise. On XX/XX/XXXX Chime sent me a email denying my claim. I believe that they violated my rights as a XXXX cardholder. XXXX 's Chargeback Management Guidelines for XXXX  Merchants Section XXXX Reason Code XXXX.
Product: Checking or savings account

Charge was issued on my chase app under an XXXX charge I did not purchase. {$1.00} was taken out and put back in. I did not do this ; I reached out to XXXX who is calling me tomorrow ; froze my debit card, and am calling chase in the morning. The transaction is listed as a well known fraud in a XXXX search.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I received notification about a {$52.00} bill in collections that I never received in the mail stating the date of service was in XXXX. I had never heard of the original company listed so I disputed it on my XXXX  XXXX  account where it was removed from both listed bureaus. In XXXX of XXXX, I received another notification where the same bill was listed and added to my credit report again, once more without any bills in the mail or anything stating what the bill was for. I disputed it again where it was removed from my XXXX account but is not being removed from my XXXX. I attempted to call the collections company to see if I could get a breakdown of the charges to understand where it was coming from and either the numbers I tried would not go through or I would be hung up on before getting to speak to a live person. This is becoming extremely frustrating and I would like this mystery bill to be removed.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint regarding ACIMA, a retail lease-to-own company, which I believe has engaged in unfair pricing practices, specifically raising the prices of items I intended to purchase and overcharging me for the products. These actions appear to violate fair business practices, and I would like to request an investigation into this matter. 

, I made an inquiry about purchasing from ACIMA. Initially, the prices quoted were reasonable and in line with market expectations. However, shortly after initiating the purchase process, I noticed a significant and unjustified increase in the prices of the products I wanted to buy. 

The price increase and the final amount charged are much higher than I had anticipated, especially considering that these prices do not reflect the actual retail value of the items in question. I believe that ACIMA is engaging in unfair practices by raising the prices unexpectedly during the purchasing process, thus overcharging customers like myself. 

To provide further context : The item ( s ) I initially wanted to purchase were quoted at XXXX less but upon finalizing the payment terms, I noticed the price was raised to XXXX more The increased price does not seem to reflect any valid reasoning such as changes in product quality, availability, or service fees. 
As a result of this price increase, I was forced to reconsider my purchase, but I am still being charged an inflated price that seems unjustified. 
I kindly request that the CFPB investigate this issue to determine whether ACIMA is engaging in unfair or deceptive business practices by increasing prices and overcharging customers. I have attached all relevant documentation and communication regarding my purchase attempt, including screenshots, emails, and contracts. 

Please feel free to contact me if additional information or clarification is needed. I would appreciate it if you could acknowledge receipt of this complaint and provide me with an update on any steps being taken. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to protect consumers from these unfair business practices. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are multiple discrepancies on my credit report. I would like them reviewed and removed as soon as possible. And for some reason, I can not log into my account online so I would request that you communicate with me via regular mail. I want paper copies. 

XXXXXXXX XXXX XXXX  {$8400.00} technically, this account was open fraudulently and does not belong to me. I would request that you produce letter of the original debt ownership. In addition to that and feel free to check with your legal department if the account has been charged off, then it's has to be considered income on my taxes and federal law prohibits income from being reported on your credit report if you don't believe me or you disagree then I would like you to show me proof of why this account shouldn't be removed immediately from my credit report. 

XXXX XXXX XXXX first of all we've asked for this account to be closed permanently. I'm not quite sure why it keeps showing. It's open one month and close the next. There should be a XXXX balance there were fraudulent charges made on the account. We reported them as quickly as we noticed, and they approved half of them and didn't approve the other half even though all the transactions were with the exact same merchant in the same time frame and fraud is the exact same issue that all of the transactions are being disputed they approved half of them and didn't approve the other half makes no sense at all. They know very well we didn't make these transactions we've explained over and over again, apparently Bank has a long history of poor customer service and has even been investigated by the United States government There are also some unauthorized inquiries on my report. I have contacted the banks directly. They agree that they were Fraudulent inquiries, but claimed that the credit reporting agencies are responsible for removing those inquiries, but feel free to call the banks individually, and they will confirm that these Inquiries do not belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I have also never lived at the XXXX XXXX address XXXX Michigan Could you please remove that from my credit report? And I work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  years now
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit card

Bank of America has offered an XXXX Rewards XXXX for many years. We had accrued many XXXX dollars worth of points that we typically redeem near XXXX time to purchase restaurant pre-pay cards that we use as gifts. I learned today when I went to their web site that Bank of America unilaterally cancelled the program and eliminated my points. They also failed to provide information on how many points they took from me so I do n't have a total value. When I contacted them, they said they had mailed me notices, but I do not recall receiving that mail. They contend that since they told me the theft was going to occur in advance, that the theft was legitimate. I received nothing of value for the points I had accrued in return for their decision to cancel the program. I consider this fraud and an act of bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has several hard inquiries on my credit report from XXXX and XXXX. I have never inquired for any type of loan with XXXX XXXX. XXXX XXXX is reporting a credit inquiry for a business that I was once a member of and not the primary gaurantor because the company was a LLC. These inquiries for credit were not made by me. Also, XXXX XXXX is breaking the FCRA. Only personal requests for credit should be reported. The inquiry is for a business I no longer work for and do not own and it should be reported as a personal credit inquiry.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute the following incorrect information on my credit report, but as of the present date, I have not received a response. I am providing the details of the inaccurate information and the required corrections below : The following account is not mine : Creditor : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$200.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Please remove it from my credit report. 

The following account is not mine : Creditor : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX acct # ending in XXXX XXXX XXXXXXXX XXXX has violated my rights on behalf of XXXX XXXX XXXX : in the amount of {$1100.00} Under my Name and the variations of my nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. Stated 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following item of information, Any other adverse iten of information, other than records of convictions of crimes which airdates the report by more than 7 years.

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

I purchased a vehicle back in XXXX with financing through Credit Acceptance, I almost immediately after purchasing the vehicle that I was charged extra fees on top of what I was told was included in the contract .... The sales price of the car was XXXX but when I looked at the contract the sales price was XXXX. Also I was charged XXXX for a sevice warranty contract which I came to find out was never even activated by the dealership!! I reached out to the dealership to complain and also reached out to Credit Acceptance with no help from neither. I read online that Credit Acceptance has been sued for this exact reason and actions!!! I would like to file a complaint and see what course of action to take now that I have been taken advantage of
Product: Debt collection

On XX/XX/19 at XXXX they called and it was automated. I have never received any written notice from this company. I also have never had contact with them before this so I did not give them my phone number or permission to contact me via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerning the mortgage loan account of XXXX and XXXX XXXX loan : XXXX For maybe over an year since our mortgage loan was Service transferred from XXXX XXXX to XXXX XXXX  XXXX, I have been going back and forth with XXXX XXXX about radical and ongoing changes that were going on with our credit bureau accounts on all four of the credit bureaus ( XXXX, XXXX, XXXX, Innovis ). Recently we discovered that the many ongoing changes were not the work or came from XXXX XXXX. And based on what we both ( MyselfXXXX XXXX ) had concluded, the changes were being done from the four credit bureaus that I previously listed. For instance, attached is a screenshot from our XXXX  XXXX XXXX mortgage account. That screenshot shows a very different account than what is at the other three bureaus. It also shows an entire credit history being removed with other changes. This was not done by XXXX XXXX. As well, the Innovis account is only showing the current payments. These are also radical differences between the other bureaus as well. And for the XXXX, the score does not change regardless of payments being made. This account seems to be LOCKED at a set score, and the same applies to Equifax, but has gone up 1 point. In correspondence with XXXX XXXX, they had indicated that they had submitted to the three credit bureaus to DELETE the accounts for both my wife and I ( see attached ). The attach document contain a section of our correspondence that I asked them to send me separately it is dated for XX/XX/XXXX. Im not surprised that the changes had not happened yet, because it turns out there are so many other request they have made over the year that were not changed. On the accounts there are statements or other things that were added to the accounts that were not there when it initially transferred over. Where XXXX XXXX had been requesting to have the account corrected to show Service Transferred it has been showing Transferred to another office that plus some other changes they have submitted request for update and that I should be able to see the update after 5 days. Being hard to believe, this is factual of what has been going on with our credit reporting, where its clear the score have been suppressed and some of the statements on the accounts have been changed. And for more 12 months and the many request to update, it has not happened. So hopefully that attached statement from XXXX XXXX can get the accounts removed is what XXXX XXXX felt would be a better solution for us since its been impossible to get the accounts restored to what they were originally and updated as requested. And for the more than 15 years of being with XXXX XXXX, unlike anything weve been going through since the Service Transfer of XX/XX/XXXX, we have never had a complaint with XXXX XXXX or have ever had a credit bureau issue.