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

XXXX XXXX XXXX has violated my Consumer rights. Pursuant to 15 USC 1692c. ( c ) I notified XXXX  XXXX in writing that I refuse to pay this alleged debt, and I am demanding that they cease all forms of communication with me through all mediums except by postal mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am Invoking my specified remedy as a consumer, and the original creditor I am demanding ALL of the following On the XX/XX/XXXXth of every month the account must have a XXXX Balance. Keep this revolving account open indefinitely. Increase my credit limit on this open-ended credit plan to {$50000.00} every month. Remove all monthly balances owed and report Zero owed for every reporting month, since the beginning of this account to all credit reporting agencies. Pursuant to violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments Stop Illegal reporting of late payments to all consumer reporting agencies. Remove all late payments reported to all consumer reporting agencies. I would like all payments I MADE SINCE THE BEGINNING OF THE ACCOUNT ON XX/XX/2020, returned back to me via mailed check and any part of the amount of the credit balance remaining 15 USC 1666d ( C ). Failure to respond to my Cease and Desist and honor my demands within 30 days will result in me the consumer pursuing legal litigation.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Upon inspection of my credit report, I noticed the following information is incorrect : My full name is : XXXX XXXX There should be no other names listed on my report. Please remove any other names you have listed as they are incorrect. 
My date of birth is reported incorrectly, my correct date of birth is : XX/XX/1988. 
My social security number is reported incorrectly, my correct SSN is : XXXX My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Any other addresses are undeliverable, and I have no access to them. Please remove any incorrect addresses immediately. 
My current employer ( s ) : XXXX XXXX. 
There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect. 
Attached is the supporting documentation to validate my dispute. Please update your records promptly.
Product: Student loan

I was sent an IDR renewal and on the letter it says that if my IDR renewal date falls within 6 months of XX/XX/XXXX or in other words before XX/XX/XXXX it will be extended by 1 year. I look in my account and it says my renewal is today XX/XX/XXXX. I called mohela several times last time spoke with supervisor XXXX ( XXXX ) on XX/XX/XXXX and was told that indeed my IDR deadline will be extended by one year to XX/XX/XXXX but that they can't update this information on my account in a timely manner. I have been on hold with mohela for over 2 hours because they said they may be able to send written documentation as proof for me to have... which was submitted as escalations documents IDR but one on XXXX and one on XX/XX/XXXX but they cancelled XXXX and flagged the other as a duplicate. 

Request mohela to update my account to reflect my IDR recertification deadline extended by 1 year to XXXX or XXXX of XXXX and send me a letter to that effect. It is very confusing to get one information on the phone and another in the account with its various warnings and such. I can't afford to make any mistakes.
Product: Mortgage

I logged into my account to see how the payments were being reflected. I had noticed that the amount being deducted from my bank account did not show accurately on their statements. I also saw that payments starting from XXXX were showing as suspended. I don't take calls from spam numbers and if they tried emailing me it could have gone to a spam folder, I did a search and found nothing. I tried the auto chat, and was transferred to a customer service rep, XXXX, and she asked my name, then asked that I log into my own account. She stated it's their policy that even if there are 2 people on the account, they have to log into their own account and then she left the conversation.
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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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: Payday loan, title loan, or personal loan

This is a reply to XXXX. 

I am now believing that Service Financial may have altered or been given false information from the contractor. 

We are requesting : # XXXX ) The original contract # XXXX ) The release from the owner of the house that signed off when the work was completed. 

# XXXX ) Any additional contracts that the contractor is claiming to have with the owner of the house. 

I am willing to entertain the idea that Service Financial may have been misled by the contractor or representatives of the contractor. The person that was working for the contractor was terminated shortly after my issues with the incomplete job.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since 1997. Same guy. Lives in the XXXX / XXXX XXXX areas of Georgia. He has complete access to my credit report. 
I have frozen, locked and pay {$300.00} a year to Exquifax and still can't keep this person from invading my credit report, getting credit cards and even when he was arrested ( according to XXXX XXXX ) for identity theft, used my name when arrested. 
I have made police reports, filled complaints, blah, blah, blah. 

Still no protection. I just found he even wrote a comment on MY credit report to call HIS cell phone if any changes are made to my credit report. 

Just because I'm not a senior citizen, rich, famous or lost money, no one really cares. 
If it happened to you, you'd care.
Product: Debt collection

I recurve a copy of my credit report.. I am concerned about the infirmary being reported. Please investigate the following accounts, because I do not believe the information to be accurate. Please remove the inaccurate information from my credit report. Credit acceptance..Last for digits of XXXX XXXX is XXXX account that is in direction violation of XXXX XXXX 
XXXX ( b ).. 
XXXX XXXX... 
XXXX XXXX. 


According to the FCRA, accounts that have been disputed by the consumer, must be noted as such. I have repeatedly stated that this account was opened up fraudulently. Your failure to investigate this account, and notate it as such is in violation of the FAIR CREDIT REPORTING ACT! please remove it Immediately from all XXXX  XXXX XXXX
Product: Mortgage

I called Wells Fargo Mortgage while I was XXXX to see if there was any assistance they could offer. They advised me I could have a 6 month forbearance and would not be marked as delinquent and at the end of the 6 months they would review my account and put me on a plan to pay the amounts I was behind. At the end of the 6 months they marked my credit report late during the months I was in forbearance. I called and the corrected it then they told me I had to fill out an application for a loan modification. I have filled it out 3-4 times, sent the documents in 4-5 times. They have lost it, can't find it, took it out of review, put it back in review. They have changed my case manager 4 times and the last one, XXXX XXXX is as rude as they come. They told me they don't take emails ( which is how I sent the documents ) and they tell me to go to www.wells.fargo.com/assist and I can't or have never been able to get onto that website. I am home with a broken ankle with no access to a fax machine. I have been trying to get this resolved since XX/XX/XXXX and they won't process my loan modification or tell me what is going on. I have been sending them $ XXXX {$700.00} every two weeks to try and catch up and sine my mortgage is {$1200.00}, they send me checks for {$200.00} back saying I over paid?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states they can not furnish an account without XXXX  instructions. 
XXXX XXXX XXXX XXXX creditor may not treat a payment on a credit card account under an open end consumer credit plan as XXXX  for XXXX  purpose in accordance to the fair reporting this creditor has violated my rights This late payment should not be on there XXXX clearly explained to the creditor that XXXX XXXX having XXXX  and they know this and gave XXXXe a grace. I also had gotten COVID at the time and was not employed which I expressed. Also on XXXX  XXXX  report it is showing that the late payment was on XXXX, but on another XXXX  it shows I payed XXXX and it was late on XXXX there is a miss match there as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; If XXXX and TransUnion feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting

Account was taken over by XXXX. Credit history showed account in good standing from XXXX XXXX through XXXX XXXX. In XXXX XXXX the account was reported to the credit bureaus as 90 days late. No information was reported in XXXX XXXX, and account showed current in XXXX XXXX. It is impossible that there could be a delinquency of 90 days in a month of 31 days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.
Product: Credit card or prepaid card

around XXXX to XXXX XXXX of my money was withdrawn from my edd card. I never used my edd card for anything but to withdraw money from offical bank of america banks. i should add however a week or two before these mysteries withdraws atm swallowed my card and when i tried to get it back the bank denied me. saying they werent allowed to open the atm. So after months of waiting BoA indicated that they had determined that this was NOT a case of fraud and that the transaction was authorized
Product: Credit card

I was enrolled in a Paypal Credit Program without my knowledge. After receiving a paper statement in XXXX I immediately submitted a complaint to PayPal about the fees and charges and within XXXX payments paid the entire balance, excluding these fees. After receiving a no response regarding my request I contacted customer service via phone and was advised a XXXX time waiver of approximately {$35.00} would be issued but PayPal credit refused to waive all charges in excess of {$100.00}. Likewise I was informed that I could not speak to a supervisor because they do not take calls. Subsequently I have no other course of action other than submission of a complaint via CFPB.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX , XXXX ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to Continental Finance. I called XXXX, and a representative said it was a Visa that I had opened XX/XX/XXXX and closed XX/XX/XXXX. I never opened a Visa XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted Continental Finance, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry MasterCard, not Visa, and thus the debt could never have existed. 

I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year> @ XXXX ; XXXX. XXXX XXXX, XXXX for Navy Federal Credit Union received payment for all the account stated below. 


XXXX cash rewards card ending in XXXX mastercard plattinum card ending XXXX Consumer loan-ending in XXXX
Product: Credit card or prepaid card

I get these " warnings '' quite often : XX/XX/XXXX Dear Customer, Your Accounts at Chase has been disabled due to attempted failed login.

Due to security reasons, we have disabled your accounts at Chase.

Follow the link to recover your account and prevent further disabling of your card and protect your account Recover Your Account If we determine the transaction ( s ) was/were authorized or correct. We will reverse the funds from your account and notify you.

Your Personal Details is protected by advanced online technology. For more, you can review our online privacy policy. 

Thank you Sincerely, Chase Customer Care Chase Privacy Operations, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Chase Online and Chase Mobile are registered trademarks of JPMorgan Chase & Co . 

XXXX JPMorgan Chase & Co .
Product: Credit reporting, credit repair services, or other personal consumer reports

During a security clearance check a fraud account was discovered reported by XXXX against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX where I work, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my security clearance and job over their false reporting.
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 sent multiple letters to the 3 credit bureaus, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 


CHILD SUPPORT ENFORCEM Account # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1980 ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX
Product: Checking or savings account

On XX/XX/ I tried to make a ATM deposit. I tapped the machine with my card and then entered my pin. I touched deposit button and a screen said deposits weren't available at that ATM at that moment. I didn't make a withdrawal or take any money from the ATM. The next day I noticed my account had a withdrawal of {$200.00} from that ATM and I have only one card and it is on my possession at all times. I filed a transaction dispute with Wells Fargo and they denied it becuz they said there were no signs of fraud. Since it was my card and a pin number was used. They told me that was the only information they used to determine their outcome. I told them I did not do it and it was either an ATM error or someone else used the ATM after me. I pleaded them to use the ATM video for their " investigation '' they flat out refused and said the case was closed and there is no further action can be taken. All I wanted was for them to check the ATM video and they could easily see I did not withdrawal anything. I have since filed a police report in hopes of obtaining that video becuz that is the only evidence that exist. I really don't want to take this to court but at this point I'm so mad I will.
Product: Debt collection

So they started it off on my credit report back in 2018 with a different amount, and then have progressively continuously changed the date opened on the credit report every single year to reflect the current date to look like just opened the account within the year, and just kept putting or adding more money to the amount that they say that I owe them. Have had this particular debt on my credit report now since 2018 consecutively changing the date the debt was opened, every single year so they can continue to reapply it back to my credit report over and over and over again. 4 companies keep doing this me and I don't understand how they can get away with checking my credit report with a hard inquiry and then turning around and changing the credit reporting date every single year to a new date when I quired with both of these companies and I sent them a formal written letter. Requesting complete verification, and clarification that's neither company replied to me with any information I gave them over 60 days to reply, and now have tried to dispute all of these delinquent bills on my credit report, but they keep coming back and putting them right back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided a letter from the courts indicating they do not verify or validate bankruptcy, yet XXXX keeps sending a notice to the CFPB indicating the bankruptcy has been verified.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the unauthorized inquiries that have appeared on my credit report. Despite my diligent efforts, including multiple written letters and numerous phone conversations with representatives from the credit bureau, these inquiries persist without resolution. Not only do these unauthorized inquiries cast doubt on my financial integrity, but they also impede my ability to achieve my goal of purchasing a home. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy of the information in my credit report. These unauthorized inquiries must be addressed and promptly removed by the provisions outlined in the FCRA. 

The following unauthorized inquiries must be removed from my credit report immediately : XXXX XXXX - XX/XX/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 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 - XX/XX/XXXX These unauthorized inquiries misrepresent my financial standing and unfairly obstruct my ability to secure a home loan, which is essential for my financial stability and independence. 

I kindly request your assistance in advocating on my behalf to ensure the timely removal of these inaccuracies from my credit report. Your support in navigating this matter and upholding my rights under the FCRA is greatly appreciated.