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

My XXXXXXXX XXXX XXXX XXXXXXXX Visa credit card is lost/stolen. The XXXX XXXX XXXX XXXX Visa account number is # : XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all XXXX bureaus resulting in removal from my credit file. on XXXX it appeared again I called the company, and the information they gave me was inaccurate. I told them my correct address and they said they were going to update the inaccurate information with the correct information I gave them now they are using the information I gave them to validate this account. I contacted capital one 's fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX ID # XXXX  XXXX a XXXX in fraud and dispute. it has been over 90 days and full investigations by all 3 bureaus. and XXXX XXXX has violated my rights to fair and accurate reporting. I am attaching proof.
Product: Credit card or prepaid card

I received a Target card in the mail that I never applied for. Credit limit {$500.00}. The gentleman that I spoke to in regards to the fraudulent account did say that there had been multiple transactions made with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card XXXX that was opened on XX/XX/2022 and in perfect standing. It was removed from the report and my score dropped over 100 points. I cant get an XXXX from anyone at the bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company and they did nothing about it. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX TRIDENT ASSET MANAGEMENT, LLC {$100.00}, {$260.00}, {$140.00}
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Mortgage

My Heloc mortgage was transfered from XXXX XXXX XXXX to Shellpoint Mortgage a few months ago. I had some initial issues getting in contact with them to make a payment the first few months. Now the shellpoint home page where I have made payments before is not working and when I call the customer service number the phone line has been disconnected. I have tried other numbers listed for them and none of them go through we are currently trying to sell out property and get appoved for a new loan and it is making that process impossible since I can't get ahold of the company to make a now past due payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name. I am requesting that all such accounts and inquiries be blocked and permanently deleted from my credit report, as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Below are the accounts and inquiries I am requesting to be blocked and deleted : Fraudulent AccountXXXX 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 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: Checking or savings account

Overdraft fees when I had an account with navy federal. I can no longer access the account as I do not have an account with them anymore and they wont talk to me without setting up an account, but I know for a fact that I was charge overdraft fees numerous times on both my checking account and line of credit.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 


As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A person from the number XXXX called me today at XXXX Eastern Time, and said their name was XXXX XXXX, and freely rattled off the last 4 of my Social Security number and my name as if it were not a protected number. I asked for the name of this person's company, and they initially refused to give this information: it was not until I pressed this person calling me about what company they represented that I was told that they were from XXXX XXXX. I explained that any part of my Social Security number is issued by the United States Government, and should not just be rattled off at the beginning of any conversation, and used as a way to traumatize or intimidate someone. Also this person XXXX XXXX had no problem continuing with the conversation by freely rattling off my date of birth, which should also be protected information, almost as a way to torment or taunt me that she has this personal identity information. This is dangerous business practices and abuse of my personal information, and if they're doing this to me, they are doing this to other people; please help. Thank you.  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One XX/XX/2020 I received a notice in the mail that Equifax had received my Certified Mail. They received a Letter of Correction request to my Equifax credit report along with a copy of the Notice of Nonsuit dismissing the referenced matter. 

I checked on the status of my dispute online and it states the following : The disputed item is not currently reporting on the Equifax credit file. Public Record : Judgment XXXX I spoke with XXXX who is a representative from Equifax today on XX/XX/2020 to inquire about the meaning of the above response from Equifax regarding my dispute. She explained that the response means that Public Record : Judgment XXXX is not currently report on my Equifax credit file. I explained to XXXX that my dispute is regarding the account XXXX XXXX not Public Record : Judgment XXXX. It clearly shows on the documents that I sent Certified Mail to Equifax that the account I am disputing in XXXX XXXX. I also included the exact format that the account shows on my Equifax Credit file. XXXX was able to confirm the discrepancy and she was able to confirm that XXXX XXXX is currently on my Equifax credit file. She also confirmed that she was able to view that documents that I sent Certified Mail. 

I asked XXXX how can this issue be resolved and she stated that the only thing that could be done is to open a new dispute case to reinvestigate the dispute. My follow up question was does that reset the dispute case date to todays date of XX/XX/2020 and she stated that was correct. My dispute was accepted on XX/XX/2020. Which means they have about 13 more days to properly confirm and complete the dispute case. According to the information that XXXX provided me they now can reinvestigate the case which would technically reset the date, which gives them 30 additional days. Again, Equifax was already confirmed they have received my documents through Certified Mail. The status of their investigation is also not updated as Completed in the system. 

By law Equifax has 30 days to send me ALL of the information stated in the letter. If they don't get it to me within 30 days they have to remove it. In addition, If Equifax sends me anything that doesn't include EVERYTHING listed in the letter then they have not met the requirement. 

As a consumer I have rights and those rights can not be ignored because Equifax has demonstrated obvious blatant ignorance of my well-documented dispute.
Product: Credit reporting or other personal consumer reports

Errors showing late payments appeared on my recent credit report, which is not consistent with my payment history. Please make corrections and update my account.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found accounts thats either reported in error or not mine. This inaccuracy is affecting my credit standing.
Product: Debt collection

Recently called on XXXX XXXX about my credit getting messed up I was told that they are still reporting my payments late even though I am on a payment plan due to me not working I am consistently keeping in contact with them I started off late on XXXX XXXX XXXX  when hurricane ida hit and this company still was charging interest took months for city to get back up I wasnt working roof caved in was lot going on I told them that pause payment for two months then that was it but I was school bus driver and schools still were closed so had no income due to that they were aware of that they continued hitting my credit report ply this company has been sued plenty of time in other states for over charging interest in car loan as well as my state I recently found out they over charged me also Louisian state law says it is illegal for them to charge me over 12 % in interest charges which they did they violated the law by charging me 22.99 % in interest thats why I am still struggling to get rid of these payments with that being said I would Like them late payments to stop Hitting my report because I have been making payments every week I am on payment plan also would like them late payments removed from all three of my credit reports XXXX it is illegal to be reporting that I havent making any payments when I am
Product: Credit card or prepaid card

I canceled my Capitol One credit card.on XX/XX/. I have a rewards balance due owed me of {$56.00}. The company told me that a check would be mailed to my address within 60 days. 

73 days later. XX/XX/, and no check has arrived. I called the bank at XXXX to ask them to send me my money. Their automated answering system asked me to verify myself by my social security number since I did not have my card number. 

After going around in circles with the automated system, I finally got to talk to a live person. I reminded them that they owed me money and that it hadn't arrived within the time period they communicated. I asked them directly to send it immediately. The representative said they had to verify it was me. They would not accept the phone number I gave them to send me a security code. They sent me a web page link to my phone that brought up a blank page. They asked me for a land line and I don't have one. 

All this in attempt to verify my identity and send me a check that they were suppose to send anyway. 

I got transferred to another person who attempted the very same steps. I think they do not intend to send me the funds they owe me. I wish to file a formal complaint.
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX XXXX Rep to fill out this report because of unauthorized inquires in my file. Please remove all these unauthorized inquiries from my report. This is hurting my credit score and giving false information to future creditors. 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 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

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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
Product: Bank account or service

The bank deducted from my account a daily charge of {$5.00} without my consent because supposedly it was in overdraft. I was not informed of this new policy from the bank and today XXXX/XXXX/16 I closed my account with Banco Santander.
Product: Mortgage

On XX/XX/XXXX, Wells Fargo sent me check for {$770.00}. The cover letter did not explain what the check was for but it did reference my mortgage loan account number. I did not cash the check. On XX/XX/XXXX, Wells Fargo wrote again asking me to cash the check. I did not. 
Since XXXX I have been in litigation in SC state court regarding my XXXX mortgage loan. Among other things I have learned that Wells Fargo forged my loan application along with supporting documents to either underwrite my loan application or to create a justification for denying my modification requests. In addition, I discovered that the man who closed the loan was not a licensed attorney as required by SC law. 
I was a class member in the litigation titled In Re : XXXX XXXX " XXXX  '' Mortgage Marketing and Sales Practice Litigation, Case No. XXXX. Although the case was settled, I was denied a mortgage modification, as were most class members. Now, I understand that a new class action lawsuit has been filed regarding these unexplained checks, XXXX XXXX XXXX Wells Fargo et al., Case No. XXXX. I am interested finding out about these checks and their connection, if any, to my state litigation as well as my continued interest in obtaining a mortgage modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 provides important protections for consumers ' privacy rights.

604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681b ( a ) ( 2 ), states that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written consent for such disclosure.

Section 1666b of Title 15 of the United States Code prohibits creditors from treating a payment as late for any reason under an open-end consumer credit plan.

My rights to privacy and consent have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the Fair Credit Reporting Act and XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Product: Credit reporting or other personal consumer reports

I pulled my XXXX reports from XXXX, XXXX XXXX XXXX and I noticed XXXX has furnished this account as a charge-off/collection. A charge-off is a canceled debt where a form XXXX must be issued to the consumer. I recently contacted And spoke to a representative and was informed that this account was sold to a collection company. This account has been XXXX by GOLDMAN SACHS BANK XXXX and I need to file the XXXX form with the IRS as income. An account can not be a charge-off and a collection at the same time. GOLDMAN SACHS BANK USA has furnished this account as a charge-off, in violation of the Fair Credit Reporting Act 15 USC 1681 . GOLDMAN SACHS BANK USA a furnisher of information, is prohibited by law from reporting inaccurate information. The IRS defines a XXXX XXXX as canceled debt. When a debt is cancelled a FORM XXXX must be issued. The IRS states that a canceled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.
Product: Credit card or prepaid card

Citi has declined my dispute regarding an item I did not receive. I previously had a complaint through the CFPB, but they still rejected it and my case was closed. The Complaint ID was : XXXX. Attached is additional proof.
Product: Mortgage

Auction year : 2012 Wells Fargo, the bank many times denied me the mortgage modification and took away my house by foreclosure.
Product: Credit reporting or other personal consumer reports

i am writing to file a formal complaint regarding an unauthorized credit inquiry made on my credit report. The inquiry was conducted without my consent or authorization, and I am requesting your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ) and 15 U.S.C. 1681c-2.

I did not provide written or verbal consent for the credit inquiry in question. Under the FCRA, credit reports may only be obtained under specific circumstances where the consumer has explicitly authorized the request. I have not given permission for any third party to access my credit report, and I dispute the validity of this inquiry. which this is a violation of consumer law
Product: Vehicle loan or lease

Om or about XX/XX/XXXX I purchased a vehicle jointly with my son from XXXX. XXXX and in XXXX we were contacted by XXXX XXXX in regards to us making a payment to them instead of XXXX XXXX. I asked them to provide information on the obtaining of the contract from XXXX XXXX  as we were not aware at the time that XXXX XXXX  had been shut down by the federal agency. I went to the XXXX XXXX  location in XXXX NC and found they were out of business and I stop making payments to XXXX as of XX/XX/XXXX. XXXX XXXX repossessed the vehicle in XX/XX/XXXX but begin to report to the credit burearu that my payments were current and they had possession of the vehicle. XXXX XXXX has since reported to the credit burearu that I missed XXXX payments in order to destroy my credit. All payments that I made to XXXX XXXX  had been removed which also negatively impacted my credit score because it appeared I did not have an auto loan nor had I ever had one. Now XXXX decides to report the vehicle as being in good standing as of XX/XX/XXXX but the car was repossessed in XX/XX/XXXX. XXXX XXXX continues to call demanding money for the car when they informed me that they were selling the car at a private sell on XXXX XXXX. They send me emails and continuously call my phone when I no longer have the vehicle and do not internd to honor an unlawful contract which was deemed unlawful for various reasons by the federal agency. We spent all our savings to purchase this car and now we have no car and due to the false reporting of XXXX we cant get another car if we wanted to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection letter from eastern account systems representing XXXX XXXX. I did not receive a formal response to my dispute.

I had internet/ phone service with XXXX from approximately XX/XX/XXXX to XX/XX/XXXX. I NEVER received an accurate monthly bill having been required to call each and every month I had service to dispute the charges. Some months the bills were adjusted, some months they werent.

At the end of my service, I was asked to return there equipment in postage paid boxes which I did. I was billed for that also. All this information was provided to eastern credit which they apparently ignored? I have copies of all my bills with dates, names and resolution each time I called. No one has asked for any of this information! 

Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Co ( FMCC ) initially took charge of an account balance that was left over after the repossession of a former car. A payment agreement was entered in to sometime in XXXX XXXX of XXXX. During that time, no information was reported for the account ; nothing regarding its status, previous payments paid, etc. In XXXX of last year this account was paid in full. FMCC did not update the information to the bureaus in a timely manner, resulting in a credit dispute filed on my end. At that time, FMCC updated the account to show as " Charged Off '' as recently as XX/XX/XXXX. This is inaccurate information. The account was not charged off in XXXX of last yar, and the intentional way in which FMCC reported it has made it look like I have a very recent chargeoff on my credit report, which has caused untold damage in the way of credit card denials and sky-high interest rates offered on auto loans.
Product: Payday loan, title loan, or personal loan

PNC stole my entire XXXX XXXX of XXXX dollars just to get me out of town. They judge me because I'm XXXX. Oh well, not XXXX  enough to do what they do and try to collect on debt issued that is not my debt. XXXX XXXX helped me but she also lied and didn't consider any reasonable method to produce the solution. She transferred me a debt collector who was not the XXXX in XXXX XXXX. No. Not a bit intimidating but shameful like a cupid without an arrow. Please help these people.
Product: Credit reporting or other personal consumer reports

'I am writing to delete the following information from my file.The items I delete are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible '