23daVinci/CFPB_Complaints huggingface dataset:
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 p

rotected consumer rights to privacy and confidentiality under 15 USC 1681. 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: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX. Last activity, 2. Balance, 3. Date opened. 4. Last payment date and 5. Closing date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX Experian XXXX Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance $ XXXX $ XXXX $ XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closing Date XXXX - - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Activity XXXX. XXXX XXXX ( Finance ) ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX XXXX ( Finance ) ( XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Finance ) ( XX/XX/2022 ) XXXX. XXXX XXXX ( Bank ) ( XXXX XXXX ) XXXX XXXX XXXX ( Bank ) ( XXXX XXXX ) I want to report these authorizations/ hard inquire as fraudulent activity and I do not recognize any of these loans or hard inquires this is actually a shocker to me being that I always check my credit score. I noticed this first on XXXX XXXX when I checked my credit report on XXXX XXXX and noticed these hard inquires.
Product: Student loan

My mom and myself got a Loan for XXXX University for {$2700.00}, it was hard enough to get accepted for that little of a loan because I was XXXX and went off my parents income and they " made too much ''. That was the only loan we applied for. I transferred to XXXX a semester later and paid completely out of pocket. I then went to beauty school and graduated from XXXX XXXX all out of pocket. We did direct withdrawal for my loan and canceled it when the payments should have ended. Well, Navient kept calling me demanding more money so, I asked them.. how much do I owe?? they said {$8000.00}!!! I go online and sure enough it says I have second loan for {$5500.00} for XXXX. So I demanded my promissory note for that loan and Navient could not provide my note for the XXXX loan but did for my XXXX XXXX. I get on federal student aid and again, no promissory note. So i try and dispute it ... after 6 hours of being thrown in circles they send me to the ombudmans group, who sent me to XXXX, who sent me back to ombudmans. I called XXXX 's financial aid and requested my payments with them and they have no evidence of a loan received for that XXXX amount. In fact my parents saved {$50000.00} for me to go to college and we paid out of pocket and before it was due and every school I went to called me into financial aid to tell me to STOP paying SO much and early because it was messing with their system as they wernt expecting {$10000.00} payments in advance.. I have checked my credit reports on all XXXX major credit reports and it shows my payments I was making towards my XXXX loan was dispersed to both loans, without my knowledge and before payments were even due for the fraudulent XXXX loan. So, I have two issues, I have a fraudulent loan I never received for {$5500.00} and I have payments that I have made that were not applied to the correct loan, resulting in high interest fees and phone calls every day demanding I make a payment and that I can go into forbearance and they are calling collections on me! It has been so stressful, I have been disputing this for 2 months now, nearly every day I have cried.. my parents have fought, my family has cried and cried over money we cant come up with because my parents think im lying and took this loan out.. another issue.. I live in Nebraska and the date of this XXXX loan ... I would have been XXXX XXXX XXXX and needed a parents signature as in the state of Nebraska you 're not an adult until 19 years of age. So again, its wrong! I have paid my student loan off and I never took out a second loan, nor did i receive, nor am i paying for it.. also the interest on my original XXXX loan is ridiculous because i made payments EARLY and on time every month!
Product: Credit card

My card was used by someone else multiple times per day and they ran up over {$1000.00} in charges at locations I never visit. Upon noticing these charges, the card was replaced and all transactions were reported as fraud. Citi came back later and said I was responsible for these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Ma'am I am DEMANDING ALL inaccurate and unverifiable information be removed. I was told earlier this year that all inaccurate information would be removed, however, I just received an email from Experian WITH MY WRONG NAME. WHAT THE XXXX IS WRONG WITH YOU? 

DELETE ALL INFORMATION I HAVE DISPUTED.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item l below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccurate information is very detrimental to my credit rating. 
XXXX XXXX XX/XX/2024 - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was damaged when I placed it on third party app called XXXX. XXXX XXXX  renter nearly totaled the vehicle and abandoned it 77 miles away from my home. XXXX was completely useless for the first 2 months and did not assist me or even start a claim with their insurance until my car was repossessed, due to impound fees. XXXX tried to fraudulently claim that my vehicle was stolen while rented by their driver, but the driver was actually involved in 2 accidents that day, not just the one resulting in $ XXXX in damages and the abandonment of my property. My good credit was ruined because Wells Fargo reported it as a repossession, eventhough there were no late payments on the account. I had even contacted Wells Fargo a month prior to the repossession and was told that as long as I continued to make my payments on time, that they would not get involved. This was a complete lie because now my credit has been ruined with this negative account reporting to public records. I feel very taken advantage of in this situation. XXXX intentionally waited to open claim with their insurance because they always intended to claim the car as theft. Wells Fargo was made aware of the situation and lied by stating that they weren't going to repossess it because they had no right to so long as the payments were made.
Product: Vehicle loan or lease

Company Sold vehicle and did not provide any details or documentation. They did not send a 1099c form to my mailing address nor my email. Though it is listed as a charge off.
Product: Checking or savings account

My mortgage company Mr. Cooper made a fraudulent unauthorized ACH charges to my XXXX XXXX XXXX XXXX  account in amount of {$2400.00} 6 times for a total of {$14000.00}
Product: Checking or savings account

On XX/XX/XXXX a deposited was made and out on hold until XX/XX/XXXX. The deposit has finally cleared and Bank of America is not letting me access my funds. I have tried to solve it with their fraud detection department and they are not giving me any information for this problem to be solved. Rent has been overdue and they are holding my funds. I spoke to a representative named XXXX she is a manager in the department and she couldnt help me resolve my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize these inquiries. I am requesting that the inquiries be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Once student loans went back into repayment, I applied to be put into the XXXX plan on XX/XX/23 which my application is still " pending '' 2 months later with MOHELA loan servicer. When checking on my online account, I was unwillingly placed into " administrative forbearance '' with out my consent. During this time there is 3 different areas on my online account that states I owe 3 different amounts ; NO payment due, {$30.00} due and {$75.00} due. How am I supposed to know which one to pay? I tried calling about 3 weeks ago before XX/XX/23 when payment was due and I was placed on hold for 2 hours and they eventually hung up on me. Now, I get a notification that my loan interest is going to be {$15000.00} and will be added to my principle balance. Number 1, where are they getting these interest numbers? and 2, interest should have been stopped during the covid forbearance? There has been NO CLEAR communication by MOHELA during any of this repayment OR the fact that I applied to be placed into a different payment plan. What they are doing is fraud and taking advantage of a very confusing time. They should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

I paid off my mortgage loan in XXXX of this year. When the lawyer went to cancel the Mortgage at the XXXX XXXX in XXXX, he realized that the mortgage wasn't registered, so it could not be cancelled. 

I made XXXX complaints to the bank without response. 

Today I called the bank again and they told me that I had to make arrangements to contact the lawyer who did the closing in 2004 to make a new deed and present it, that the arrangement wasn't with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In was looking over my report and I see you guys marked me as XX/XX/2021 on this According to the law SYNCB/Care Credit you are not suppose to do this. I entered in an agreement to settle this account under such duress during Covid. I even made an attempt to write a goodwill letter to address my concerns. 

In accordance with the Fair Credit Reporting Act XXXX SYNCB/Care Credit has violated my rights.

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experience between the consumer and the person making the report are not included in consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. XXXX, TransUnion and XXXX all violated my federally protected consumer rights by publishing information to my credit report without my consent. As a consumer I am federally protected from these types of corporate high tech identity thefts. These is the information / accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are also XXXX inquiries on my XXXX credit reports. TransUnion, XXXX, and XXXX have all committed fraud and violated my rights under 15 USC 1681 section 602a. that states : I have the right to privacy. I want it.
Product: Credit card

My Macys account is due on the first of every month. Since I have had the card I have paid on the XXXX PRIOR to the due date. And have paid over the amount due. In XXXX my XXXX XXXX auto pay did not come out of my account and rather than calling me - on the XXXX of XXXX just 5 days late they cut my credit off and shut me out of my account so I can not even see my credit profile - I have made the payment and they still are locking me out - please look into this - you will see that is what happened and they are stating in a letter it is becasue my XXXX report shows a seriuos derogorty item which it does not and I have submitted a complaint with them as well. Macys has been the worst credit experience of my LIFE and I did read the reviews but thought it would be different for me I guess? 
thank you for your help.
Product: Debt collection

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked them to send proof of ownership but they haven't complied with my request yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX Account # 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Product: Credit reporting, credit repair services, 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 Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. section 2,3 5 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 record of comradiarmac which 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 XXXX 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. Also the inaccurate information on my names and addresses Ive disputed to no avail. Multiple hours spent calling all 3 agencies and nothing. Disgrace to Me as a Human and The Consumer Laws that Protect Me. 

Accounts : XXXX $ XXXX XXXX $ XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX hard inquiry XXXX XXXX XXXX  XXXX Hardy inquiry XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX All Hard and Soft Inquiries Must Go as I have No Written Permission Period All My Right Were Vilated Under Laws 15 USC 1681 Section 6060029
Product: Credit card or prepaid card

We cancelled a XXXX XXXX due to Covid. XXXX issued two credits {$680.00} on XX/XX/XXXX and {$31.00} on XX/XX/XXXX to Chase AARP credit card even though we no longer used that credit card. XXXX  policy is to put the refund on card that was used for deposit, even though we told them we no longer use that card. Chase was taken over by XXXX & we didnt activate XXXX XXXX. Both banks, Chase & XXXX can not locate any of our account information. XXXX will not refund our money because they say they no longer have the funds. XXXX says to contact banks collection department. We have gone in circles, contacting all again.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, I have a right to dispute inaccurate report. I am contacting you to dispute the reporting of XXXX XXXX XXXX. The account reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement '. I have the right to an accurate credit file and discrepancies like this are unacceptable. 
The account reporting is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. A monthly payment should not exist after a repossession has occurred. 
I have sent three Debt Validation Letters, two of which were a USPS certified Debt Validation Letters, to the company with no response back from XXXX XXXX XXXX. 
Please investigate this matter and have them delete the disputed item ( s ) IMMEDIATELY.
Product: Mortgage

Bank of America Mortgage Account XXXX was incurred as part of a normal XXXX mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence XXXX, which was located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The last payment activity on this account occurred in XXXX and has been reported to the credit reporting agencies for 7 years. Bank of America has stated that the charge off that its reporting occurred in XXXX and that the charge off will be reported for 7 years. However, the Fair Credit Reporting Act ( FCRA ) states that negative information must be deleted from our credit report after 7 years from the first delinquency, which for this account occurred in XXXX. By law, this account must be removed from our credit file and B of A must stop reporting the information to the credit agencies as it is past the 7 year reporting period.
Product: Debt collection

I have sent several debt collection validation letters to the company with no response, they have destroyed my credit and as per state bureau which i have attached they are not licensed in the state of New York where i reside to collect a debt. I want this deleted off my credit report immediately or i am suing!