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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following names, accounts or inquiries : Name : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX Accounts XXXX U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00}, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$200.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; Inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXI XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has recently come to my attention that a fraudulent account has been reported to my credit report by XXXX XXXX XXXX. I have no relationship with this company ; no contracts exist between myself and this company, nor has any contract ever existed. 

Furthermore, I have perfect payment history on all of my accounts. I have no late payments or collections of any kind. 

I sincerely appreciate your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had falsely put a balance on my credit in which I reached out to them and they did remove the balance and sent me an email proving it. I go to XXXX XXXX to dispute it also uploading a photo for proof but you guys are saying that the information is accurate. So its clear that someone didnt do they job and follow up.
Product: Debt collection

XXXX XXXX, amount XXXX name XXXX  XXXX  XXXX  this report is not my
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. 

Account name XXXX XXXX XXXX, account number XXXX, Account name - XXXX XXXX  account number XXXXXXXX XXXX XXXX xxxxxxxxxxx XXXX, Account name : XXXX  Account number xxxxxxxxxxx 1631 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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer repoeting agency may make any consumer report containing any of the followong information. Any adverse item of information, other than records of conviction of crimes which antedates the report of 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 or other personal consumer reports

The following company has not received written consent to have the account listed below to be furnished on my credit report. 

XXXX XXXX XXXX Account Number XXXX opened on XX/XX/2021 2021
Product: Credit card

Sometime early in XXXX  Capitalone issued new credit cards changing their card service provider with now simplicity. Having for many years each of my accounts set up on autopay, I was shocked to discover auto pay was declined, return, charged a {$56.00} fee from my autopay account and then subsequently charge a {$28.00} late fee and returned check {$28.00} fee on my Capitalone credit card. I immediately when to another personal bank account directing a payment so as to assure I completed my monthly obligation to Capitalone. Never-the-less after multiple calls to Capitalone no there understood the issue nor would assist in any manner. I subsequently as directed contacted their local cafe ( some 50 miles away ) and they merely directed me back to the XXXX service number. 

Now nearly two months chasing what happened Capitalone send me a email explaining their new service provider had an ongoing technical processing issue regarding transactions charges including autopay and more which I tried dozens of times to explain to their support service only falling on deft hears. 

I have requested Capitalone remove and credit each charged fees ( now over {$210.00} ). I have marked their new Simplicity card as not secure and paid off my account their in full. 

As an aside, I have been an account holder with Capitalone for over 15 years, with checking, and multiple savings accounts for myself and my grandchildren. I understand my accounts are not of any significance as Capitalone might measure like 95 % of america.
Product: Mortgage

This is a continuation of complaint XXXX. I have 3 issues : Issue 1 : On XX/XX/XXXX, I received a letter dated XXXX about why my request to remove to PMI was denied. The explanation stated that my account was delinquent and did not qualify to have PMI removed. 

My account was not delinquent -- I was granted a deferral and deferred 2 mortgage payments. I have never been delinquent. I believe that the CARES Act states that you should not be penalized for a deferral. ( Side note : my deferral was reported to the credit agencies and my credit rating took a hit and I had to make calls to restore my credit ). As my loan has been transferred to Mr. Cooper, this point is moot but I would like to report XXXX for unfair practices. 

Issue 2 : Neither XXXX or Mr Cooper have a copy of my loan modification agreement that was signed ( I believe ) in XXXX. I have requested this document several times. I would like one of these companies to provide me with a copy of the agreement. 

Issue 3 : My loan balance is {$190000.00}. I also have a non-interest bearing principal balance of {$6100.00}. I deferred two payments -- each about {$1400.00}. Since I modified the loan to have the deferred amount put on the end of the loan, I expected to see a balance of about {$2800.00}. No one ( XXXX or Mr Cooper ) can give me a breakdown of what that {$6100.00} includes. I request a detailed breakdown. When I call customer support they are equally as confused and can't tell me why the discrepancy. 

Thank you. 

XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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 block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : XXXX ; XXXX XXXX  XXXX Balance : {$65.00} ; XXXX XXXX XXXX Balance : {$80.00} ; XXXX XXXX  XXXX Balance : {$15.00} ; XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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: Debt collection

I have already escalated the outstanding debt on my account to EdFinancial multiple times. I have provided your team with the police report and escalated the Treasury check issue to law enforcement.

I am requesting your team to REMOVE the interest accruing on my account while we await a resolution from Treasury. EdFinancial has PROOF that I have never received the refund check and have statements proving that I fully paid off this debt in XXXX through XXXX XXXX XXXX. I was NEVER informed of a refund check being mailed out by either Treasury or Department of Education. 

Treasury is claiming that your team at EdFinancial has NEVER filed a claim that my check was stolen. I have submitted multiple disputes and a police report and your team has all the phone call records and notes dating back to XXXX of XXXX. The check was cashed in XX/XX/XXXX. 

Please RE-ESCALATE this issue to Treasury. I have identified that the outstanding debt is a result of a Treasury sending out all of my payments through a mailed check that someone STOLE and cashed in at XXXX XXXX XXXX XXXX  in XXXX in XXXX. 

I have sent proof.
Product: Credit reporting or other personal consumer reports

I have had stolen identity multiple times and I do not recall getting the XXXX. I have requested a debt Validation report and the company. They are asking me for the information to validate the debt. I have an email from them stating that they can not validate the account with the information I did. Since requesting the debt validation report, they have refused to have any more contact with me has increased the balance of my closed debt on my Trans Union report.
Product: Credit card or prepaid card

I received an alert through my XXXX card on XX/XX/22 alerting me that a new account had been opened in my name. I reviewed the new account alert which showed a USAA account opened on XX/XX/22 in the amount {$24.00}, XXXX. I did not open this account. I called XXXX 's fraud department to report that I did not open the account. XXXX transferred me to XXXX where I continued to report the fraud. I then called USAA to report the fraud as well.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the presence of multiple inaccuracies and contradictions within my most recent credit report that I obtained on XX/XX/year>. In light of the massive security breaches regarding individuals ' Social Security numbers and the fact that in the last 10 days I have received two separate letters from two separate organizations notifying me that my personal information was stolen, I am concerned about the accuracy and integrity of my credit report.

Upon reviewing my credit report, I noticed several discrepancies, not only when cross-referenced with the two major other consumer reporting agencies, but also within the report itself. I have identified numerous violations, but instead of detailing each one for you, I am requesting that you perform your grave duties and due diligence and conduct a thorough investigation into these inaccuracies. If these inaccuracies can not be corrected to a point where they uniformly show the same information across all reporting agencies, they must be deemed frivolous and should be deleted. 

One specific example I will highlight for you is the account listed as " XXXX XXXX '' which is marked as " Potentially Negative '' with a reported 30-day late remark. However, this same account is listed as " Pays as agreed '' on all other consumer reports, with no negative remarks. This discrepancy is unacceptable and must be corrected. 

In addition to the XXXXXXXX XXXX account, I request that you review and correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX as previously mentioned ) I also demand that you investigate and correct or remove the following inaccurate inquiries : XXXX XXXX XXXX XXXX You have 14 days from the receipt of this letter to review and correct these inaccuracies or delete the information. Failure to do so will result in further action being taken to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX  account # XXXX XXXX XXXX collection has violated my rights.This account is inaccurate and needs to be deleted off my credit report. The last active XX/XX/XXXX date does not match last reported date XX/XX/XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. The last active date XX/XX/XXXX does not match last reporting date XX/XX/XXXX. A collection account can not report as open account. 

XXXX Account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date of last payment XX/XX/XXXX is 3 months different than date of last active date on account XXXX SHOWS WRONG ACCOUNT NUMBER XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. It shows no monthly payment no past due balance no date of last payment. 

XXXX XXXX account # XXXX has violated my rights.This account is inaccurate and needs to be deleted. The account number is inaccurate on report # XXXX shows no past due amount. 

XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. No date of last payment or past due reported. 

XXXX XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date has no last payment or past due. 

The following addresses are inaccurate and need to be deleted from my credit report XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following inquiries has violated my rights and are inaccurate. Needs to be deleted from credit report : XXXX XXXX XXXX 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 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

Despite the death of my wife, charges were made to her account. Over several months attempts were made online and via phone calls to dispute the charges and refund the money. Charges were eventually reversed. The bank refused to release the money despite providing a death certificate by mail and a copy of the death certificate via online. Today the rep requested proofs of payments by showing my bank statements. The rep acknowledged there is money in the account. 

I am getting runaround dealing with different representatives of the bank from the end of XX/XX/2021 to now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending letters to Transunion regarding my issue for a while now but I still haven't gotten the results I'm seeking. Theres a number of errors and accounts that do not belong to me on my credit report. Having them on here is ruining my credit score and holding me back in life. Additionally, it takes up to 30 days each time just to hear back from them. I know this is standard procedure but it's a really painstaking wait each time and the accounts are still reporting. Thank you in advance for your help with this matter.
Product: Student loan

Navient student loan- I have ask for a lower paying option and they offer to place it in a forbearance which has caused my credit score to drop and also raise my loan higher.
Product: Credit card or prepaid card

My vehicle was broken into and among some of the items that were stolen when was my current prepaid debit card and I was within the cardholder agreement it's terms said if this type of issue arises and you report it in a certain time frame they will give you a charge back credit they denied my dispute I submitted a police report and the last thing I heard from them was they were not going to give me a charge back because I put money on the card which makes no sense you're supposed to put money on the car that's how you can use it please do something this is wrong and has financially set me back more than I care to go into.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage initiated with XXXX XXXX XXXX than transferred to Ocwen Loan Servicing. My last payment on the mortgage account was with XXXX XXXX XXXX in XX/XX/XXXX, no further payments was made on the mortgage account. No payments from XXXX XXXX-present date. Seven years for the delinquent status on the mortgage account would have matured in XX/XX/XXXX. Ocwen Loan Servicing or XXXX are been fraudulent reporting information and or investigations because the information has been removed from both XXXX and XXXX XXXX. In addition XXXX also conducted another investigation on my credit report which was resolved by XXXX and XXXX XXXX by removing from my credit report because the creditors ( Child Support Service ) said that it was an error reported on there behalf and XXXX refused to remove.
Product: Money transfer, virtual currency, or money service

Sent the wrong number money on zelle and XXXXXXXX XXXX told me they couldnt do nothing with it bc it was a separate entity
Product: Credit reporting, credit repair services, or other personal consumer reports

There are creditors listed on my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate credit inquiries listed on my TransUnion credit report. Specifically, I dispute the following inquiries : Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are inaccurate because I did NOT apply for credit with any of these creditors, and I do not recognize these inquiries. I have already contacted TransUnion directly and have not received a satisfactory resolution. 
I request that TransUnion investigate these inquiries promptly and remove ALL since they are inaccurate and unauthorized according to the Fair Credit Reporting Act.
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, according to 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2L states that a consumer reporting agency can not furnish an account without my written instructions/permission.

15 U.S.C 1681c ( a ) ( 5 ) Section States : A consumer reporting agency can not make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of conviction of crimes, that antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States that 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.