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

I filed a dispute with Experian because XXXX keeps reporting negative information on my report without providing me any proof that the debt is valid. 

Experian told this agency that they needed more time to invest my complaint on or about XXXX XXXX. A few days later, I got an email stating there is no error because company responded with a few sentences. As a result, I was given a site to upload information but shortly after using site, was unable to provide additional information as to why this debt does not belong to me. 

This is unethical and just a tactic used to keep me in bondage. The collection agency has not provided me with any information to proof that the debt belongs to me and neither has Experian. Therefore they should not continue to report negative information with out it being verified as in documentation and not just a bunch of sentences. See my proof below
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ACCOUNT NUMBER- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau 's continue to report a repossession on my credit after I have disputed it several times.. I continued to let them know the debt does not belong to me. This has been disputed every month since of XX/XX/2018and lastly disputed on XX/XX/2018 ... Also the continue to report wring names and addresses I've never lived at. I've sent in numerous of copies of my drivers license and a copy of my social security card along with copies of my bills to verify my address.
Product: Student loan

When I was first supposed to start paying my student loans in XX/XX/XXXX I was able to push back my payments because I wasn't able to pay yet. I was concerned by how much I was supposed to be paying monthly. I contacted Naviant in XXXX of XXXX to ask about income based payments and I wasn't given any options, I was just told I would not qualify due to my yearly income being higher than my debt. However, when I started paying my student loans in XXXX of XXXX I found that I was struggling to make payments but was told I made too much money even though my gross income was significantly lower than my loans on my XXXX w2. I still struggle with my monthly payments but anytime I've attempted to fix this I was dismissed.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section for I am no longer RETIRED Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( XXXX ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : 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

The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I'm requesting a thorough investigation in a timely manner. Thanks
Product: Mortgage

THIS IS A COMPLAINT AGAINST PHH MORTGAGE. THEY CONTINUE TO MANIPULATE AND PLAY WITH DIRTY HANDS. WE ASKED THEM TO VALIDATE A LOAN BALANCE THAT SHOW DIFFERENT TOTALS IN XXXX DIFFERENT PLACES. INSTEAD, THEY SENT AN UNSOLICITED BOGUS AND FALSE VALIDATION WITH A MISLEADING LABEL AS A LOAN PAYOFF. 

THIS LOAN HAS BEEN PAID OFF - PHH MORTGAGE SHOULD CORRECT THEIR RECORDS. BALANCE SHOULD BE XXXX Copy : Consumer Ombudsman, PHH Mortgage/Ocwen XXXX XXXX XXXX XXXX, PHH Morrtgage Subject : You sent a False, Misleading and Grossly Incorrect Loan Balance Hiding Behind an " Unsolicited and Deceitful Loan Payoff '' A. We did not ask for a Loan Payoff. The loan has been paid off - we ask that you immediately correct your records. Balance should be XXXX. 

You are in violation of the FDCPA for manipulative practices and providing fraudulent and false loan balances ( under the guise of a loan payoff ), and unfairly misrepresenting that it would fall as a loan balance validation. There is no evidentiary, historical detail that can be verified and audited. Again, our loan and the thousands that you are servicing should be audited. There are totally different loan balances in 3 different places. We demand a full audit by an appropriate government regulatory agency. 

MOREOVER, THE LOAN HAS BEEN PAID OFF AND IT SHOULD REFLECT AS XXXX BALANCE. 

B. It seems you are again manipulating the situation with your unfair practices. 

1. Again, we did not ask for a Loan Payoff. The loan has been paid off.

We Might Not Be the Only Member of this Class 2. We wanted to check if your accounting has any semblance of correctness and accuracy - and sure enough, there appears to be no accuracy - NONE. It is false, grossly incorrect. 

If this is happening to us, it is entirely probable that it is happening to thousands of mortgage holders whose loan you are servicing. 

3. The balance you are showing is totally different from what your counsel showed, and different from the last statement. You appear to be making things up, " padding the numbers ''. 

Your mortgage accounting should be audited by the appropriate government regulatory agency. And we have the proof that you appear to be manipulating loan balances. 

If this is happening to us, it is entirely probable that it is happening to thousands of mortgage holders whose loan you are servicing. 

You are in violation of the FDCPA for manipulating loan balances and making false, inaccurate and misleading loan validation. If this fraudulent and false balance remains uncorrected, we will not be constrained to report this matter to the Department of Justice, Fraud Division and request a full investigation.

We believe the CFPB should fine and penalize PHH Mortgage for an amount not less than {$5.00} XXXX as an effective deterrent to others. 


XXXX XXXX XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX.my car was stolen and i fouled a police report... i don't understand why my case was closed and that was put on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a real live person just trying to live their life. Within my right as a citizen I am trying to refinance my home and purchase a car. Because of the XXXXXXXX XXXX XXXX XXXX  my score is still going down. 

Explain. I opened a XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  for use for my grandchildren. Shouldnt be anyones business. Immediately reported on my credit report. 

I opened an XXXX Account for business. I got hit with points for opening new accounts I paid down accounts got XXXX points Put in an application for a car loan a couple of places- got points taken away Creditor pulled XXXX I got rate of 6.95 XXXX I got rate of 9.25 Put in for a home loan - got points taken away XXXX XXXX XXXX is still reporting the Balloon Payment I previously disputed! 

Whats Fair about this?

I
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report eight fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan opened at XXXX XXXX XXXX XXXX XXXXXXXX under account number XXXX multiple student loans opened at the Department of EducationXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , as well as fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 's ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous account on my credit report that were not open by me. This has been hurting me as I am in the process of buying a house for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit card or prepaid card

I have had a Bank of America credit card for 21 years. In XX/XX/2021 I noticed several fraudulent charges appear on my account within a couple days. I called Bank of America and advised them of the fraudulent charges and they immediately closed the account, issued a new card and account number, and began the process of refunding the charges. I received the new card within a few business days and the fraudulent charges were resolved and credited back to my account within a couple weeks. On XX/XX/2021 I noticed a fraudulent charge post to my account. I called Bank of America and advised them of the fraudulent charge. After several minutes, they advised me that the charge actually posted to my previous account number, the account that had been closed 5 months prior. I asked how this was possible and they said they weren't sure but that it was related to the original fraud claim in XXXX. Bank of America advised they would again close the account, issue a new card ( even though the charge was made to a previously closed account number ) and resolve the fraudulent charge. A few days later, I noticed my credit card was still active and had not been closed. After 30 days, I had not seen the fraudulent charge credited back to my account. I called Bank of America again and asked why the charge had not been credited back yet and why my account had not been closed. They advised that fraud charges can take up to 60 days to resolve. That seemed excessive to me since they handled the previous fraud charges within a couple weeks. They weren't sure why the account had not been closed and a new card had not been issued. I told them to completely close the account as I was no longer interested in having an account with Bank of America because I had no confidence in their fraud protection abilities. They said they would close my account. I waited another 30 days and my account was never closed and the fraudulent charge had still not been credited back to my account. For the third time, I called Bank of America and asked why my account had not been closed and why the fraudulent charge had not been resolved. Again, they didn't know why the account had not been closed. This time they advised that fraud claims can take 60-90 days to resolve. That is completely unacceptable for a single fraud charge to a closed account number that was clearly their fault. I again requested that they completely close my account and remove my information from any contact list as to not receive any correspondence from Bank of America. It appears after the THIRD request, they closed my account. I'm still waiting to see the fraud charge credited back to my account, which at this point, will have to be a check sent to me in the mail.
Product: Checking or savings account

I am a current customer with First Interstate Bank. I am awaiting a two electronic deposits from the Veteran 's Association and the XXXX XXXX and Accounting Service. As of the XXXX of XXXX, I have not received my deposits. I contacted First Interstate Bank to inquire about the status. I was told that 'they are having trouble with their system and can not give me a timeframe as to when this issue will be resolved. ' I am bemused as to why First Instate Bank has not been transparent with their customers. When you log into their website, nowhere does it state that they are having any issues. Nor does their social media indicate a problem. I find this troubling and deceptive.
Product: Checking or savings account

I am filling a claim about Wells Fargo bank in regards of the settlement money that they need to pay me due to their errors that's caused me numerous charges and fees.
Product: Debt collection

I've disputed this account over and over again and National Credit Audit has never responded in anyway! They are however reporting to my credit! They are breaking the law! Please help me!
Product: Checking or savings account

On XX/XX/2018 I initiated a XXXX  transfer through my Citibank mobile app in the amount of {$1300.00} to my landlord for rent payment. As usual I logged onto my app and initiated a payment by selecting my landlord 's email address on the list of contacts. On the night of XX/XX/2018, she contacted me to advise that she never received the funds. I looked in my list of transactions and the money was taken out. I looked further on the list of XXXX transactions and realized it indicated that the funds went to an unknown individual. I called the bank and they opened up an investigation. The investigation then resulted in them claiming that I initiated the transaction by entering this unknown individual 's XXXX digit telephone number. I advised them that I did no such thing and this has to be some type of fraud where someone intercepted this transaction. I appealed the decision which resulted in them claiming that I mistakenly inputted the phone number. I appealed it again as I've only sent transactions with email addresses and individuals that I know who are on my contact list. I've visited 2 branches and tried to get help with no luck. I tried calling the unknown individual when this all started with the advise of the citibank rep who opened up the initial investigation. I spoke to the woman who claimed that she had 3 bank accounts and she would have to check each one. While on the phone with her she checked her Citibank account and her XXXX account. She said no funds came in. She then strangely said that her third bank account with Bank XXXX XXXX was recently closed and that is the bank that is associated with the phone number I called her on. She then went on to say that the phone she picked up was her daughter 's. She said she would confirm and get back to me. She never got back to me and after the first appeal with Citibank I went to a branch in XXXX, NY. While with the bank rep we attempted to call the number together only to discover that the phone number was disconnected. On XX/XX/2018 during my second appeal, I requested the documentation from the first investigation. On XX/XX/18 they mailed me a screenshot of their system which basically just states that " names do not match. Funds not available. Funds will not be returned ''. They did not look to see if this is fraud, they only looked to see that the names did not obviously match and refused to look deeper. If this is a fraud where people are diverting funds during a transaction, it must be investigated properly. I did not input a phone number when initiating this transaction. I also attempted to contact XXXX because citibank claimed that once the funds are posted and out of my account, the funds are in the XXXX network and they can not do anything. When I contacted XXXX, they state that unless the transaction was performed in a XXXX XXXX, they cannnot do anything.
Product: Debt collection

Details of the Incident : On XX/XX/year>, at XXXX XXXX, I sent a certified letter ( Tracking Number : XXXX ) to Trans World Systems at the address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA. In this letter, I disputed their claim that I owe {$9800.00} on account number XXXX and requested validation of the debt. 

Despite the legal requirements, Trans World Systems has not responded to my letter within the 30-day timeframe. As a result, this failure to respond violates the FDCPA and FCRA. 

Key Points from My Letter : I requested competent evidence bearing my signature, showing that I have or ever had a contractual obligation to pay Trans World Systems. 
I informed them that any negative mark on my credit reports ( XXXX, XXXX, and XXXX ) from their company or any company they represent for a debt that I do not owe is a violation of the FCRA and FDCPA. 
I instructed them to take no action that could be detrimental to my credit reports pending the outcome of my investigation of any evidence they submit. 
I stated that failure to respond within 30 days would result in small claims legal action against their company, seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the FDCPA, and violation of the FCRA.
Product: Credit card or prepaid card

On XX/XX/XXXX I booked a flight from XXXX  to XXXX  through the Ultimate Rewards program of Chase using XXXX of my rewards points. I received confirmation email of the itinerary. One hour later I received another email tell me that my flight was cancelled. I did not know the reason. 

On XX/XX/XXXX, I called Chase customer service asking them to refund my points. They said that because I initiated the cancellation, they could not refund my points. 

It is very ridiculous because I didn't initiate the cancellation at all. Because Chase cancelled my trip, I had to get up at midnight on the night of XX/XX/XXXX to book another flight from XXXX  to XXXX. However, Chase said they could not refund me the points and they had to follow the policies with the airline companies. 

I spent 70 minutes talking with Chase customer representative and could not solve the issue. They just kept saying I initiated the cancellation, which I did not. 

It is unbelievable!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is ( XXXX XXXX ). There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I I Filed a complaint number ( XXXX ) with the CFPB to ( TransUnion ) and they responded that they sent it to the company however This company has failed to address this complaint and they didn't notate the dispute on my credit reports. I have attached screenshots for proof.