23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing because I recently reviewed my consumer report, and I don't know what is going on, but I have no knowledge nor opened these XXXX credit inquires on my Equifax report. I sent in a letter to Equifax with certified mail and still have not heard back or gotten any proof that I requested. Can you please help me. Dates are below and evidence. 


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

To whom it may concern, my information has been compromise in XXXX  data breaches, accounts, collection and public records has been place in my name, I have try to resolve this, but information keep posting in my credit. 
An FTC complaint has been attached to this request, please block this information from my credit file, opt me out of prescreening offers, opt me out from your systems, and notify all credit reporting agencies of this event so they can remove items as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX XXXX XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a loan account at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX on XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ), ( 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.
Product: Debt collection

I HAVE TRIED TO GET THIS ACCOUNT DELETED FROM MY CONSUMER REPORT. NOTHING HAS BEEN SENT TO ME BUT THE ACCOUNT IS REPORTING ON MY CONSUMER REPORT. The account is XXXX, and unverified and is a violation of the FCRA and the FDCPA. I HAVE NOT BEEN SENT THE ITEMS I REQUESTED. SINCE THIS ITEM IS STILL REPORTING ON MY CONUMER REPORT, I WILL BE SEEKING FOR DAMAGES UNDER THE FCRA FOR EACH MONTH THIS ACCOUNT HAS BEEN REPORTING. I WILL ALSO BE SEEKING REMEDY UNDER THE FDCPA UP TO {$1000.00} PER VIOLATION. IF THIS ITEM IS NOT DELETED IMMEDIATELY IN 7 DAYS, I WILL BE STARTING THE LITIGATION PROCESS AND DLRFIRM WILL BE HELD LIABLE FOR ALL DAMAGES.
Product: Debt collection

I have no knowledge of these charges and haven't ever been notified of them. The charge appeared on my credit reports and I'm unaware of what they are for.
Product: Credit card

I had a couple of disputes that I feel Discover failed to honor their warranty, and did not issue a chargeback. Because I still feel that the charges are fraudulent, I filed a civil action in court against Discover. I did this about 2 weeks ago. Now Discover has received this suit and, as a result, has closed my account. ( To be specific they have demanded that I agree for them to have unlimited access to my IRS records ) I would not give that permission to my mother. Non the less a place like Discover! This is not a normal practice, and is not done by any other card issuer! They can not cancel my account or alter it for any legal reason so they are doing this. I have perfect credit. Never late with Discover or any other card.. I had done my research prior to starting the action against Discover, and am aware it is unlawful under federal law to change a credit line, or deny credit to anyone seeking legal actions with a creditor. Based on the thousands of similar complaints to mine on this site, XXXX, Consumer Affairs, and the XXXX I am very shocked a lawyer has not filed a class action against Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The Items that need to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX Balance : {$180000.00} XXXX XXXX Balance : {$560.00} XXXX  XXXX XXXX Balance : {$420.00}
Product: Debt collection

The original creditor, Capital One charged off a credit card debt. Then it was sold to a debt collection agency, XXXX XXXX. The file was sent back to the original creditor, capital one. I never received a 1099 C form after the cancellation of debt from Capital One. Now capital one is trying to sue me in court for the same debt that was charged off in XXXX.
Product: Mortgage

I recently refinanced my mortgage with Bank of America. They offered a XXXX Payment a year plan which I opted to participate in to help me due to the fact I have XXXX mortgages at this time due to a recent divorce. My first application for this program was XXXX XXXX and it was to take place XXXX XXXX for the first deduction from my bank account. My loan number with BofA is XXXX. This never happened as I was told it would. I reached back out to the bank and they told me I had to pay the loan in advance again and they would start it in XXXX on the XXXX and XXXX of that month. Again it did not happen. I again reached out to Bank of America and spoke to another person. Each one of these representatives indicated the application was recieved and they appologized but the same thing pursued. I had to pay the following months payment in advance and they would try again. So I have done this every month since XXXX and again after their one Representative and Supervisor XXXX XXXX XXXX assured me he would make sure it would not happen again but I would need to make the payment early and this would all happen in XXXX. Much to my surprise nothing was taken out of my account and I called XXXX back. He told me he also elevated this to his superiors and again nothing was set up. It was indicated to me several times it was due to representatives at the bank not following up on the request and their people failing to make sure this was implemented. I have been told 5 times that if I make the payment early they will get the payment program set up. I have had it with their failed commitments to implement and have elected to report them for false promises and failing on multiple occasions to set up a program I have been told would be set up. I want this set up once and for all. I 'm tired of all the games that are being played. I have been miss represented by this institution multiple times.
Product: Debt collection

My husband has also made a complaint against Navy Federal. He took out a personal loan and in XX/XX/2018, Navy Federal contacted me to say he was late on the loan payment and that I was a co-signer. I never co-signed any loan. I have never been in a Navy Federal location and have not signed any documents with them.

Prior to this, we had an identity theft issue at Navy Federal where they said we had a loan out and my husband ended up filing a police report.

In the summer of XX/XX/2018, I got a call again from Navy Federal saying my husband 's checks bounced. I told them again that I did not co-sign for the loan and they urged me to not take my name off of the loan as it would cause my husband legal trouble. My husband said he signed up for the loan over the phone and then went into a Navy Federal location to sign the paperwork. We then asked for them to mail us the paperwork where it would indicate I co-signed the loan and we never received  anything from them in the mail. 

In XX/XX/2018, I received a letter from Navy Federal stating the loan had an outstanding balance of XXXX. My husband took out a loan for XXXX to consolidate debt from medical bills. The last time he spoke to Navy Federal, he had explained that he had lost his job and that they were working out an installment plan. We had no indication that this loan had accrued XXXX in fees. No letter or phone call was made and he was under the assumption that the installment plan was still in place. When I contacted Navy Federal again, they said that the loan was in collections and we would not be able to remediate the issue.
Product: Credit card

When changing bank accounts for payments on my Credit Card ( Ally ). I accidentally selected pay the full amount rather than the minimum monthly balance. So On XXXX XXXX, XXXX they took the full balance in the amount of {$3200.00}. I called to immediately have them reverse the charge and they said they could not but that they would issue a check within 30 days. I called several times XX/XX/XXXX and XX/XX/XXXX and was told a check was issued on XX/XX/XXXX that I need to wait another 30 days for it to be mailed to my home address, which was provided in accuracy. As of XX/XX/XXXX, no check was received, so I called to request a replacement check and was told one was issued to wait 7 business days. As of XX/XX/XXXX I still received no check. I called on the XXXX to check the status and was put on hold for a long time. The amount was returned to the balance of my credit card as of XX/XX/XXXX in the amount of {$3100.00}. I have called several times only to get a different story regarding the status of the refund and I'm now requiring additional assistance. 
I also sent a letter, certified mail on XX/XX/XXXX requesting the refund in writing.
Product: Credit card

CB INDIGOXXXX   Account XXXX Credit Card XXXX XXXX XXXX 3 times XX/XX/XXXXXXXX Cb indigo/XXXX XXXXXX/XX/XXXX Cb indigo/gf XXXXXX/XX/XXXX Shows XXXX XXXX 30 days late Went direct to them, they said they had no way to go back and remove in their software. Not acceptable, I have never had a late payment on over 50 accounts.

They could submit to credit bureaus because it is the only negative I have.
Product: Mortgage

Hello : I am contacting you with a copy of my email ( phone calls also made ) to my home loan service company XXXX Mortgage Servicing who has recently corrupted my class action law suit modified home loan agreement after taking it over from XXXX who got my loan from XXXX XXXX XXXX. My loan was modified per the settlement and up to date payment wise since XX/XX/XXXX and now suddenly this new company has altered my loan agreement by adding a self serving insurance product ( PMI ) funneling funds from my property tax escrow account set in up my loan payment agreement just for property tax. This unauthorized or advised PMI ( Property Mortgage Insurance ) product they 've added is causing a negative balance and disrupting the allocation of my online loan payments to this company and loan. I read that the practice is called loan padding and is rampant as of late even after the XX/XX/XXXX passing of the homeowners protection act. Can you please advise or assist me in seeking the right course of action as I am being run around by the company and building a negative balance even with making still my regular agreed payments. 

SincerelyXXXX XXXX XXXX XXXX XXXX, Florida XXXX : I called in and spoke to your customer service representative XXXX XXXX a week ago as well emailed you regarding the PMI mortgage insurance just added to my loan payment which your representative confirmed was an error since it was never part of my loan agreement and was never authorized. I advised I needed this corrected as its obstructing my mortgage agreement and payments and being taken out of my property tax escrow account. I had to make my regular monthly payment for XXXX made on XXXX XXXX online using the principal and escrow tabs as the scheduled total payment tab was still reflecting the erroneous amount. Now!! It looks like the monies where incorrectly disbursed, your still showing payment due for XXXX and I see monies from my property tax being scheduled for a premium payment disbursement to the unauthorized PMI insurance!! I am making screen shots should this not be resolved and I having to contact the district attorney 's office and legal representation along with the copies of my loan agreement which has NEVER had the PMI as part of it. I need your error corrected and my XXXX payment applied as per my agreement correctly. 

Loan:XXXXXXXX XXXX XXXX XXXX XXXX , Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Saks credit service through Capital One, continues to penalize and incorrectly add fees and report to the credit bureaus incorrect information. Every single month a late fee! Every single month! Even when payments were processed by reps to be skipped due to pandemic. Saks Card ( Capital One ) then report it late to credit bureau, through no fault of the customer. 
I have been trying continuously to communicate and advocate for myself as a concumer and former account holder but every since the accountwas closed, it has gotten worse. There has to be a means for the company to stop charging the late fees and inaccurately reporting to credit bureaus on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, My name is XXXX XXXX and I depend on my credit to survive as a XXXX  XXXX. I had two cases of accounts under collection which were removed from my credit. One was a timeshare that. my ex. had acquired while we were dating and he stopped paying. The company does not want to remove me of the contract. My ex stopped paying the monthly payments and I was unaware. After I was trying to get a credit card to lower my interest rates this collection came on as a real estate collection and my card got denied putting more negative on my credit. I disputed the account and my ex caught up with the payments but the info has not been removed from my report completely. The second thing was a school balance. I wanted to further my education and decided to go to school and was offered a grant. The grant got approved then for some reason the school requested my tax transcripts which I couldnt provide and still to this date I have not been able to get the IRS to process my taxes to get the transcripts and show the school. In the meantime the school required full payment and put the balance under collections. This year has been really hard for me as a result of all this going on. Other than those 2 thing I have not had any late payments, liens, bankruptcy, or anything and my utilization is at 40 %. I also had a lot of inquiries from a time I was leasing a car and the dealer ran my credit like 12 times which I didn't authorized. Because of these thing my credit is the lowest I have ever seen it at XXXX with Transunion and XXXX. If I get a review of my credit I could loose my license which is my livelihood and I certainly can not buy a home because of the unfair score! I need these companies to erase the inquiries from 2018 and I can not do that online as they do not have options for that and I need them to rescore. I don't think my score is fair given my perfect payment history, utilization and clear report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no supplied proof Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help with the issues I am having with the credit bureaus. Back in XXXX I sent in disputes to the credit and I havent received anything from them. Here is a list of what need to come off my report. 
XXXX XXXX ( XXXX ) is over 7 years old and needs to be remove XXXX XXXX XXXX XXXX ( XXXX ) this is not my account XXXX XXXX XXXX ( XXXX ) is 7 years old and needs to be remove XXXX XXXX XXXX ( XXXX ) this is 7 years and needs to be remove. 

I have attached copies of the disputes from XXXX too. 
These things should already be off my report I dont understand why are they still on there after I disputed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years I have not been able to access my EQUIFAX credit report via free annual website. Identification questions ask me obscure information from old accounts that I do not recognize. I have had to send in written request to obtain report. I attempted to access my report via EQUIFAX website which was also unsuccessful. No problem with XXXX  or XXXX XXXX reports.
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 Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO THE CREDIT BUREAUS. THE ACCOUNT AND THE CHARGES ARE FRAUDULENT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE AND USED MY INFORMATION AND OBTAINED THE FRAUDULENT CREDIT CARD FROM XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX are actually doubling down. They are up to their old tricks. There was an account from XXXX that started with XXXX XXXX, that Got sold to XXXX  XXXX, then to XXXX XXXX XXXX 
I called XXXX. THEY couldn't find the account. I called XXXX XXXX and lady I spoke with said " account was charged off in XXXX '' .. she didn't say it was sold to XXXX XXXX XXXX, but I have a letter trying to collect. XXXX to now XXXX is what? Almost 10 years, 7 years would have been XXXX, but the way it appears on my credit report, XXXX.. it appears that an account was just opened in XXXX with XXXX XXXX, Then XXXX XXXX XXXX appears separately as a different debit.. well that is what they are trying to do. I thought after 7 years they could no longer collect or be on credit report.. I never received any notice from XXXX, XXXX XXXX, NO ONE. it appeared on my credit report from no where. I got divorced in XXXX. My ex-husband divorced me by public notice said I went missing when he knew exactly where I was, in the hospital. 3 hours away and yes we were going to divorce but agreed to wait a year until my XXXX  XXXX and my XXXX  XXXX  was better and I believed him like an XXXX.. and he pulled this stunt and got away with it and won a default divorce. Yes that's small town GA for u. He illegally got me out of our joint banking accounts, and I lost everything and I found out bc I was at the hospital and was informed my insurance was cancelled. I didn't have money {$5000.00} ; to retain an attorney. My parents believed this XXXX XXXX, and they believed I left with a man.. when it was really him with a girlfriend... He's that good of a liar. He opened up accounts during our marriage and I got stuck with the debt and he got everything... I went from high class to poverty.. and this XXXX from him keeps coming back up on my credit report over and over and I can't handle it anymore. XXXX XXXX XXXX needs to stop reaging accounts So they can keep putting them on the credit report and actually making them look like 2-3 different debts.. please get involved. Im trying to rebuild my life.. and accounts I have opened I do pay on time every month.. I have been fighting with XXXX mainly to investigate this.. they say they do but they do not. I spoke to someone at XXXX and I was yelled at.. threatened and I'm not putting up with it.. please intervene.. this account is on my credit report illegally.. divided into SEPERATE accounts and it's making me XXXX. Im begging you to intervene and demand them to follow the law.