23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The debt owed to XXXX XXXX XXXX associated with the financed automobile has been settled as evidenced by IRS acceptance of my 1099A and my receipt of 1099 Copy B. After receiving confirmation that the IRS received and accepted the 1099A for discharge, I did a UCC11 to ensure that the lien was removed from the financed property and the UCC11 confirmed that XXXX XXXX XXXX removed the lien that substantiated this debt obligation. The fact that XXXX XXXX XXXX has removed the lien is further evidence that the debt has now been settled and i XXXX ; XXXX now have the rights as the Holder in Due Course. Based on this fact, i have filed a UCC1 Lien on the financed property myself further evidencing that this debt has been settled and that I am now the legal holder in due course and owner of the financed automobile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested what method of verification of they used to verify the bankruptcy that is being reported on my credit report. On XX/XX/XXXX I received a letter from Equifax stating that they verified the bankruptcy through XXXX XXXX. I reached out to XXXX XXXX and put in a request for an investigation into where they got the bankruptcy listed. After XXXX XXXX completed their investigation on XX/XX/XXXX I received a letter stating they removed the bankruptcy from their records and from my XXXX XXXX Report. 

On XX/XX/XXXX I mailed letters to Equifax requesting the removal of the bankruptcy # XXXX that is reporting on my credit report. I sent them the original letter from XX/XX/XXXX, Equifax investigation results letter from XX/XX/XXXX, the letter from XXXX XXXX dated XX/XX/XXXX, and a letter from the XXXX XXXX stating that they do not verify or communication with third parties or credit bureaus. 

On XX/XX/XXXX I called XXXX to follow up with my documents and was told that they did not see any documents from me and was advised to resend them online to myequifax.com which I did. Online confirmation number for this submission is # XXXX and # XXXX. I also sent in a second set of all the letters listed above via mail. Both mail attempts were sent certified and signed for by someone at Equifax. 

On XX/XX/XXXX I called XXXX at XXXX to follow up and spoke to XXXX XXXX She stated that she did see the documents that I submitted online and that I needed to give them the remaining days of the 30 days to review. Once reviewed they will remove the bankruptcy and update my credit report. Confirmation number XXXX As of XX/XX/XXXX, I have yet to receive anything back from Equifax in regards to this investigation. Even with several calls after XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Kimball Tirey & St. John LLP is still reporting a collection to my three credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. 

I spoke with XXXX at Kimball Tirey & St. John LLP and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it.

I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to Kimball Tirey & St. John LLP. 

This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports immediately
Product: Checking or savings account

I deposited a XXXX XXXX state government check for XXXX XX/XX/2023 at Axos Bank. The funds are on hold. The bank told me after reviewing that the funds will be available XX/XX/2023. Thats more than 10 days of holding my full amount. Im struggling financially because of this situation. I need to pay my expenses and bills in order to live a comfortable life. I think its unfair and undeserving since the check is from a government entity. I please request that funds be available immediately. Axos Bank advertises as a technology advanced bank and that the strive to be different from traditional banking. They did not hold true to these words.
Product: Mortgage

Greentree servicing fabricated a mortgage note in a foreclosure action against me. After many attempts to view original wet ink note i was finally allowed to do so last week. I have proof that it is fabricated. This will be addressed in our pending litigation. Additionallt Greetrees errors and negligence caused the alleged default and after repeated Q.W.R. and disputes still has failed to correct it. Their fraud should be prosecuted
Product: Credit card or prepaid card

BBVA decreases my card limit despite me having a great payment history AND paying off large balances in the past. 

Totally unfair and unwarranted! 

Are they mixing things up with my sons credit power? He has the same name.
Product: Credit card

Reference to Credit Card Account # XXXX, On XX/XX/23 at XXXX am I spoke with a Capital One representative, I requested that the account be closed, and that since I have not made any purchases and no longer have use of the card, and that since it hasn't past XXXX calender days I request that the {$39.00} Annual Fee/Membership Fee be waived, I want this information included in a debt validation/PayOff letter, to also include my full name, current mailing address, Account #, I requested that this Debt Validation/PayOff letter be emailed to my XXXX account immediately ( Email Address is XXXX ) the representative stated that, that wouldn't be a problem, after getting off the phone with the representative I never received the promised and requested email, in the past I never had an issue receiving information associated with the account.
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 formerly XXXX, Account Number : 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 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

On XXXX, XXXX 2022, I woke up to a credit alert that my personal loan with XXXX was 30 days past due. My loan payment is {$1000.00}, due every month on the XXXX of the month. I called the customer service line and was advised that there was still a unpaid partial balance from the XX/XX/XXXX date. However, I paid the amounts listed on the statement. The statement generated on XX/XX/2022 indicated that XXXX was due on XX/XX/XXXX. On XX/XX/XXXX, I paid XXXX, and on XX/XX/XXXX, I paid {$1000.00}. On XX/XX/XXXX, I paid XXXX. XX/XX/XXXX 's balance was satisfied by XX/XX/XXXX. And XX/XX/XXXX 's balance was satisfied on XX/XX/XXXX. I was late, but at no point have I been 30 days late according to the statement.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

National Collegiate Trust is reporting to credit bureaus that the student loan I co-signed on is charged-off and transferred to another lender. It was not transferred to another lender and the account is currently being collected on. My brother-in-law was taken to court by NCT on XX/XX/2020 and ordered to pay it. Their law firm, XXXX XXXX represented them in this matter. Prior to the court date, ( I did not know they were taking my brother-in-law to court ), I made 3 attempts to call the law firm and settle the debt because this false claim is keeping me from obtaining employment. NCT did not take me to court or inform me of a court date in any form. This is because, in my attempts to settle the matter, XXXX XXXX told me and my brother-in-law that they are not licensed in Washington state and can not collect from, contact, or pursue me in anyway. Following the court order for my brother-in-law, he received the payment plan, pertaining only to him. He has made the first payment and accepted the new terms of the loan. I then called XXXX XXXX requesting that they provide me with documentation of their claims that they are not licensed in Washington state and can neither collect or pursue me. They refused, they transferred me to a lawyer that I left a detailed message for and never returned my call. Their website does say that their lawyers are only licensed to practice in the states listed in their individual profiles. Further down it lists each lawyer with their licensed state, none of which are Washington, XXXX. National Collegiate Trust has no contact information and you must go through whatever law firm they have hired to speak with anyone. I have filed disputes with XXXX  multiple times and my report does not change. Therefore, I must assume that National Collegiate Trust is reporting false information as their law firm has stated to my brother-in-law, that the account is in an active-repayment status or NCT is illegally collecting on a loan that they no longer own and we are unable to track down who might.
Product: Credit reporting or other personal consumer reports

i never inquired or gave any authorization to pull my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported an inaccurate balance from Bank of America on my credit report for the month of XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and saw a credit card balance of {$30000.00} on cito cards when I have none.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for and was approved for a XXXX XXXX XXXX XXXX through Comenity Bank in late XX/XX/2019. Right after being approved I was sent a piece or mail saying that the program has shut down and that I wont even be receiving a card for the account. I should not have a hard inquiry or a closed account for this listed on my credit reports. Its not right and should be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all these discrepancies. Please remove these inaccurate information as you are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and there are hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Consumer Loan

When I applied for this loan, I was not given a definitive interest rate nor payment amount. I was desparate and took it anyway based on being assured I would receive the complete information when the loan was completed processing. I was told I had until my first due date to return the money if I did n't like the terms. I told the company I do n't do business by email but was told that was the only way for me to get my loan information. I have requested the terms and payment schedule in writing but was refused saying they only use electronic communications, however their loan offers still continue to arrive USPS along with their collection notices. I still have n't gotten the loan information even by email. I borrowed {$800.00} which was deposited electronically into my checking account. Without my knowledge or approval, {$210.00} was then withdrawn by CashNet out of that same account. When I called CashNet about this, I was told that is how repayment is done but yet the company still REFUSED to give me a definitive payment amount or due date. I have refused to make payments until this matter is settled.
Product: Debt collection

Tried to fix the issues with the XXXX credit bureaus as well as with the company in question and they have failed to respond to me at all.
Product: Mortgage

We purchased our home insurance since XXXX to avoid continually paying forced placed insurance through our escrow. I have called many times to get my mortgage reanalyzed since the policy was paid in full. I have paid the regular amount each month and they continue to include the home insurance payment. I've been asking them to just lower my payment since my policy has been paid in full and I keep getting the run around.
Product: Credit card

There was an American Express credit card opened in 2018 on my name. The address provided was wrong, my social security number wasnt used. The thief looks like used the card and I woke up this morning with a new credit card with balance of XXXX $ that was opened in 2018 maxed out in a month and never paid. For some reason this was never reported to my credit reports until 2 days ago. My social security number wasnt used but I dont understand how without any proper identification they were able to open an account with such a high limit! I have never received a letter or any notice from American Express, as the address reported from them for that credit card is not mine, I never lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my Transunion credit report XX/XX/2020, no problem. Every time after that, I have to call Transunion to verify my identity, many times the XXXX is XXXX, demanding exactly what I want and why I am calling? They make if very very hard to get my Transunion credit report? Many times they do not answer the phone, just pick up the call and put me on hold and I have to call back?
Product: Mortgage

Since XX/XX/XXXX, I have tried to get my loan servicer, that acquired my mortgage, to correct billing errors with escrow. Also since trying to get this corrected since XX/XX/XXXX, I have not received any monthly bill to pay my mortgage for the last three months. I have tried many phone calls since XX/XX/XXXX, faxes, and certifies mail. As of todays date XX/XX/XXXX, I have not been able to get any billing errors corrected and no monthly billing statements for the last three months. So I have no information that the money that I have sent in the past three months fulfilling my part of mortgage agreement has been applied to principle and interest for example. To add injury to insult I found the company had placed a late charge against my account which I forced them to remove and they admitted it was wrong. This poor performing mortgage servicer company is : LOANCARE Of Virginia. 

This brings to mind the Consumer Finance Capital Protection Bureau XX/XX/XXXX law which requires loan servicer to provide me by contract every thirty days a billing statement that is correct and shows past payments properly applied also this company has not acknowledge my written complaints with in five days time being submitted, and to be resolved with in thirty days time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPB 's findings that indicate Zelle not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

On XX/XX/XXXX i submitted a complaint through the CFPB - original case # XXXX. I disputed the fact that Experian was still reporting XXXX debts from XXXX XXXX. The company has agreed to stop reporting, it was already deleted from XXXX and XXXX. Experian responded by saying that the student loan would be deleted from my credit report. The accounts were never deleted. i 'm attaching proof of the response letter from Experian and my most recent credit report showing the loans still being reported. They are scheduled to be removed in XXXX. but its been 3 years since they should have been removed in the 1st place.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Are fraudulent addresses I have never lived in either address an will like them removed from my credit by law they shouldn't be on my credit report fraudulent
Product: Credit reporting

They took my name offXXXX XXXX XXXXThey issued the report to incorrect address placing My complete name SS # and Birthdate out into the open. I consider this a huge breech.
Product: Debt collection

XX/XX/2022 is when I first noticed a balance owed of {$2000.00} to my tradeline from Helvey and Associates for XXXX XXXX. This is not my debt. I was the victim of identity theft. My information was left in the home they apparently rented after me. They opened a credit card, XXXX, and lights in my name. I left the home in which belonged to my ex and only packed my clothes and moved 3 hours away  for a job. I have not lived in XXXX XXXX in 7 plus years. I live 3 hours from there. Please remove.
Product: Debt collection

Phone call came in as XXXX XXXX XXXXXXXX. The said they were debt collector from Frost-Arnett debt collectors about a medical debt they said I owed from a specific date. This date that they gave me was the correct date of a medical procedure that occurred. Since I had not received a bill about this I called insurance that said they had paid all charges. Then called the hospital who said not only did I not owe any money for this but that was not the debt collector they use.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness which prevents of sucessful completing my education and other things. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. 
As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. 
I would also like to request a copy of my updated credit report after the information has been removed or blocked. 
I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. 
Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information.
Product: Credit reporting or other personal consumer reports

ACCOUNT NUMBER : XXXX Last Reported : - XX/XX/year> Inaccurate XX/XX/year> Inaccurate
Product: Credit reporting 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 items 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 items : XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$44000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.