23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This loan was taken out on XX/XX/year> with another company. NCB Management bought the debt and is currently listing it as an open account with them. I had a XXXX XXXX XXXX and was in the hospital then came home with a XXXX I was being paid XXXX from my job with the state of DE. I did not get any loans or anything during that time. I would like if the company would provide me, per ; 15 USC 1692 G, 1. A detailed list of my payments 2. Signature from me on the contract with NCB management, what they sent me did not have my signature on it.

3. Any insurance claims filed on contract 4. Chain of title to collect on this debt.

This issue on my credit report has prevented me from obtaining somewhere to live. I lost my apartment and am on XXXX. I do not have a lot of credit on my reports, but because of this issue, and being reported as a current and open account, not as a charge off from the original company, I am questioned as to why I cant just pay it. I do not make enough per month with my XXXX to just pay it off and I do not want to because I have repeatedly disputed it because it is not mine. 
I would like it removed from my credit report in all three reporting agencies. XXXX, XXXX XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report that I reported to TransUnion. Unfortunately, despite my initial contact on XX/XX/XXXX, I have not received any response from TransUnion regarding the disputed information. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 

Below are the details of the inaccurate information and the requested corrections : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$9200.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$550.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} XXXX. Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} The above accounts were never late, contrary to the information on my credit report. I kindly request TransUnion to correct/update this inaccurate information on my credit report.
Product: Checking or savings account

I have automatic bill pay through BB & T for my auto loan with XXXX car loans. The automatic debit is set up for the XXXX of each month BB & T on their own without my permission pulled out the money on the XXXX.
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 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 in my file : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Checking or savings account

I am writing in the file of claim against Navy Federal credit union for overdraft charges due to the fact that I had money in the account at the time of the draft and they overdraft in my account per the cfpb they have been done on numerous Navy Federal accounts and I would like for my account to be reviewed and resolved. Thank you.
Product: Checking or savings account

In XX/XX/XXXX which I believe started in XX/XX/XXXX Citi Bank was offering a new account promotion bonus online that expired in XX/XX/XXXX. The amount of the promotional XXXX, XXXX or {$1500.00} according to the amount of deposit. I open the require account on about the XX/XX/XXXX and deposit the required amount on the XX/XX/XXXX in order to qualify for the promotional bonus of $ XXXX.I initiated a call the next few days to confirm that I would qualify for the promotion, and I was told that yes, I was told at that time that after a 21day of the deposit and after 60 days of the require balance remain in my account they would deposit the {$1500.00} in my account. I have met all the requirements to qualify and have spoken to them several times about the date my funds would be deposited. My daughter and I drove XXXX miles to the XXXX XXXX and back to prove my identity so they could correct my social number. I ask again while we were there about the promotion bonus and were told it would be paid in XXXX the XXXX by the cashier. I called Citi on XXXX the XXXX and was told now it would be 21 more days and everything was in order for the amount to be deposited in my account. Now later that afternoon I receive a message from Citi telling me there was no such promotion. So basically, they have kept my funds for over 6 months and now after telling me my promotion bonus would be deposited, they never had this promotion. I was also told that I would receive a complete package with all the information and was never sent.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Personal Information Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : Affirm INC for {$410.00} and {$110.00} back in XXXX I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX
Product: Consumer Loan

I will like to file a CFPB Complaint against Wells Fargo Dealer Service for inaccurate billing practices while deployed. On XXXX XXXX, I opened a car loan with WFDS. On XXXX XXXX, I deployed for 12 months. During this deployment, my loan was not deducted to 6 % as required under the SCRA ( Reduction of Interest to 6 % ) XXXX. The bank was notified and completely aware of this deployment but failed to decrease the interest. 
Also, during this time my vehicle insurance was changed to liability due to it being stored on a military installation. The vehicle was insured and covered by law. During this time, WFDS implemented their own insurance and charged me discreetly. This has caused my loan to fall into delinquency. Currently to date, the loan payment has always been promptly paid on time, never late. 



Thank you
Product: Credit card

I am submitting this complaint about a XXXX card that I had. I paid this bill in full and they reported to the credit reporting company 's that they charged this account off as a bad debt. I have been disputing this information for over a year now. I called them numerous times and they XXXX do not even have a record of my first purchase. My first purchase with them was for approx {$320.00} ... ..I paid that off within 4 months ... .That card was down to a XXXX balance. Months later I receive a statement that I owe for finance charges and late fee 's. I 've disputed it also with all XXXX credit reporting agency 's. It keeps coming back that I owe this debt. I explained they are trying to charge me twice for the same product. I am fustrated as having this incorrect information on my credit reports is affecting my credit score. XXXX is absolutely wrong for trying to collect on a purchase twice.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX  # XXXX has violated my rights. 



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

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

The disputer letters were sent on XX/XX/year> and nothing was removed and no follow-up letters were sent to me as well 1. Identity Theft XXXX XXXX Account Number : XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. The following account is not mine XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

7. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

8. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Wilshire keeps reporting wrong information to credit company after the loan was paid. They still picked up my car and they tried to collect on an account that is seven years old
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  XXXX
Product: Debt collection

I contacted the XXXX company on XX/XX/XXXX and also on XX/XX/XXXX to let them know this account was not my account, the creditor XXXX still put this account on my credit for a balance of XXXX. I never lived at the service address they have listed for this account. I want this unverified account removed from my credit. I demand to see verifiable proof, but I haven't received anything for this unknown account.
Product: Debt collection

I CANT DISPUTE THIS ITEM WITH THE CREDIT BEAUREU. TRASUNION AND XXXX
Product: Mortgage

I was trying to refinance my car and decided to check my credit report. I then realized that Ocwen Loan Servicing had stopped reporting my mortgage payments. The account was either deleted or showing charge-off or closed. I reported the issue to the customer service department and was told they they had been reporting correctly. I then tried to dispute with the credit bureaus and they informed me that Ocwen has stopped reporting and that I can not dispute. I called Ocwen again and they said they had opened an investigation. I never heard from them. I called back and complained again they said that they were not sure why my credit reporting was being " surpressed '' and that they would investigate. I got a letter back a week or so later stating that again the information was accurately reported. I later called in to the office of the ombudsman and complained. after a month or so I again got a letter that the information was correct and that if I had any documents to prove otherwise to send it to them. I called again and emailed the copies of my credit report. I received a call confirming the dates etc on the report. And later received a letter that they would finally make the corrections to my report. I am still waiting to see the corrections. However I watched my credit score drop dramatically across the board. This of course has impacted my livelihood. I was not able to get the refinance rate I deserved I am trying to get better auto insurance and am afraid to try based on my " false '' credit score. This whole process has been goin on since around XX/XX/2016. Thanks for your attention and time to this.
Product: Debt collection

I had XXXX service. For 4 months, they continued adding unwanted services to our contract trying to increase our bill every month. I contacted them every month to cancel the services that were never ordered by me but somehow showed up on my bill. After getting frustrated with calling every month, I contacted XXXX and told them just to cancel the service. The representatives I spoke to told me that I ordered the XXXX channels and the basketball ( neither of which I am interested in ). XXXX also tried to take this fradulent amount from checking account numerous times without my authorization. They were disputed with my bank and reversed. XXXX is well aware of the situation and it really angers me that they have placed the account for collection and now impacting my credit score. If XXXX did n't breach the contract by adding additional channels that were not ordered by me, I would n't have to waste my time dealing with this again.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am a Consumer that currently reside at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX XXXX I am writing this complaint because I originally filed a complaint with XXXX through the CFPB 's website on XX/XX/XXXX, XXXX case number : XXXX, in which XXXX responded back on XX/XX/XXXX. This response was outside of XXXX to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. A subsequent dispute was filed with XXXX  through the XXXX 's website on XX/XX/XXXX, case number : XXXX in which XXXX has XXXX in progress of a response since XX/XX/XXXX. As of XX/XX/XXXX, the time frame for XXXX to conduct a reasonable reinvestigation has expired once again, pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ). XXXX willfully continues to not comply with XXXX and XXXX XXXX Laws. THIS NEEDS TO BE INVESTIGATED IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I've purchased a token on Coinbase, however when trying to sell it to get my money back they do not provide that option and they refuse to do so.
Product: Credit reporting or other personal consumer reports

I am listed as a authorized user on a XXXX  credit card account number XXXX, I would like to get this removed from my credit because I did not ask to be a authorized user on this card
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has taken longer than 30 days of my initial complaint XX/XX/2023. these accounts should be deleted immediately XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Im on hold everlasting hold for over an hour. I have a returned purchase from XXXX XXXX and Im being charged with Affirm. This is an attempt to collect a refund to Affirm as this is there requirement and no response indicates that XXXX XXXX will not provide any assistance to customer and will recommend to have Affirm payment vendor be cancelled for all XXXX XXXX stores until this issue is resolved. Complaint to Consumer Financial Protection Brueau is in progress and will be processed until the complaint is successfully resolved. 

Regards, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 a fraudulent XXXX transaction was made on my account possibly from my unattended phone that was illegally accessed in a XXXX parking lot, in the amount of {$1600.00} to a XXXX XXXX. After reporting the fraudulent transaction the next day, the effected checking account was locked and a police report was filed per the banks recommendation and an identity theft report was also initiated. After several months of supposed investigation the bank claimed they weren't responsible for the missing money and blamed me for an outside party accessing my phone, even though I was the victim of the fraudulent access. No further investigation was conducted by BoA despite further information about the fraudulent party being given to them. After an initial investigation by the XXXX it was reported to bank of america that individual where the money was sent was most likely fraudulent as the individual XXXX XXXX could not be reached and a male individual answered instead. After requesting identifying information the individual hung up and blocked the number. 

BoA XXXX XXXX # : XXXX Police report : XXXX
Product: Student loan

This is in violation of FCRA that this company is reporting negative remarks to my credit report if not removed this in violation and the law is not being with held and up to circumstance will result in a higher action taken willing to file against legal consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to present I have complaint and made several attempts to correct the inaccurate information by way of CFPB and the three Credit Bureaus. I have not problem with XXXX XXXX XXXX not reporting monthly to the bureaus, however the truth in lending should prevail. 

I've had a mortgage with this company since XX/XX/XXXX, which is current and in very good standing. I did a loan modification in XXXX and in XX/XX/XXXX I filed for a Chapter XXXX which discharged in XX/XX/XXXX. 

During that time my attorney and I was not notified that a reaffirmation was needed, XXXX  XXXX XXXX has taken a position not to report to the credit bureaus because of this ; however, the way they have chosen to report is the crux of the problem. 

They reported that my loan ( XXXX ) closed in XX/XX/XXXX, which is a total fabrication. I have no problem with them not reporting monthly. However, they conveniently omit I am currently paying this " SO CALLED '', closed mortgage at $ XXXXsince the said closing. 

I want them to tell the truth ... that I am paying as agreed and nothing else ; sense it is their position and prerogative not to report monthly. Instead of fabricating and falsifying damaging lies in the interest of fair reporting I demand that they tell the truth, a statement of " paying as agreed '', is not ask in too much. Because it is the truth.