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

I have had this account XXXX on my credit report for years and I 've always second guessed it because I did n't recall signing up for a student loan being that I was offered a full ride on an academic scholarship. I never received any information about a payment being due for this account until I pulled my credit report and discovered that my credit score was being affected by multiple late payments for this account. Now I finally know the reason why, this student loan does not belong to me! I recently logged on the the Nelnet website to go ahead and bring this account current. This student loan is for XXXX which is a campus that I have not attended and not only that a home address in XXXX XXXX, TX which I have never resided. I am outraged that this information has been added to my credit profile without proper verification of identity. I want this account removed immediately being that this account does not belong to me. I am using consumer finance seeking help to have this inaccurate information removed.
Product: Debt collection

I have contacted XXXXXXXX XXXX XXXXXXXX over 5 times concerning a bill sent to a third party I.Q International , Inc for {$1600.00}. I have left 2 messages with Mr. XXXX concerning this matter in which he states the Assistant manager has to go over this information. I called a 3rd time and the assistant manager answered and said she would call back to go over this invoice. This was over 3 weeks ago and still no return call after multiple messages. I called a week later and left a voicemail and no return call. I called a 5th time XX/XX/XXXX and was informed by Mr. XXXX that the assistant manager stated she would call back and I still have not received a call back. When contacting I.Q Data I was told I had to speak with XXXX XXXX XXXXXXXX because they do not know what the break down of charges are. Since then I have call them several times to try to inform them that I am getting no where with XXXX XXXX XXXXXXXX however ; I can not get anyone on the phone anymore after several attempts on different days at different time. I was informed I would get a bill sent to the forwarding address I gave before my departure and I never received this. I do not know what these charges are to total {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX Credit AEEI XX/XX/XXXX Bloom XXXX XX/XX/XXXX XXXX XXXX Fianc XXXX XXXX XXXX XXXX XX/XX/XXXX Discover Financial XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX American Credit ACCE XX/XX/XXXX XXXX Bank DE XX/XX/XXXX XXXX Bank DE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates that all fraudulent information must be blocked and removed from my credit report within four business days of notification to the credit bureaus. I have taken the necessary steps to report this fraudulent activity ( XXXX XXXX XXXX XXXX including filing a report with the Federal Trade Commission XXXX FTC ) and notifying the credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I checked my credit report. I am considering applying for a HELOC, and one company denied my application because of an Equifax report. I have repeatedly tried to correct the report online and tried to speak with a representative, who did not help me. Equifax reports that my account is blocked for promotional purposes. They will not even tell me what this means and will not remove the block.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX I disputed this account through your online process on XX/XX/XXXX Dear Equifax Team, I am writing to formally dispute the accuracy of certain information in my consumer file, as provided under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 

The details of the disputed information are as follows : XXXXXXXX XXXX XXXX XXXXXXXX I noticed my credit reports are reflecting inaccurate information. One report date of the last activity is missing, this fact is considered inaccurate information that has been reported like this for over 3 years. This account needs to be deleted from my credit report effective immediately. 

I request a free reinvestigation of this information, as required by law. I believe this information is inaccurate for the following reasons : Date of last activity should be the same. Stop sending stall letters stating you can't locate a credit file, and that the information is erroneous. 

As mandated, I expect the reinvestigation to be completed within the 30-day period from the date you receive this letter. If the disputed information is found to be inaccurate, I request that it be deleted from my file, and that I receive a corrected copy of my credit report reflecting these changes. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Mortgage

I put a mortgage in pandemic forbearance with Mr. Cooper ( Nationstar Mortgage ) in XXXX of XXXX. I have continued to make ongoing payments to this account throughout the pandemic however the account is not current. The payments made to the Nationstar Mortgage have been made through XXXX  XXXX XXXX Bill Pay. 

ALL OF THESE PAYMENTS HAVE BEEN ROUTINELY APPLIED TO MY ACCOUNT UNTIL XXXX OF XXXX. 

In XXXX of XXXX I began reaching out to Nationstar to bring the account out of forbearance. I told that I could make additional payment of {$3000.00} and {$2800.00} in the month of XXXX and then be enrolled in a post forbearance repayment plan that would be roughly {$3400.00} a month for 6 months. During 2 recorded conversations I was assured I would be able to do this beginning in XXXX of XXXX. 

On XX/XX/XXXX and XXXX I made payments of {$3000.00} and XXXX per agreement on a recording line through my bill pay ( as I have done for years ). As of XX/XX/XXXX, the payments had not posted to the account in question however they did accept payment on an account that was not in forebearance. 

For 15 days the money I paid on the account has not posted and I opened an inquiry with XXXX  XXXX XXXX. Multiple calls to Nationstar and emails of data with proof of payment did not move Nationstar and they continued to blame XXXX  XXXX XXXX. 

on XX/XX/XXXX XXXX  XXXX XXXX provided proof that Nationstar had REJECTED THE PAYMENTS. 

I made online payments of {$3000.00} and {$2800.00} on XX/XX/XXXX while on the phone with Nationstar, they are in agreement that the payments are pending posting. 

on XX/XX/XXXX I again reached out to the Pandemic ( Loss Mitigation ) department to confirm I would be able to be enrolled in a pandemic program as was discussed in XXXX of XXXX and I was told I would not be able to enroll in the program previously discussed and the company does not provide accurate information or a program for my bringing the account current. I am reaching out to your agency to investigate their business practices as it relates to pandemic forbearance and repayment of loans impacted by the global crisis. 

My questions : why were my payments rejected in XXXX Why have I received no written notification of my repayment options and why do the terms and payment amounts change every time I reach out to them What are the standard guidelines they are using to help bring homeowners current
Product: Debt collection

A payment to Transworld Systems Inc. was made on XX/XX/2024. I specifically requested that the payment would be made in exchange for a deletion on my credit report. The company agreed to this on the phone in exchange for payment on a recorded line. There are recordings to prove that I requested this. They took payment for the debt and then proceeded to not remove the entry from my credit report and stated that they do not remove entries. I would have never agree to this as there is no point in paying a debt that continues to burden my credit XXXX points on a {$90.00} debt that was wrongly put on my credit to begin with. The creditor never sent me a bill for the charges and I specifically requested the bill be sent to my email at the time. TSI defrauded me by claiming they would delete the entry and then refused to do so. This is wire fraud and I plan to prosecute them to the fullest extent of the law if the money is not either returned or the entry deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and requested to speak to a USA agent in the special handling department, but instead my call was routed to an agent outside of the USA, who told me they were unable to remove unknown inquiries from my credit report.

The inquiry that is showing unknown is : XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email. 


On the Transunion inquiry section it actually says I can dispute inquiry by phone or email. But when you click the option to do it by email, there's not email listed. If I can dispute it by phone, then why didn't the agent file the dispute for me.
Product: Debt collection

Company unlawfully shared my account numbers with 3rd party entities and now my personal information is overseas. My information was also leaked to the dark web. I want this off of my credit report immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  XX/XX/XXXX have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Bank account or service

My account was charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't.
Product: Debt collection

Before I move forward with litigation to Credence XXXX XXXX XXXX. I would like if the debt collection agency to stop harassing me about an old, old account that has been disputed and delete off of my credit report from another collection agency XXXX XXXX. This account was not mine account I have Proof from XXXX XXXX that this creditor could not verify the information or proof so there for it was deleted XX/XX/2019. I have that proof. Few month later Credence reported this same account with the same creditor ( XXXX XXXX ) with out sending me any letter to. inform me. I tried to explain to them that this account has been disputed they still continued to illegally report this. My attorney sent them a letter to validate Proof On XX/XX/2019. They never sent in any proof, however this was deleted from 3 credit bureaus on XX/XX/2019. The statue of limitation of this account as far reached over 7 years. Please stop these illegal acts before under the FCRA. I am forced to proceed litigation against them.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Equifax, XXXX for their refusal to update my personal information on my credit report. On XX/XX/year>, I submitted a personal information update letter to XXXX, Equifax, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/year>, I received a response from XXXX, Equifax, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, Equifax, XXXX. 
I believe that XXXX, Equifax, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, Equifax, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you for a resolution to an issue with Capital One Auto Finance reporting my account information to XXXX and XXXX credit reporting agencies. Capital One Auto Finance has failed to provide a contractual agreement between them and me. They only supplied me with a document signed at the dealership with a dealership employees signature not a Capital One employee signature. I sent a Conditional Letter of Acceptance requesting them to remove the account from my consumer report. They refused and also did not provide me any supporting documentation to validate we have a contractual agreement. I am demanding immediate removal of this account from my consumer reports.
Product: Credit card or prepaid card

I have filed for reimbursement related to a rental car with Chase Sapphire card ( using their required process via XXXX ). For 3 months they have given me the run around, constantly requesting the same document which has already been supplied multiple times. They are not acting and approving my valid claim and instead lie and deceive the customer with constant fraud replies. I need my funds sent to me asap ( Claim Number : XXXX )
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delation of the accounts listed IMMEDIATELY
Product: Credit card or prepaid card

Citibank refused to honor me welcome bonus XXXX XXXX miles after I have met all requirements of the advertised promotion on opening new credit card. [ Requirements : {$4000.00} purchases by XX/XX/XXXX ] I have made $ 4000+ purchases by XX/XX/XXXX. 
However, Citibank refused to issue the miles by abusing advertised terms over definitions of 'posted dates ', instead of using the actual 'purchase dates ' to calculate the time during of 'four month ''. Specifically for two transactions I made on XX/XX/XXXX. 

Transaction # 1 : XXXX XXXX XXXX XXXX XXXX CA {$200.00} Transaction # 2 :  XXXX XXXX {$65.00} The date when both of transactions were made is XX/XX/XXXX.  PDT ( the timezone where my profile address locates ) Citibank argued that : by XX/XX/XXXX. I made less than {$4000.00} purchases because two transactions were posted on XX/XX/XXXX. 

I am absolutely aware of the fact that time difference between posted date and purchase date for credit cards. However, Citibank should have made the terms clear in Welcome Bonus requirements : for example : {$4000.00} purchases in first four month ( purchases date are the date being calculated into the first four month ) ... etc.. According to the promotion invitation letter I have received from Citibank, there was no such clarification. 

Therefore, Citibank exploited its confusing and misleading advertising terms as excuse, to refuse to issue welcome bonus to me as a new card member. 

Thereby, I am seeking for a fair solution from Citibank through CFPB platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following companies to run my credit check and ruin my credit score. I contacted the credit bureaus and was told I had to submit an CFPB report for the FTC & it should be removed quickly.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report, and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX XXXX  Account # : XXXX Your company is in clear violation of the law : Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is NOT INCLUDED ON MY Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer report!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 5 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX Account # : XXXX Failure to respond satisfactorily with the deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations noncompliance-616 Civiila liablity for willful noncompliance 15 USC 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my XXXX XXXX XXXX Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my XXXX mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he XXXX XXXX XXXX and XXXX mortgages were paid off in FULL on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX Inquiry from XX/XX/XXXX Cap One Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.
Product: Debt collection

In XX/XX/XXXX, i signed a lease with sunlake at edgewater apartments. I received a derogatory mark on my XXXX credit report, stating that a collections account has been opened in the amount of {$6000.00} on XX/XX/XXXX. I know for this cant be correct, and i have to address it immediately. I did n't receive any mail indicating this or a verbal phone call. I would like for action to be taken to get this negative mark removed from all my credit reports and or set up arrangement to pay debt off.