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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS > XXXX XXXX XXXX XXXX | XXXX This account does not belong to me. 

+ Associate NEGATIVE INFORMATION > COLLECTION XXXX XXXX XXXX | XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX This collection does not belong to me. 

+ XXXX
Product: Credit reporting or other personal consumer reports

I contacted Clarity Services yesterday by phone and instructed them to add a 7 year extended fraud alert to my credit report with them. They wanted to harass me wanting me to send in paperwork which I am NOT required to do. I have extended fraud alerts on all my credit reports including Experian which Clarity Services is a division of Experian so they are OBLIGATED AND REQUIRED by FEDERAL LAW to IMMEDIATELY PUT AN 7 YEARS EXTENDED FRAUD ALERT ON MY CLARITY CREDIT REPORT. I WILL BE UTILIZING MY LEGAL RIGHTS AGAINST CLAIRITY IF THIS EXTENDED FRAUD ALERT WITH MY CONTACT NUMBERS XXXX AND XXXX IS NOT IMMEDIATELY PUT ON MY CLARITY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reports say I was late for a payment on my account in XX/XX/2020 which is incorrect and the credit company says I was current. This is affecting my score and my ability to qualify for new lines of credit.
Product: Credit card or prepaid card

I recently was approved to receive unemployment benefits but i did not receive a way2go card. When i tried to go the website and register for a card it would not let me. Now i am curious on how i will get my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$270.00} 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 Balance : {$2.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and 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
Product: Vehicle loan or lease

I want to use the ~ $ 7k in equity on my BMWFS lease by selling to a 3rd party dealer ; I have two offers that are substantially higher than what the BMW dealer wants to offer. BMWFS is telling me that they don't allow 3rd Party purchases now because of the short supply of vehicles. I spoke to a rep today ( XXXX at XXXX at XXXXXXXX XXXX XXXX ), and she said the only daily to do this is to buy in my name, pay tax and then sell to 3rd party. It appears that this is being done to benefit the dealer at the harm of the consumer because the dealer is being unfair by offering a much lower offer for the trade. When I asked the dealer ( XXXX BMW ), they said no one else could buy but a BMW dealer. This is unfair and dishonest because BMW set a precedent in the past by allowing. Now they are stopping so dealers can make a higher profit at the expense of the consumer. Very dishonest
Product: Credit reporting or other personal consumer reports

I am writing to express my concern about the disputed accounts on my credit report. I have raised issues regarding inaccuracies multiple times and have consistently requested thorough investigations. Unfortunately, I have yet to receive any resolution or corrective action.

These erroneous accounts are significantly damaging my credit file and affecting my ability to lead a normal life. The negative impact of these inaccuracies has created considerable hardships for me, and I am reaching out for your assistance in resolving this situation as quickly as possible.

I kindly request a comprehensive investigation into each of the disputed accounts. It is essential that steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being.

I urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you for your understanding and assistance.
Product: Checking or savings account

PNC will not allow by personal account to be linked to the third party payor/app XXXX.
Product: Debt collection

I sent a letter to Portfolio Recovery Associates ( PRA, LLC XXXX on XX/XX/XXXX notifying them of their default to report according to Texas XXXX XXXX XXXX XXXX and in fact default according to FCRA section XXXX ( a ) ( XXXX ) ( f ) ( XXXX ) ( XXXX ), I received a response from PRA greater than XXXX day of the original dispute with no clear validation of this account. I requested that PRA delete the inaccurate information and to notify the all credit bureaus. In Reviewing my credit report on XX/XX/XXXX this account still shows as derogatory with all XXXX bureaus. I sent another letter to PRA on XX/XX/XXXX to inform them of the default back in XX/XX/XXXX and asked for validation on this account. I also reiterated that they must report this to the CRA. I received a letter from PRA dated XX/XX/XXXX however this letter was not received until XX/XX/XXXX. PRA 's letter did not justify validation nor did it justify the information in regards to the XX/XX/XXXX dispute. In response to PRA 's letter, I AGAIN notified PRA on XX/XX/XXXX that the letter dated XX/XX/XXXX did not validate the account according to TFC and FCRA. I received a follow up letter from PRA dated XX/XX/XXXX, greater than 5 days of the re-dispute, referencing 15 U.S.C Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) but failed to reference Section 1681s-2 ( a ) ( 8 ) ( F ) ( ii ) ( iii ) - that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person. I did not receive notification from PRA of " such determination '' within the grace period. According to PRA, if they continue to receive subsequent correspondences from me regarding a dispute that has already been resolved, they will consider my inquiry answered. Therefore, my only options are to submit a complaint and to notify the credit bureaus in writing. Thank you in advance for you time
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite inhumanly available funds, I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was trying to buy a new house and i realized that there was Accounts on my report that i never signed up for so i got on the ftc website and followed their directions to get those accounts removed but the credit bureaus just disregarded my disputes. this is a complaint coming from me the person not a third party company.
Product: Mortgage

Hello, My ex wife was awarded the home in XXXX ( divorce ) and the decree stated she is to pay without causing my credit issues. She is just now trying to refinance but the lender is filling out the XXXX incorrectly. As in XXXX of XXXX and as recent as XXXX the mortgage was over 30 days late. They are filing that no 30 day lates have occurred in the last year which is false and stated by them. My credit has even taken hits. So how or why are they able to lie on documents about payments but I still have my credit taking hits?
Product: Student loan

Aspire Serving Center To reach us by TTY/TDD, please leave a message at ( XXXX ) XXXX. 
Spousal Loan Consolidation : PLSF, Separation, or consolidation is not possible due to the government not completing the paperwork. 

Federal Student Loan : Department of Education Borrower Defense Customer Support XXXX Send your completed Application for Borrower Defense to Loan Repayment to : U.S. Department of Education Federal Student Aid Information Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX We have been paying on this loan since XXXX. Twenty-Three years later we owe more money than when we consulted our student loans. I have contacted Representative XXXX for assistance. His staffers said, to file a complaint. I believe this loan has been sold to XXXXXXXX XXXX even though our bill comes from Aspire. 

We have been told by the federal government to leave this loan in forbearance. We have been told that this loan will not invertedly effect our credit scores. This is simply not true. 

First Payment under Spousal Consolidation XX/XX/XXXX Payment {$300.00} {$28000.00} Hide Details Payment - XX/XX/XXXX This payment was applied to the following loans : Disb. Date Loan Type Principal Interest Late Fee Totals : {$95.00} {$200.00} {$0.00} XX/XX/XXXX CONSOLIDATION LOAN {$95.00} {$200.00} {$0.00} Spousal Consolidation Loan Principal Paid : {$37000.00} What is Principal Balance? 
Total Fees Paid : {$0.00} How do I avoid Late Fees? 
Interest Paid : {$48000.00} How does Interest accrue? 
Amount Paid : {$86000.00} How do I Pay Off my loan ( XXXX )?
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Checking or savings account

I used to have a checking account through Social Finance ( SoFi ) but switched to a different bank. I asked to have the account and all services associated with the account closed and removed from all communication lists, but I am continually receiving emails from them with credit monitoring reports, information about my " SoFi Invest '' account, etc. I have contacted them at least 3 times, asking each time for them to close ALL accounts on file and to stop contacting me, but I am still receiving these sorts of emails, which leads me to believe my accounts are not actually closed.
Product: Mortgage

My loan was in forbearance due to impact from Covid 19 and on a repayment plan with XXXX Mortgage who sold my loan to Community Loan Servicing in XX/XX/2021. I immediately contacted this new company to make sure everything had transferred properly and was forced to set up a new payment arrangement as the previous agreement did not transfer. After numerous hours and phone calls, I was led to believe that everything was in place and my account would not be delinquent with this new payment arrangement. I even received documentation stating I was on a repayment plan. However, it has since been reported 30 Days past due as of this month XXXX XXXX XXXX and my credit took a hit. I called to get this corrected, spoke with a rep only to be escalated, as Community Loan Servicing would not take responsibility for this issue. They repeatedly said that a repayment plan was not coverage for credit reporting though I was lead to believe so in all previous communications. They acknowledged my loan came from XXXX Mortgage in forbearance, and would look at backdating my current account with their own forbearance, but made no attempt to settle the credit issue. They gave no specific timeline on any resolution nor any promise that future credit reporting would not be negative.
Product: Debt collection

XXXX XXXX XXXXXXXX HAS FALSIFIED REPORTING REGARDING XXXX I DO NOT HAVE AN ARRANGEMENT OR CONNECTION WITH THIS COMPANY.
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : procollect, XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

I have had issues with Carrington, mortgage ever since my loan was sold to them from XXXX XXXX XXXX. I was never late, upon my husbands illness we decided to do a short sale on the home. We began the paper work in XXXX 2016. Since we are self employed, we sent all the information they requested including an offer on the home. They have continued to request the same documents, ask for things they never requested, ie. signatures on the profit and loss form and so much more. the claim is that hud or FHA is the hold up due to a waterfall process. The home is about to go into foreclosure when it should n't have to with a buyer all lined up. I am at my wits end with this company and will never purchase a home again! I have already made arrangements to move, and the first and second mortgages are about to be four months past due because they are dragging their feet at Carrington.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXXXXXX 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: Debt collection

I 'm receiving repeat hang up phone calls from Midland Credit ( XXXX ). I do not have any collections and I 'm concerned that this is a phishing call when I called them back they wanted personal information that I would not give. 

Please help.
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX and XXXX are reporting LVNV accounts that have already been deleted from XXXX. 
LVNV # XXXX {$480.00}, has been removed from my XXXX report. 
LVNV # XXXX {$620.00}, has been removed from my XXXX report LVNV # XXXX {$920.00}, also has been removed from my XXXX report. These are inaccuracies which is a violation of the FCRA. 
AND once again the bureaus are not reporting or deleting the account as XXXX has. 
XXXX XXXX # XXXX {$0.00} has been removed from my XXXX report, as well as XXXX XXXX # XXXX {$740.00}, has been removed from my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # 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
Product: Credit card

Closed account and paid off- accidental overpayment of {$220.00} XX/XX/XXXX. Contacted company on XX/XX/XXXX for refund of overpayment. They refuse to return funds electronically and are stating I need to wait 45 days for refund. The credit balance is still sitting on my account. this is nothing more than a tactic to collect interest on my hard earned money. I want the credit issued immediately
Product: Debt collection

I am a victim of identity theft. Today my credit monitoring service alerted me to a collection account that was just added to my credit profile. The collection account is : XXXX XXXX XXXX which is a debt collector collection a debt for the original creditor " Check Into Cash ''.

I have never done business with Check Into Cash or heard of Check Into Cash. A quick look at my credit report shows zero late payments for any accounts and only one negative account which is this collection account.

Several years ago my office was broken into and several identity documents were stolen. Included was my driver 's license, my passport and my social security number. I filled a report with my building 's security and then later after my identity was stolen I hired an attorney who had my file a police report. Several bank accounts, credit accounts and even a penthouse apartment lease was executed in my name without my knowledge. All of these accounts have been investigated and removed from my files after outside investigations.

I have attached a copy of the affidavit of identity theft affidavit and the police report. I have also attached copies of letters from XXXX XXXX XXXX regarding bank accounts opened in my name fraudulently and a letter from an apartment complex where someone had executed a lease in my name without my knowledge, approval or authorization to back up my identity theft claim. All of these documents have contact information on them if any party needs to verify any of the information.

This debt collector and original creditor may only contact me in writing either through the CFPB portal or through the mail. This debt collector and the original creditor may not contact me over the phone, all communication must be in writing.
Product: Credit reporting

XXXX XXXX is deliberately reporting erroneously information on my credit report. Payment due XXXX/XXXX/2016 with a 7-day extension to XXXX XXXX, 2016. XXXX XXXX reported on XXXX XXXX, 2016 that consumer was 30-days late. I have disputed this information with Transunion, and the investigation states the information was verified. XXXX is deliberately lying. How can a bill be 30-days late on XXXX XXXX, 2016 when it was due XXXX XXXX, 2016?
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 XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. XXXX5 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: Mortgage

I reached out to Freedom Mortgage to get a preapproval Before I decided to put my home on the market I was told I was pre-approved for XXXXXXXX XXXX  so at that time I put my home on the market my property sold And then I found out that I wasnt preapproved. I had a contingency for my property so I move out XX/XX/year> with nowhere to go and now Im standing in the hotel so I applied to another mortgage company and was approval XXXXXXXX XXXX but Im still resigning in the hotel that I have to pay for meals transportation so I reached out to Freedom Mortgage to Compensate me for the inconvenience if I had known, I wasnt preapproved I would not have put my home on the market
Product: Credit reporting 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, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS XXXX TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Credit reporting or other personal consumer reports

Texas Attorney General Child Support are illegally reporting to credit bureaus which violates my constitutional rights. All reporting needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to company directly via mail, email and via the XXXX. I recently lost my wallet 3 months ago and now notice several things on my credit report. I have advise Discover it is not mine they reply with : upon investigation an credit application was submitted. '' I do not understand what that mean or how this investigation was conducted to verify the validity of this application.