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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$12000.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Checking or savings account

I was charged overdraft fees even though money was o my account multiple times even when my check was direct deposited and also have a savings and credit card
Product: Payday loan, title loan, personal loan, or advance loan

Easy to read billing statements? I dont think so. Nothing could be more confusing. 

Ive made XXXX payments over the last 8 months. Total amount paid in {$3300.00} towards a loan of XXXX. XXXX Date : XX/XX/2024 XXXX XXXX XXXX balance is XXXX after my last payment of {$200.00} This cant be right. According to this statement Ive only paid {$110.00} towards the XXXX balance. 

To make it so confusing I have XXXX deferent amounts showing for my Balances Something is really screwed up. This is criminal. 

Please correct the errors on my account immediately. All previous payment authorization are now revoked. You do not have my permission to submit payment request to my account on file, please remove my banking information from the database, Please provide me with a clear and understandable statement with the correct account balance. 

Previous Balance : {$3100.00} Current XXXX Outstanding Principal Balance : {$2700.00} New Balance : {$3100.00} Nothing Adds Up. 


Current XXXX Payment XXXX Due Date : XXXX XXXX ACCOUNT SUMMARY Credit Limit : {$3200.00} Outstanding Principal Balance : {$2700.00} Available XXXX : {$450.00} AMOUNTS DUE Minimum Payment Due : {$190.00} Due Date : XX/XX/2024 Your Minimum Payment includes your Billing Cycle Charge {$170.00} and a {$27.00} Mandatory Principal XXXX XXXX XXXX Outstanding Principal Balance. Any XXXX XXXX XXXX is not included in your XXXX XXXX. 
Amount Past Due ( Due Immediately ) : {$0.00} STATEMENT SUMMARY Previous Balance : {$3100.00} XXXX Error Advances : {$0.00} Payments and Credits : {$200.00} Fees ( Billing Cycle Charges ) : {$170.00} New Balance : {$3100.00} XXXX These numbers cant be the correct Balance
Product: Student loan

I have been attempting to get documentation regarding my payment history from Discover Student Loans. I first requested the documents in XX/XX/XXXX due to a change in the way the payment history appeared on my online account. That confirmation number was # XXXX. Documents were supposed to be sent to my mailing address. 

I never received the documents, and called again in XX/XX/XXXX. That confirmation number was # XXXX. I was told at that time that the paper documents were sent out in the mail to me on XX/XX/XXXX, but I never received them. I confirmed my mailing address. The person I spoke to informed me that the documents would be mailed again. Again, I did not receive them. 

I called again on XX/XX/XXXX to inquire about the documents. I was told at that time that the documents had been mailed to me in XXXX, though I did not receive them. I gave my email address and was told documents would be e-mailed to me within the week. I never received them. 

I called again on XX/XX/XXXX to inquire again about the documents. I was told at that time that the documents would appear in my online account within 48 hours and that a customer service representative would call me on XX/XX/XXXX, to confirm receipt. I was given confirmation number # XXXX. I received neither the documents nor a phone call confirmation. 

I called again on XX/XX/XXXX. Discussions with the customer service representative appear to indicate that these documents were never, at any point, prepared, even though I was told in XXXX and on XX/XX/XXXX that the requests had been fulfilled. I have now requested my complete payment history documentation four times and spent six months attempting to receive them. I was given confirmation number # XXXX for a new request. The incident number for the phone call itself was # XXXX. I was told that the requests actually never went through because " they were selecting the whole account, and they have to be selected loan by loan. '' I once again gave my email address and was told that I would receive the documents within 3-5 business days. I said that given that I had already spent six months attempting to get these documents, this was unacceptable, and I wanted them emailed to me today. I was told that was not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been challenging the XXXX  XXXX XXXX account listed on my report for one year now. Finally, XXXX   XXXX XXXX concluded their investigation and decided in my favor to remove the account listed on my report. it was opened due to fraud and i opened a police report. I have been embarrassed for over one year when trying to open an account. I couldnt even get a job in the bank because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts must be updated. 
XXXX XXXX XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

THE CONTRACT OF THE LEASE TERM WAS TERMINATED WITH FULL PAYMENT, HOWEVER, THEY ARE STILL REPORTED ON MY CREDIT REPORT AS TOADY, ACCOUNT IS STILL OPENED, WHICH IS ILLEGAL FOR A DEALER TO REPORT A LEASE OF TERMINATION ON SOMEONE CREDIT REPORT, IF THIS ACCOUNT DOES NOT REMOVED IN THE THE 72 HOURS, I WILL SEEKING LEGAL ACTION ON THE SECTION 603.
Product: Vehicle loan or lease

I have been a victim of identity fraud and people have been applying for loans in my name several loans. I have not had a car loan since 2015 on my XXXX. All 6 negative loans and accounts are not mine. I believe that my former roommate has tried to apply and use my information. His name is forest XXXX XXXX and is currently incarcerated. Please take these negative accounts off whereas I never had any bad scores until he moved in with me. Thank you so much for your time and understanding. XXXXXXXX XXXX XXXX
Product: Debt collection

Company refuses to send information to me related to debt they say is attached to my SS #. I requested the address once again today so that I could look them up they refuse to give me any information. I have no address for them, no mail to document the debt or way to dispute it, and they threaten to take me to court, saying I have received enough notice! What notice? I 'm still waiting for the mail they claimed to send me 7 days ago. A legitimate business should have no problem giving the address to a consumer so that they can communicate information to be true or inaccurate. These people refuse to give out the location of the office for the consumer to challenge the debt. They refuse to send information to the consumer for review of accuracy. They say you owe us now we will come get you, and then wo n't give out the address, and wo n't send documentation of the so called debt in the mail to me for my review. Is this legal? Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is 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 filesXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX - XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having a very difficult time speaking with a LIVE AGENT about concerns I have in regards to my consumer reports with XXXX, Equifax, and XXXX. I haven't been able to get through to a rep for 3 weeks now. Every time I call I'm stopped by their automated phone service which doesn't have the ability to fix anything concerning a consumers needs. How is it that these 3 Consumer Reporting Agencies can profit off of millions of consumers personal identifying information which is aggravated identity theft, cause financial injury, ruin reputations, interfere with consumers ability to operate within commerce and consumers can't even speak with a LIVE AGENT??? Not to mention the countless errors, inaccuracies, violations of consumer rights, that are being committed daily. I thought the consumer reporting agencies were required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
I have lost all faith in commerce it bothers me to know that millions of consumers across the country are suffering at the hands of these CRAs and the government allows them to operate above the law. 
" Americas credit reporting oligopoly has little incentive to treat consumers fairly when their credit reports have errors, said CFPB XXXX XXXX XXXX. Todays report is further evidence of the serious harms stemming from their faulty financial surveillance business model.
Product: Credit reporting or other personal consumer reports

My report shows errors under 15 USC 16c-2 with unapproved inquiries. Please remove all unauthorized entries impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXXXXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXXXXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called this company out to perform maintenance on my unit, and ended up paying over {$500.00} for the service, and a part that was 'wearing out. ' Afterwards, I got repeated calls from the woman who answers the phone, angrily telling me my check bounced. I felt bad for the person who would eventually get that phone call - she had me mixed up with someone else, I paid with a credit card. Shortly after, the unit stopped working all together. This company gave a quote of more than {$6000.00} to replace my unit. I decided to get a second opinion, and was told that my 20 year old unit should be  replaced. I went with the second company. I naively believed that it was frustration that led XXXX to threaten to charge me for a unit anyway, and they did. XXXX XXXX XXXX submitted a charge for services / equipment not rendered. XXXX XXXX XXXX   AC unit charge, and now I am fighting a bill for over {$6000.00}!!! 
The company say I did not cancel the contract within 3 days, but that is not true. I did not get an AC unit from XXXX XXXX XXXX.
Product: Debt collection

I am a XXXX citizen an I applied to refinance my Reverse Mortgage and discovered that during the moratorium on debt collections in the State of California that NBT Bank had not only sent my account to collections but both companies NBT and a XXXX XXXX were both attempting to collect and reporting negatively on my credit.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/2024 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnished any information relating to a consumer to 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: Vehicle loan or lease

I believe that the initial interest rate exceeded the maximum amount a person should have to pay, well over 20 %. Although I tried maintaining the payment and asked several times to lower my payment, the lender only extended the loan until I could no longer afford to keep the vehicle and it was repossessed. 

The balance remaining after the vehicle was supposed to have sold is well over what the car is even worth today. Below you will see what the value of the vehicle really should be DMV profile XXXX XXXX VEHICLE XXXX XXXX XXXX XXXX XXXX XXXX 4dr XXXX VIN : XXXX DRIVERS XXXX XXXX Year of birth : XX/XX/XXXX Driver license : XXXX License state : FL Expenses Insurance Last updated XX/XX/XXXX - Vehicle Value Estimated by XXXX - {$9000.00} Private party Current valueUPDATED {$9000.00} Private party {$6700.00} Trade-in good condition {$6000.00} Trade-in average condition {$5100.00} Trade-in poor condition About vehicle valuation There are several factors that are used to calculate your cars current value. Your current mileage, where you live and the cars condition all play a role in your cars value. 


Recall notice STRUCTURE : BODY : HATCHBACK/LIFTGATE + XX/XX/XXXX Affecting XXXX vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has repeatedly indulged in misrepresenting the status on my creditcard accounts. I have been trying hard to rebuild my credit after being on SSI for years and in the process had to get a secured creditcard from my credit union. The first problem was when they after listing the loan as a creditcard for several months changed the type of loan to " other '' and dropped my score due to their own error. After a dispute which took well over 30 days for them to handle they finally corrected their error. Because I had such a good record of payment with my credit union they gave me a unsecured card with a lower interest rate in XX/XX/XXXX of last year and after a few months because I keep the balance paid off each month TransUnion arbitrarily change the start date on the card to XX/XX/XXXX from XX/XX/XXXX and again lowered my creditscore. After another dispute they removed the account and dropped my score by 25 more points calling the account " closed '' because are using information from the first account instead of the new active account. Their constant consistent misrepresentation of credit scores damages my ability to get credit at a reasonable rate and has cost me 1 % extra interest on my home loan. Talking directly with them and explaining the situation doesn't work as they admit to the error but refuse to correct their mistakes and even refer to the other credit card saying that account is closed. They tried blaming the credit union for providing incorrect information but when I called to their attention that both XXXX and XXXX have the correct information on their sites the people I talked to still insisted it wasn't their fault. They even claimed they hadn't had a response to their inquiry for over 30 days when the information is sent out to all three credit reporting agencies on the last day of each month automatically. Between data breaches and gross incompetence TransUnion has no business even being in business ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have right under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account list below to be removed because according to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish this account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I filed a dispute with Regions on XX/XX/year>2024 about my card being stolen and funds taken out of my account by fraud charges. My account has been closed today XX/XX/scrub>/2024 with no update on my claim that I filed. I ask that this claim process be governed for constructive fraud being done by this major bank.
Product: Credit card or prepaid card

I experienced over {$1400.00} worth of charges to my credit card in which I did not make the purchases. The purchases were charged to my XXXX XXXX account but I was not the one to complete the purchases nor did I in any way authorize them. I asked XXXX XXXX to issue a refund for these unauthorized charges and they told me to speak with the Game Developer the charges were paid to. The Game Developer told me only XXXX XXXX could refund the charges. XXXX XXXX insisted the Game Developer is the one who has to provide a refund and if they won't help to dispute the charges. The Game Developer denied a refund and told me to dispute the charges with Chase. I disputed the charges with Chase and was denied the disputing stating that the charges were authorized and that I was responsible for them. I've been going in circles with all three companies XXXX Chase, XXXX XXXX, and the Game Developer ) and spent hours of my own time trying to resolve this issue for well over a month now and no one will help to resolve the issue. I have submitted emails and conversations that were had with both XXXX XXXX and the Game Developer to my credit card company showing they said to dispute the charges but am still denied. You can't talk to anyone at Chase over the phone regarding the matter and can only email them which they don't reply to but send you a letter weeks later. They have additionally not provided any proof showing why I am responsible for the charges I didn't make, which i had requested from them as well. The loss of the money during the pandemic has made this even harder to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Since 2018 we have been trying to get mortgage assistance. We have been denied twice based on what they decided which we know we could of qualified. In our 3rd attempt we, with the same info previously provided, have been getting the run around in all types of documents they are wanting. What was a small amount of monies in arrear is now getting double of that because of their delay in application process? In their most recent request, they have wanted to have us have quitclaim deed, the house insurance, etc. While all of this is going on and we are in constant contact with them, they have us still going to court because they say the foreclosure process does not stop. Then why have us provide all this info and await a decision if you are still foreclosing? We are now chasing them by calling every day and still no official decision or approval paperwork but yet, they dont stop the foreclosure proceedings or update their attorneys. In Illinois, document states that if a loss mitgation application is in the works, they should of never proceeded with foreclosure proceedings but allow us enough time to resecure the debt. As mentioned in the beginning, we started this process a very long time ago when we fell into a financial issue of job loss. We started with a temporary relief of an unemployment application which just put us more into issues because by the time you are done with the payment plan, it consittes 1 whole month of mortage but yet you are now 6 months more in dedt. I believe they set us up for failure to take our home away.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2024, I filed lawsuit against my former Landlord, XXXX XXXX, to recover my security deposit. The Court reviewed evidence, took testimony, and entered FINAL JUDGMENT against my former Landlord, and in my favor, affirming that I owe the former Landlord nothing, but that, XXXXXXXX is in fact a debtor to me. 

This collection item is therefore inaccurately placed on my credit reports, and should be immediately deleted.