23daVinci/CFPB_Complaints huggingface dataset:
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 listed below : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/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: Debt or credit management

Tally Technologies Violated TSR, which i understand is meant to protect consumers from situations where abusive credit repair companies charge them fees for services they didnt provide.

I signed up for a company that would manage my credit cards and help my credit scores for a fee. In the end, they charged me the fees and wend defunct. So now, theyre passing on my balance from them to a credit collection agency, SST. This is not what they advertised, If it was, I wouldve never agreed to work with Tally.
Product: Mortgage

i am behind on my mortgage and was dealing with XXXX. Filled out the loan mod package and XXXX said I was denied. asked for an appeal ... then XXXX said I was approved without filling out another packet but my loan was being transferred to rushmore. My original loan was for 15 years from 2002. Rushmore is giving me the option to pay 40 dollars less for 20 more years. Am I wrong is thinking this is not right? I had already paid 13 years on a 15 year loan and rushmore wants me to agree with a n3ew 20 year mortgage???? it does n't make sense to me
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 researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX : - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$690.00} XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - COMMONWTH XXXX XXXX Balance : - COMENITYBANK/VICTORI XXXX Balance : -y : Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$650.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

This account was for 2 persons that have been divorced since late XXXX. The balance was paid in full early XXXX and Capital One sent documentation verifying the account was closed on XXXX. Capital One then took it upon themselves to re-open the account on XXXX and sent a statement stating we again have a credit limit of {$20000.00}. As if two divorced persons trying to rebuild their lives in separate ways would want a renewed joint credit card burden! 
This abhorrent behavior is not human error, they intentionally reactivated a closed account with wanton disregard for our financial well-being out of greed and duplicity. 
My attorney has also been alerted of this development.
Product: Credit reporting or other personal consumer reports

This company is breaking the law by reporting a charge off on my account. I asked him to update his account multiple times I will not stop. I will take legal action against this company.15 USC 1681b consumer law violating my rights
Product: Debt collection

Reference # XXXX Re : XXXX XXXX XXXX XXXX XXXX. 
Total amount of debt : {$50.00} Please inform the above firm ( XXXX XXXX XXXX ) that the above amount has been paid on the same day the service was provided, which was on XX/XX/2023. 

RECEIPT # XXXX The total amount paid for was charged {$59.00} Check # XXXX ***provided by XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked into my credit report, I found that part of the data was inaccurate. XXXX and TransUnion must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify these reporting items as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the following unverified items : 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: Vehicle loan or lease

I purchased A vehicle on XX/XX/23 went to return this vehicle 3 days later because it's a lemon. Transmission is gone, vehicle had all fluids like none. I went back to the location in XXXX XXXX where I purchased and the dealership was closed down. I've been calling for help since and no help at all. They want you to keep making payments on a broken vehicle. I put in a claim to repair. The place where they tell you to bring the vehicle will not honor the claim because they said they will not get paid. This has been a nightmare. Now it's time to retain an attorney for help. This is the worst experience I've ever had. If I could put XXXX stars it's still not good enough. I've paid XXXX for a down payment, XXXX a month for the note, XXXX. For an extended warranty that is no good. Also XXXX. For good year to tell me that this vehicle is a lemon. Ca n't drive over 50 miles the vehicle cuts off. Also having a problem with billing. They're saying I owe them XXXX and I do not owe anything. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion, XXXX and XXXX that they are reporting incomplete credit information on on account with XXXX XXXX XXXXXXXX. I demanded that the account be verified and it has been over 30 days since dispute letter has been sent out asking for completion of this inaccurate reporting. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information Is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Mortgage

This is a continuation of the issue that was addressed in complaint # XXXX. Ditech addressed the complaint noted above and posted my payments to my mortgage XXXX/XXXX/16 as well as waived the late fees. I received my XXXX/XXXX/16 statement from Ditech and now my XXXX payment has not been applied to my mortgage account.
Product: Debt collection

I received a call for a " XXXX XXXX. '' This number left a message on my phone for the incorrect person. I called the company back and it was for BBT debt collector. I do not have a BBT account.
Product: Mortgage

My XXXX XXXX XXXX ( birth parent ) named me primary XXXX of a securitization trust. The mortgage company has failed in paying me her death benefit of over {$500000.00}. The original mortgage company was purchased by another bank, after my XXXX XXXX. Also, another bank was trustee of the mortgage after my XXXX XXXX  and they too did not contact me either. For over 18 years I have written both banks and the original mortgage company, numerous times telling them I am the named XXXX XXXX XXXX XXXX, and that I have not been paid out my inheritance from her death benefit. I have also sent several copies her original death certificate to each bank and mortgage company. This has been going on since XXXX until present.
Product: Credit reporting or other personal consumer reports

failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Leased vehicle as total loss. Insurance fully compensated company and paid company. Have disputed for years, but remains as a " repo '' on my account and displays as over 180 days late. It should show paid off in full. XXXX provides a XXXX balance on the account. XXXX and Experian refuse to correct the information, XXXX however, resolved the dispute and corrected the information immediately.

Colorado US District court XXXX
Product: Mortgage

I lost my house to foreclosure back in 2016, Wells Fargo was supposed to be doing a short sale with me and my attorney that I was paying. And the day of the short sale, Wells Fargo just decided to Fort clothes and take my house from me. I have never gotten any money from any settlements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Equifax to update the XXXX XXXX account. The credit report agency ONLY changed the update online. On the paper credit file report XXXX ; there is no change. I will attached upload pics showing this.Please review ALL ; but specifically page 1 of 8, 3 of 8, and 4 of 8. Thank you. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Student loan

I attended XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Tx. I completed the XXXX course. I never received my Certificate of completion. i tried to contact them but they are out of business. I don't know what to do at this time and i still have student loans.
Product: Credit reporting or other personal consumer reports

I have a issue involving the unauthorized use of my credit report by XXXX XXXX XXXX, which has been reported on my credit file by the three major credit reporting agencies : Experian, XXXX, and XXXX. 

I believe that XXXX XXXX XXXX has accessed and used my credit report without my consent, and without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. This section limits the use of a consumer 's credit report for certain purposes, including requiring entities to have a valid reason for obtaining and using a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding unknown and inaccurate items listed on my credit report. To date more than 120 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 120 days or more since my last request and no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : 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 includes : Account name : XXXX XXXX XXXX XXXX Account balance : {$6700.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX Account balance : {$350.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account balance : {$320.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account balance : {$520.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Account balance : {$1300.00} When account was opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries, charge offs and fraudulent collections appearing on my consumer FICO credit report. I've attached the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, # XXXX, and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Sent money via Wise- several went through, then a couple were held up for " review ''. Was told it was a " random regulatory audit '' but then my account was frozen/suspended and the money didn't go through. When I inquired why, they told me it was because I was purchasing " cryptocurrency '' which was not the case. I appealed the matter and they denied my appeal without any evidence or support for their baseless accusation.
Product: Checking or savings account

I had an amount of {$75000.00} deposited on XX/XX/XXXX towards Priority Checking Account of Citibank under the Special Promotion of Cash Bonus of {$1000.00} on fulfilling certain requirements as mentioned on their website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). All the stipulations mentioned therein were met and I have not yet received the Cash Bonus. I called several times and spoken with their Customer Service and also to one of their supervisor, XXXX XXXX on XX/XX/XXXX, but could not get a satisfactory answer other than they have escalated it to their higher-ups. The Supervisor mentioned that I don't have Form W-9 on file. Form W-9 is a request for SSN, which I already have and they have it on file. Filling another form not only will complicate the problem, but may generate another SSN. Also my Debit Card has been blocked, & they don't have the answer 'Why '. If they don't fulfil their obligation, would amount to likely 'Fraud/Scam ', for XXXX  like me. If you need further details, I would be glad to provide them.

Thank you for your cooperation in the matter.
Product: Checking or savings account

Bank of America charged a {$25.00} " Advantage Monthly Maintenance Fee '' on the following dates : XXXX/XXXX/XXXX - {$25.00} XXXX/XXXX/XXXX - {$25.00} XXXX/XXXX/XXXX - {$25.00} The B of A refunded {$25.00}, but refuses to refund the remaining {$50.00}. 
I have had this account many years, and I 've always had completely free checking. I believe Bank of America should have contacted me before making these deductions from my account. Had I known that the bank was going to implement these maintenance fees, I could have combined my two checking accounts into one that would easily exceed the newly required minimum balance of {$5000.00}. Instead, I had no knowledge that these maintenance fees would be implemented and I never authorized these deductions. In my opinion, it is dishonest for Bank of America to operate in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name, DOB, and social is being mixed with 2 other people. Ive called in to get the changes corrected however, I am unable to due to the mix up. I am being affected in my personal life, I can not get approved for a loan, apartment, or a vehicle due to these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was impacted by COVID and applied to forbearance to my primary and secondary mortgage on XX/XX/2020. My primary mortgage had no issue giving me forbearance immediately. However, my secondary mortgage company XXXX claims I did not apply on that date. 

I had applied via XXXX  ( aka XXXX  ) website on XX/XX/XXXX and have gotten a confirmation for forbearance. Two months went by with me thinking I was under forbearance like I have had with my primary mortgage until I realized something was wrong and the secondary mortgage was not under forbearance. I called them to try to correct this and they implied they would and I finalized my forbearance in XXXX. 

After selling my property I paid off both loans. However XXXX has reported XXXX and XX/XX/XXXX as 30 days late. If they had not failed on their end, I would have been under forbearance and would not have these two damaging items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, XXXX  to remove addresses and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX, XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX MT XXXX ; XXXX XXXX XXXX XXXX, MT XXXX ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}. 

According to FCRA Section 605B ( a ) the 3 CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I have requested Experian to remove inaccurate information from my credit report and they have yet to do that. As an consumer, I have the right to have a completely accurate credit report.
Product: Bank account or service

My bank is authorizing an electronic transfer to an insurance company every 3 months. The insurance was free for 1 year for opening a checking account. The insurance is not needed and not wanted. I called the bank in XXXX 2015 and told them to remove the automatic deduction and was assured it would be taken care of. The same transfer just occurred again, XXXX/XXXX/15. The Bank is unresponsive referring me to the insurance company. I tried to phone the insurance co. in XXXX. I was put in a wait system and then was disconnected. This problem is on the internet - many are having the same problem. 
The transaction involves the XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX is the payee on my bank transaction information.
Product: Credit reporting or other personal consumer reports

Apparently, I dont have a credit report that exists on any of the credit bureaus. So whenever someone goes to verify my Social Security number through the credit bureaus it says that I dont exist and the numbers dont match.
Product: Mortgage

On XX/XX/XXXX I requested a Covid-19 deferment/forbearance for my home mortgage owned by Select Portfolio Servicing Mortgage Company. They told me no problem but followed up with many misleading and deceptive letters stating that I was in default and faced foreclosure that intimidated me into paying the back payments. Please investigate all correspondence sent from Select Portfolio Servicing to  customers that requested to participate in the Covid-19 deferment program.
Product: Payday loan, title loan, personal loan, or advance loan

Refinance not available starting XXXX
Product: Credit card or prepaid card

Received statement on XX/XX/2019 via email stating balance {$49.00} payment due {$49.00}. Then on XX/XX/2019 received a letter stating account 90 days past due account closed. Contacted bank ask what was going on since I never received a statement previously showing payment due, and I was never contacted by mail or phone stating it. Investigation was started 5 days later received letter stating balance was zeroed out and they couldnt reopen my account. Then a couple weeks later I received another letter stating that all past due reports to credit bureau was being corrected to show no past due. This has destroyed my credit rating and they still wont reopen my account.