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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That meansTransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that doesn't belong to me. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/year> SS # XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX Todays date XXXX ACCOUNT NAME XXXX ACCOUNT XXXX : XXXX I HAVE RECENTLY DISPUTED THIS ACCOUNT THE DATE OPENED DATE CLOSED/LAST PAYMENT/XXXX  PAYMENT/BALANCE / LAST REPORT DATE / LAST PAYMENT DATE ARE ALL INACCURATE AND INCOMPLETE AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX XXXX  DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY XXXX  days CREDIT BUREAUS XXXX IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the XXXX as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Product: Credit reporting or other personal consumer reports

items on report do not match my name and are not correct
Product: Checking or savings account

I had a small business ( XXXX XXXX  XXXX ) and had four customers finance their purchases via XXXX. These four customers signed a contract with XXXX promising to make payments with interest, I delivered and mattresses and XXXX send me ACH payments with the customers names on the payment. 

Chase bank froze these four payments and are holding them saying they need in-person confirmation from the four customers that they made this payment. BUT they did not make the payments, the payments were from XXXX with just the customers ' names for reference. 

My Chase Branch : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Departments : Chase Mortgage Hours : Open Closes XXXX More hours Phone : ( XXXX ) XXXX XXXX info Customer Support Mon-Fri XXXX XXXX Sat XXXX XXXX  XXXX XXXX Business Support Mon - Sat : XXXX XXXX  Sun : XXXX XXXX 365 days a year XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX Bank of America closed my credit card account I have had with them since XXXX. I was not aware of this action until I attempted to verify I had a XXXX balance on Friday, XX/XX/XXXX. After learning my card was closed, I contacted Bank of America by telephone on XX/XX/XXXX. The representative assisting me was n't able to explain to me why the card was closed and stated that I would receive a letter explaining why my account was closed and that the letter was sent on XX/XX/XXXX. 

She then offered to submit a request to reopen my account, I gave her my permission to do so, she then stated the request was denied because those terms and conditions were no longer available. She then offered to take an application for a new card as " they likely had a product that better fit my needs. '' I declined. 

I received the letter stating my account was closed on XX/XX/XXXX. The letter states that my account was closed due to a recent view. The account was closed because of : inactivity on this account ; sufficient utilization of your available credit ; current or past delinquency with one or more of your creditors. 

I believe that Bank of America has acted in a discriminatory manner, a manner that acts against the best interest of XXXX customers. Over the last 15 years that I have been an card holder of Bank of America my credit score, utilization and delinquency with other creditors were not an issue until just now. Over the last year I have worked to increase my credit score over XXXX points, reduced my utilization rate from nearly 95 % to just 46 %. In addition I have had no late payments in the last 12 months. By Bank of America choosing to close my account will negatively impact both my credit score due to the length of time I have had the card and utilization rates due to the  reduction of available credit. If all of my credit card companies acted in the same manner as Bank of America has it would severely impact my ability to obtain credit and the ability to rebuild my credit going forward. 

The decision to close cards based on the criteria that Bank of America is great for them, but not good for the average consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX inquiry XX/XX/2019
Product: Credit card or prepaid card

My father sent me {$75.00} for a small bill. He urged me to get a XXXX card.I opened the account and he transferred funds.XX/XX/XXXX it posted as pending and had been so ever since. We have called several times and the two entities are not working in complete unity. They pass responsibility from one to the other. I need the funds and can not gain access.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. Zelle and my financial institution informed me that recovering my lost funds would be impossible and tracking requested transactions would be infeasible. The CFPBs findings confirmed that Zelle neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer privacy and safety.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Personal Information : XXXX : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous XXXX XXXX es ) : XXXX XXXX AV XXXXXXXX XXXX XXXXXXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also Known As XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Employers : XXXX XXXXD XXXX  Employers : XXXX XXXXXXXX XXXX XXXXXXXX, CA
Product: Debt collection

Mission financial auctioned off this repoed commercial vehicle. After auction I was notified the commercial truck was purchased at auction for the full price I owed. This account says paid and closed. Account states repo paid balance XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a unverified account with XXXX I have never done business with this company. I believe it is a HIPPA Act violation. I would like to know how my personal information was used and accessed without my permission. The reason for my dispute isHRRG was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX County Sherif Dept. I need this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Mortgage

I have been trying to work with Loan Care for almost a year in order to find a solution. My ex husband and I recently divorced. He refused to sign any loss mitigation documentation. I was told by XXXX different supervisors at Loan Care I could sign and take the responsibility for the forbearance. 3 times I was sent documents requiring my ex 's signature. I was finally told that I was unable to do the loan modification with out my ex signature. 5 months had since past. I went to my last option which was the XXXX  fund. I gave the XXXX fund everything they needed, except a letter from my mortgage servicer letting them know we were unable to find loss mitigation options. I have asked for months for something to be sent so that the XXXX fund could distribute funds and we could resolve this mess. Loan care argues with me and tells me they can not send me the letter. I will escalate the issue and speak to supervisors who tell me they will send the letters and get nothing. The XXXX  fund has even reached out to try and get the letters and was told the matter would be escalated so we could get them and we are still not receiving them. I just want to resolve this issues so I can move on. I have done everything asked, I have begged and pleaded with Loan care to find a solution. I just need the letter. Thats all! Please help.
Product: Student loan

I graduated school in XXXX borrowing a total of {$60000.00}. I recently took a personal loan to pay off the balance of {$72000.00}. All in, {$39000.00} in interest was capitalized and was added to the principal balance and I paid {$99000.00} principal, and an amount of {$51000.00} accrued interest was also paid, totaling {$150000.00}. For a loan of {$60000.00}, I paid a total of {$150000.00} over the course of under 18 years. I have been XXXX XXXX military XXXX over the last several years, and am currently in XXXX. For the last several years I took advantage of the lower interest rate under SCRA. Even still, I have been paying more than the minimum payment, however, almost all of the payment went towards interest, without making an impact on the principal. Additionally, the allocation towards interest and principal fluctuated month to month. Even though I was paying over the minimum balance, the principal continued to creep up to a point where I would never be able to pay the loans off. For example, I made a payment of {$400.00}, more than the minimum payment, on XXXX XXXX, XXXX. Only {$2.00}
Product: Credit reporting or other personal consumer reports

The unverified item listed below remains on my XXXX report in violation of Federal Law. You are required under the XXXX to have a copy or the original source documentation on ile to very that this information is mine and is correct. in the results or your tirs investigation, you stated in writing that you " veritied '' that these items are being " reported correctly '' My rights under FCRA 611 ( a ) ( 7 ) Section 609 ( a ) ( 1 ) ( A ) Section 611 ( a ) ( 1 ) ( A ) I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from Ally bank does not suffice as proof of validation. 
The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply.

this is fraud
Product: Credit reporting or other personal consumer reports

Received three alerts on Friday XX/XX/year> that there were three hard inquiries on my credit file from BK of AMER, XXXX XXXX XXXX, XXXX XXXX XXXX and when I checked my credit file, I saw all three and I also saw another fraudulent/identity theft inquiry from XXXX XXXX XXXXXXXX XXXX After seeing the email of the unauthorized credit pulls, I immediately reached out to file a fraud alert on all my accounts.
Product: Credit reporting or other personal consumer reports

XXXX for violating 15 USC 1681 : ** COMPLAINT FOR VIOLATIONS OF FAIR CREDIT REPORTING ACT ( 15 USC 1681 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX **Complaint Details : ** 1. **Consumer Information : ** * Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX * Social Security Number : XXXX 2. **Violation Allegations : ** * Failure to maintain accurate credit information ( 15 USC 1681e ( b ) ) * Negligent/non-compliant reinvestigation of disputed information ( 15 USC 1681i ( a ) ) * Unlawful disclosure/inclusion of inaccurate data in credit reports 3. **Disputed Information : ** * [ List specific inaccurate account information, e.g., incorrect balances, outdated accounts, erroneous addresses ] 4. **Previous Dispute Efforts : ** * Date ( s ) of previous dispute submissions : [ List dates ] * Method ( s ) of previous dispute submissions : [ Mail/Online/Phone ] 5. **Relief Sought : ** * Immediate correction/removal of inaccurate information * Confirmation of corrections in writing * Compliance with FCRA regulations moving forward **Certification : ** I, XXXX XXXX, certify under penalty of perjury that the information provided is true and accurate. 
Signature : XXXX XXXX Date : XX/XX/year>
Product: Debt collection

The debt on my credit was fraudulently put on that was not me and I would like it fixed as soon as possible.
Product: Debt collection

XXXX XXXX XXXX was discharged in my bankruptcy but as soon as my bankruptcy was completed and closed, I started to receive letters from XXXX XXXX, Account Manager of XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , MN XXXX, XXXX trying to recover payment ( overnight to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , MN XXXX ). XXXX XXXX XXXX , XXXX lists the current creditor as XXXX XXXX XXXX and the original creditor as XXXX XXXX XXXX XXXX. I responded advising that this debt was discharged in bankruptcy via mail. I have tried numerous times to reach the toll free number of XXXX -- XXXX but there is never anyone to answer and the voicemail is full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  Want both accounts removed from credit bureau ask for validation of both debts nothing was received and neither account was removed. 

XXXX XXXX on credit bureau with 2 different accounts Ive disputed both accounts requested validation of the debt never received XXXX still havent removed debt from credit bureau. 
XXXX
Product: Credit card or prepaid card

I was promised that my claims would be Reopened and that I would receive a refund for my disputes and I feel like I was lied to
Product: Mortgage

There is a non-interest bearing principle amount of {$140000.00} on my statement that comes from a loan modification done in XX/XX/XXXX through XXXX XXXX. I have requested a breakdown of that number and how it was calculated on many occasions from XXXX/XXXX. XXXX with no real resolve. As of XX/XX/XXXX, the loan was no longer serviced by XXXX but Shellpoint Mortgage. On XX/XX/XXXX, I sent a request to Shellpoint asking for a breakdown of the non-interest bearing amount that was put on the back of the loan. I was specific in asking what portion were attorney fees and what attorney paid, missed payments, late fees etc ... I did not get a breakdown but they sent me the original modification documentation in which I already had and it does not outline any breakdown of that amount. The request was then forwarded to the Trustee, XXXX XXXX XXXX XXXX , XXXX and they responded on XX/XX/XXXX with sending an amortization schedule reflecting over the life of the loan. 

I'm at a stopping point since I can't seem to get this information in which is a reasonable request and as a consumer that is required to pay this amount, I believe I should know exactly what the amount represents. An additional note is at the time I got behind in my mortgage, the back payments and fees would have been well below {$140000.00}. So I am concerned that perhaps there was an error in calculating the back amount and any type of fees associated with the modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified Debt Validation Letter to XXXX XXXX on XX/XX/XXXX. They received my certified letter XX/XX/XXXX. It has been over 45 days and I have not received a response from XXXX XXXX. I received a letter stating that I had a balance due on file of {$130.00} on XX/XX/XXXX. XX/XX/XXXX I received a call from XXXX XXXX stating that I owe a total of {$180.00}. On that same phone call with the rep, I made a payment of {$50.00}, leaving the total due {$130.00}. Being that I did not have the letter on hand, they never told me why there was a {$50.00} difference 9 months later when I made the payment. The payment processed on XX/XX/XXXX.  However, on my credit report, they are reporting twice for two different amounts. One for {$120.00} and one for {$550.00} for a total of {$680.00}. Where are they getting this amount from? I asked for validation on these amounts and have not received anything. Both of these are incorrect. I did not receive a letter from this company before it was even reported to the credit bureaus with these amounts.
Product: Credit reporting or other personal consumer reports

I am writi ng to follow up on my previous XXXX XXXX sent on XXXX XXXX ago from the date of this XXXX XXXX, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the XXXX  informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX in letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hold three Synchrony Bank cards ( Mattress Firm, XXXX XXXX and Care Credit ). They all have XXXX balances. Today ( XX/XX/2020 ), I received an e mail from XXXX, noting that my maximum credit allowance at Synchrony was reduced by several thousand dollars, resulting in a decline in my credit scores ( from the 800s to the 700s ) .I contacted Synchrony and I was advised that since I had not used the Mattress Firm card in some time ( about 2 years ), they were lowering my credit limit ( {$8000.00} to XXXX. ) I asked that my original credit be restored and I was told to apply for an increase in credit. This application had nothing to do with credit worthiness and in fact may have resulted in an unnecessary review of my credit, again affecting my score. 

If I had used the card, I would have increased my debt, most likely being reflected in my credit score. If, as I did, not use the card, the end result appears to have been the same. Synchrony bank never notified me of their impending punishing action, and proceeded to to reduce my cap, thus reducing my overall ratings, and ultimately causing my excellent credit to decline. This WILL affect my borrowing power for large purchases, mortgage rates etc i would like this double edge sword to be addressed by the Bureau. I would like my original credit to be restored, and bank practices carefully scrutinized as anti consumer!
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX  XXXX - {$4700.00} XXXX XXXX  XXXX - XXXX - {$4300.00} XXXXXXXX XXXX XXXXXXXX - XXXX - {$2200.00} Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against all three credit bureaus- XXXX, XXXX XXXX and TransUnion regarding the ongoing issues I am facing due to identity theft. This situation has not only impacted my credit report but has also caused significant distress in my personal life. I have been unable to lease apartments or open utility accounts in my name without paying large deposits or requiring a co-signer. 

I have also noticed multiple unauthorized inquiries. Despite my attempts to dispute these fraudulent accounts and inquiries, the fraudulent activity remains unaddressed to all three credit Bureaus. I have never applied for these loans, nor do I have any association with the lenders involved. These fraudulent accounts have led to persistent collection efforts and have created additional stress as I work to clear my name. I have contacted the utility companies directly, but they often refer back to the credit bureaus for resolution, leaving me in a frustrating cycle. I have attached these referenced accounts listed in my credit report and a copy of my Affidavit of Identity Theft. 

I have been unable to obtain legitimate credit. The emotional and financial repercussions of identity theft are profound, and consumers like myself deserve a more responsive and supportive system.