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

There are accounts on my credit report that I have no knowledge of and did not give consent to open. The names and or addresses are incorrect. Ive tried updating my personal information multiple times as well.
Product: Credit card or prepaid card

I had a XXXX credit score and for some reason commenity bank closed all of my accounts with them for no reason never late and paid all balances unfortunately doing this caused my credit score to plummet and then XXXX bank closed XXXX accounts all in good standing and paid balances this caused my credit score to plummet even more I dont understand how someone who pays all Bill 's on time and pays balances gets XXXX credit cards closed and has a credit score fall from XXXX to XXXX this is illegal I have seen more than XXXX complaints of commenity bank doing this to people who work hard to maintain high credit score it has ruined my life and I want something done
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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, # 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, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got again my credit score today and see that Capital One is still in with a hard inquiry. I never request a credit card from XXXX XXXX and it is still on my credit report. Already contact the company by letter never got an answer. Somebody used my identification and email. Was part of the abuse of identification by XXXX.

I would like that Capital One correct the mistake immediately.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we should remove any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts inaccurately reflect the reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   c ontinues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 U.S. Code 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Remove the following from any all credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 states 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

I reside at XXXX XXXX XXXX XXXX XXXX Ca XXXX We have 2 mortgage one we stop paying when the value of the house came down since my partner has passed away the title of the house was granted to me by the court, the loan is under my mother in-law but she has never Paid in ti=o the house, Now that the second loan has reached out to me I have been trying to fix the matter so my self and my XXXX children don't loose the house. 

The company at one time was XXXX XXXX that company has closed the account and has handed it over to SN Servicing Corporation I have been in contact with a lady by the name XXXX XXXX Account Representative I have explain to her that now I am on title of the house and I want to get the house out of default she has asked me to make a good faith payment non th e amount of {$1000.00} and {$370.00} a month for the next 6 month at that point I tried to get the money but was not able to asked for if the could give me a month to get the money. 

Then I was told that the amount we spoke of was no longer accepted now it hat to be {$14000.00} and a monthly payment of {$400.00} I only had {$1200.00} and I mailed it out with a note that the {$1200.00} was all I had and that I would make the payment of {$400.00}. Since then they have cashed the check and now that I have asked her to give me a statement of the payment I made Mrs XXXX says now the investors don't want the payment that I send. 

Well they cashed the check and now she says they don't want it I was told that this is a Purchase Money second loan and that I would be able one to get it taken off or come to a agreement with them and that is what I am trying I at no given time have told them I don't want to pay much less loos se the house my children have lost there mother and this house has sentimental value to them and I am trying really hard to keep the house not only because we bought the house back in XX/XX/2006but for my kids memory in this house I am reaching out to you for help in ny way your company can Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is as follow ; XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX Canceled debt income '' often referred to as canceled or forgiven debt is something anyone who has debts unpaid, but not gifted, should be concerned with. The IRS considers this income. Income Is not apart of the consumer report. In accordance with Fair Credit Reporting Act XXXX account # XXXX, has violated my rights 1. 15 USC 1681 section 602 A states I have the right to privacy. ( a ) IN GENERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an NO OTHER : ( 2 ) in accordance with the writing instructions of the consumer to whom it relates. Did I give you written instruction to furnish this account on my credit report? 2. 15 USC 1681 602 A It also states a consumer reporting agency can not furnish a account with out my written instructions. 3. 15 USC 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. After reviewing XXXX XXXX I got a notification that accounts have been removed a few days later I notice is still on my consumer report. I also attached an FTC report and XXXX Tracking receipt that was mailed on XX/XX/2022.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX I sent XXXX BTC ( A little over {$2000.00} value at the time/ $ XXXX+ today ) from my XXXX wallet to my Coinbase account. I noticed the transaction had gotten many confirmations so after a few hours I noticed that this money did n't show up in my Coinbase account so I got a little paranoid. 

I then emailed Coinbase on XX/XX/XXXX and they sent me back a scripted email back with some links to try and follow to track down my money. I told them that the links did n't satisfy what I was trying to accomplish and I never got an email back from them. 

Since these links did n't help me very much I continued to email then on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX without anymore information from them except for the same scripted email in reply to my XX/XX/XXXX message to them. 

I then reached out on XX/XX/XXXX to XXXX on XXXX and he never answered me. I provided him with all of the information that would be needed but unfortunately I never got a single reply. 

I have yet to see any information on whether the money is going to be sent to my Coinbase account or if I will be refunded the money in some way but this is inexcusable. Thank you very much for listening to me and I hope you have a nice day.
Product: Mortgage

My Experiance with Amerisave, I was told on many occasions that I was approved and we were waiting on the Appraisal, When the appraisal came and a week went by, I was told I would need to tear down my 2 car garage. Once that was resolved and they ok the separate 2 car garage, they started to request my updated paycheck stubs which I provided, The email came out on the afternoon of Friday XX/XX/XXXX and I submitted them on that Friday. On Saturday afternoon they wanted XX/XX/2019 last paycheck statement. None of these items changed anything with my financial information and they already had several years tax returns and previous pay check statements. I submitted the XX/XX/2019 last payment stub within hours of receiving the email. On Monday at XXXX XXXX I received an email stating incompleteness or we are unable to approve you for a loan program. I had in several conversations with the loan officer indicated that I felt they were looking for a reasons to denied me, including requiring me to tear down my garage. There was never any inspection done to my home, but there was an appraiser that came out. I still have not received a copy of the appraisal which I was told can be downloaded thru my porthole with them. Also now I am being told I can get a PDF copy of my Denial on line and when I go there all it says that the file was closed. No copy of any thing, I have not heard from my loan office after several attempts to reach him, it now goes staight into voice mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I tried to pay my mortgage late. It was denied and Caliber Home Loans put me in the COVID CARE ACT refusing to accept XXXX/XXXX  payments, marked late on my credit reports, sold the loan to XXXX XXXX  as a refinance raising my monthly mortgage payments, sold to HUD with a Partial Deed of Trust. I have had my credit repair company work with me in sending Caliber Home Loans monthly letters for six months with NO reply or repair on my credit reports. When my home went into contract to sell the property in XXXX the Partial Deed of Trust showed up on the title records to the property with payment to be made in full to the Deed Claim. The refused payments were made to XXXX XXXX in XX/XX/2020 along with the XXXX payment to bring the mortgage current. XXXX also made several attempts to understand the split of the loan and could not get communication from Caliber. I have mailed letters to the Secretary of State, XXXX XXXX XXXX, and CFPB by certified mail and am still waiting for a report on financial facts proving my statement as NOT owing the Partial Deed of Trust. I am nor was in Bankruptcy. I am nor was in Short Sale. I am nor was in Foreclosure. WHAT I AM is Homeless with cash to buy my next property and can not get a loan due to the false reporting of Caliber Home loans on my credit reports!
Product: Credit reporting or other personal consumer reports

PROSPER MARKETPLACE IS ILLEGALLY REPORTING DEBT WITHOUT VALIDATION OR PROOF OF HOW LATE ACCOUNTS WAS VALIDATED. 

PROSPER MARKETPLACE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT:XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our XXXXredit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I traded in a car I was purchasing from Drivetime. The car was traded on XXXX/XXXX/XXXX and the payoff reached them on XXXX/XXXX/XXXX. I Drivetime on XXXX/XXXX/XXXX to confirm they had received the payoff which they did. XXXX XXXX overpaid them by over {$290.00} which Drivetime confirmed. I was told I should receive the refund in 10 days. I call back on XXXX/XXXX/XXXX and was told they never submitted the refund and it seems to it they were not planning on refunding it. They again told me to give them 10 days to process. I called today ( XXXX/XXXX/XXXX ) and again I am told to give the 10 days to process. I advised them if they held funds over 30 days they must pay interest. They told me to call them back again in 48 hours. I am starting to believe Drivetime has no intention of refunding the overpayment.
Product: Vehicle loan or lease

I want to get my settlement for the company that youll sued and told to reimburse harmed consumers and to stop their practice! I been trying to get them off my Credit and the bureaus are still reporting on my credit for one closed on XXXX XXXX and open on XXXX. I need those removed also
Product: Credit card

I just found out today XXXX/XXXX/15, after reviewing my credit report that Bank of America canceled my visa credit card. I have paid all my payments on time. When I logged in to the chat line and asked why was my account canceled, reply was " We decided to cancel your account ''. This has effected my credit score.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Balance : {$510.00}.
Product: Credit card or prepaid card

The credit card company decreased the credit limit on the account due the account falling past due. I made the payment a few days later to bring the account current and called the company to reinstate the credit limit. The collections representative told me to call back when the payment clears and customer service would be able to help me. I called back on XX/XX/18, and spoke to 5 different representatives who all said they could not do the reinststment as I was told, and if I wanted it increased they would do a credit inquiry. I just want the credit reinstated as i was told it could be.
Product: Student loan

I have been in contact with Navient in an effort to refinance my loans. The amount of interest and fees is incredibly high, I told them I want a break down of each loan, and the interest and fees. I feel I am being charged unfairly. Even though I make payments monthly, the balance is increasing. I will never get these paid off. I need them investigated regarding my interest and fees
Product: Credit reporting or other personal consumer reports

I received my consumer reports and noticed that there were inaccurate accounts on my credit report. 

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 DUPLICATE Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 

I contacted Experian and asked them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof
Product: Credit reporting or other personal consumer reports

This is my final demand for the immediate removal of a fraudulent trade line that has been reported under my name and personal information without my authorization. This matter falls under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], which grants me the right to dispute inaccurate or unauthorized information on my credit report.

Pursuant to 15 U.S.C. 1681s-2, you are legally obligated to investigate and correct inaccurate or fraudulent information. I have previously disputed this fraudulent account, and you have failed to take corrective action. You are now in willful noncompliance with the FCRA, which carries statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n. Additionally, I reserve the right to seek punitive damages, attorneys fees, and court costs should legal action become necessary.

Final Demands : Immediately remove the fraudulent trade line from my credit report.

Provide written confirmation that the account has been deleted. 
Cease all reporting of this fraudulent account to credit bureaus ( Experian, XXXX, and TransUnion ). 
Provide documentation verifying how this account was opened in my name. 
Failure to comply within 15 days from the date of this letter will result in legal action against your company, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. Additionally, I will pursue civil remedies in federal court for your continued violation of my rights under the FCRA. 

This letter serves as formal notice, and I expect prompt compliance. If you require further information, I can be reached at the contact details provided above. 

Sincerely,
Product: Debt collection

This is account does not belong to me! I have never had account with this company nor have I ever done any type of business with this company. Furthermore this account is over 2 years old and should no be affecting my credit but it does and its very challenging to get ahead with something so old on my credit history. Because I am not responsible for this debt, This collection should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX Loans and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX had a case against them due to this very issue.