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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year>2024 2024
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The listed inquires and credit card accounts are fraudulent and must be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

After reviewing my Experian credit report, I discovered multiple fraudulent accounts and unauthorized inquiries that I never applied for. These errors have significantly lowered my credit score and caused financial hardship. 

The fraudulent accounts on my Experian report include : XXXX CARD - Opened XX/XX/XXXX XXXX XXXX XXXXXXXX - Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Additionally, unauthorized hard inquiries were made by : XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CO on XX/XX/XXXX XXXX CO on XX/XX/XXXX These fraudulent XXXX have made it difficult for me to get approved for housing, credit cards, and loans. My ability to make important financial decisions has been unfairly restricted due to errors I did not cause.
Product: Debt collection

I recently began receiving debt collection calls about an account that I did not open or authorize. I was not aware of this account until the collection activity started, and it has since appeared on my credit report without my consent. This unauthorized account is negatively impacting my credit.
Product: Mortgage

REQUEST WAS MADE IN WRITNG OVER 2 MONTHS AGO CONCERNING ARREARAGE FIGURE AND QUESTION OF XXXX DOLLAR AMOUNT, TO DATE NOTHING HAS BEEN RECEIVED
Product: Credit reporting or other personal consumer reports

This XXXXXXXX XXXX XXXX account was opened under another date of birth different from mine, the information provided by XXXX XXXXXXXX is completely different, they sent me a report where they told me that they could not confirm my identity and they are charging me from a card that was closed. My credit report is affecting me since a closed card appears in my credit but the company can not verify my information. 


I have tried to communicate with them but since the information they have does not match my information, they can not give me any help in this regard so I request that all the information can be verified and in this way it be removed from my credit report
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 XXXX XXXX XXXXXXXX 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, LA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 reporting, credit repair services, or other personal consumer reports

I had put in a letter here about how there was 2 fraud hard inquiries that were not authorized by me made on XX/XX/2019 for XXXX XXXX and XXXX XXXX. I got a letter back saying some ip address I am unaware of. This ip address was used on both applications. I have made several attempts speaking to XXXX XXXX and Transunion just keep getting the run around. It's been over 30 days and I feel that under the fair credit act this should be reversed since I have no idea with all due respect how this happened and clearly was not made by me. In the letter it stated there was attempts to call me but I never got any said calls. If someone can please finally help me with this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$580.00} - - Installment Negative XX/XX/XXXX XXXX   XXXX  XXXX {$890.00} {$700.00} 128 % Revolving Negative XX/XX/XXXX XXXX XXXX- XXXX {$11000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XX/XX/XXXX
Product: Student loan

I received a notice from Navient saying they were changing the terms of my student loan. They added an extra 10 years to the payment plan. This will add thousands of dollars in additional interest to my loan. When I took the loan out from XXXX XXXX in XX/XX/XXXX it was for 20 years and I been paying this off regularly. The loan was to be paid off XX/XX/XXXX. Now Navient wants to move the maturity out another 10 years! I called them on XXXX XXXX and spoke to XXXX ( CSR ), XXXX ( Supervisor ) and XXXX ( Senior Account Supervisor ). XXXX admitted that Navient added the extra 10 years and said he would refer my complaint to a Monetary Report Board for resolution. I have not received a response. I want Navient to honor the original loan terms that I agreed to with XXXX XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i refinanced my home on XXXX XXXX XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( XXXX, Experian, and XXXX. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to FCB. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( XXXX, Experian, and XXXX ) I also asked XXXX to correct errors and they failed to do so.
Product: Payday loan, title loan, or personal loan

Keybank has repeatedly put the responsibility of obtaining title to a loan / lien that was paid in full for both a boat and a trailer.

It is regulated by the FDIC and the FTC as well as state governing banking agencies to release the lien on a paid off loan and provide proof.

It is also law to have a registered agent for service when you are an employer.

That RA does not have to be in the state doing business, it is the representative of the company, and we now live in Indiana. 
Your company will have to travel here when we sue you. 
We are going to complain to the FDIC, the FTC and your state banking commissioner as well as re open the CFPB complaint and expect monetary compensation for the process of trying to calmly and legally obtain legitimate documentation for title to the trailer for which you provided a loan. 
If you transferred this title then you need to provide that information as we have not received it, the original note ( attached ) shows you provided financing orginally for said trailer. Why are you not able to provide the title? You stated on the phone that we have to go to the state of California to obtain title, but you said the option has " expired '' in your letter so which is it? 
How this complaint is now not the same is you are putting the responsibility on us, the consumer, to obtain title for a trailer you financed and admit you did not provide final title and release of lien for, that is illegal. 
Before we simply asked for the title but now stating there is an expired timeline falls to you as well as if you sold this loan we were not notified. 
We demand all documentation of that sale, for the title of the trailer as well as your registered agent information in the state where you hold your company licensing, as well as the title for the trailer. 
If we can get it from California so can you. 
Since we were not notified of this change of title / ownership of the loan we expect due process from your company. 
As well, how are we to research this new loan / lender without information from you : i.e. no new loan number, no address, no name, no reference to the trailer? 
Since we paid the loan off after moving to Indiana you had our new address, we also had a forward from our old address and are friends with the new owners who have mailed us mail that did not forward. 
There is simply no excuse for this behavior or the fact that you dropped the ball, likely sold the loan, did not inform us and now are trying to place blame on us. 
Due process and normal course of business require you to act in good faith. 
We will not go away and the complaints will escalate and become bountiful.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not authorized and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Credit card

My son is deceased as if XX/XX/23. I am trying to close his cash app card. They are asking for death certificate which I cant get for XXXX weeks according to XXXX XXXX I have sent them my information over the estate. They want my drivers license and my sons drivers license ( which the state of TN ) has In their possession as long as the death is under investigation, I dont know what else to give them. I just want to make sure the account is closed. Can you please help me?
Product: Credit reporting or other personal consumer reports

Im unable to review my credit score and credit report. Failed to update my credit report and credit score. Which violates the law.
Product: Mortgage

I have reached out to Penny Mac for help regarding a Modification. This has been on going for 8 months. They first tell me I do not qualify due to Income so I added my Spouse. We provided them all the documents they ask for. I even informed them that My spouse and I recently got married so everything all my spouse personal information DL or SS card has been changed to legal new name. Penny Mac sat on all this information and offered no resolution. We still in a Pandemic a most offices are allowing you to only mail in documents to be proceed, Like the Social security office you can not come into the building everything has to be done thru mail. We have provided Penny MAc with every document to show that we are working on getting my spouse legal named changed. the email from the underwriter states my spouse SS card the last name doesn't match and now this letter states DTI issue.I spoke to XXXX " LEVEL II '' mgr and he went over the finances for the reason of the Denial and the Underwriter " XXXX XXXX '' did not add my spouses income like she advised that would be needed. I explained to him that I have been in contact to mare that everything the underwriter asked for she received and to find out she did not even use my spouse income like " she recommended '' is just frustrating. I want PEnny Mac to pull the Calls from today XXXX and XXXX to heat how UNHELPFUL their Employees have been During a pandemic. The Mgr just brushed me off with " Ill file a complaint '' which does not resolve the issue at hand. PennyMac was so quick to deny me for help but quick to suggest foreclosure. It's frustrating because they offer no help to try to resolve the issue. Please help as I want to keep my home.
Product: Money transfer, virtual currency, or money service

I was scammed making a payment in the amount of XXXX to a person using XXXX. I called my bank chase bank to be exact and they said they could not help me at all. Scanners name is XXXX and goes by the number XXXX
Product: Checking or savings account

Capital one closed account ending in XXXX I am a victim of identity theft and fraud and want my account restored back so I can use again I have lost my phone and social security card and bank cards during the incident
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Inaccurate Credit Report Information Dear Sir/Madam , I am writing to formally dispute and request the removal of inaccurate information reported on my credit file by XXXX / XXXX  Credit XXXX The information in question is adversely affecting my credit score and does not accurately reflect my credit history. 
For over XXXX months, XXXX / XXXX XXXX has been inaccurately reporting that my account is 30 days past due. This is not true and is a violation of the Fair Credit Reporting Act ( FCRA ). My payment due date is the 9th of every month. However, if I do not make the payment by the 9th and the date reaches the XXXX or XXXX, XXXX / XXXX XXXX automatically reports my account as 30 days past due. This is against the FCRA, which stipulates that an account should be reported as 30 days past due only if it is indeed 30 days past due. For instance, for my account to be accurately reported as 30 days past due, it should be XX/XX/XXXX or XX/XX/XXXX. 
They reported a no payment on XX/XX/year> which is not true They reported also 30 days late for XX/XX/year> ( which is also not true, because Im not yet 30 days late my payment date is on the XXXX but they reported as 30 days past on XX/XX/XXXX and XX/XX/XXXX to all XXXX bureaus ) technically I should be 30 days late by XX/XX/XXXX or XXXX. 
And they been reporting like that since more than XXXX months now false information on my credit profile. 
This erroneous reporting is severely damaging my credit score. It is essential to highlight that under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of the information included in consumer credit reports. The continuous inaccurate reporting by XXXX / XXXX XXXX not only violates the FCRA but also causes undue harm to my creditworthiness. 
I have attached copies of the following documents to support my claim : List of documents such as payment records like Bank Statement ( for XX/XX/year> ) CFPB complaint ( which has been transferred to The Federal Reserve Board ) Screenshots from Experian App My ID to confirm my identity.

In light of the above, I request that you investigate this matter, verify the information ask XXXX / XXXX XXXX what my payment date is? which is the XXXX so you will understand that they always report false information on my credit profile, and subsequently remove the inaccurate delinquency from my credit report. This correction will help in ensuring that my credit report reflects accurate and fair information. 
Another complaint has been sent to XXXX XXXX XXXX Maryland Attorney General. 
I would appreciate a prompt resolution to this issue and look forward to your response confirming that the necessary corrections have been made. 

Thank you for your attention to this urgent matter. 
Sincerely,
Product: Credit card

I've consistently upheld a practice of timely payments on this account, ensuring they are never past due. The existence of late payment remarks on my accounts is perplexing. According to 15 USC 1666b - Billing Error, these should be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. 

I submitted the following complaint " On my XXXX & Equifax reports for the XXXX XXXX  Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' XXXX closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. 

This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.