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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and Transunion credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have try contacting the companies and do a payment plan no answer
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is fraudulent. The vehicle was repossessed. The vehicle was in my deceased husbands name. I am not responsible for this fraudulent loan. My late husband, XXXX XXXX was responsible for this loan. The vehicle had been repossessed but it constantly updating every month on my credit file. Please remove this fraudulent information from my credit file or I will seek legal actions. With my income, being that XXXX XXXX, I couldnt possibly afford a vehicle at that price. My personal information was stolen. 

Account : XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX under the account numbers XXXX and XXXX, a personal credit card opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX  XXXX  on XX/XX/XXXX and XX/XX/XXXX under the account numbers XXXX and XXXX, a personal loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and an auto loan account opened at XXXX  XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX {$750.00} under accounts number XXXX and XXXX, a collection opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan opened at US Dept of EDU XXXX XX/XX/XXXX under the account number XXXX, student  loans opened at US Dept of EDU XXXX XX/XX/XXXX under the account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts have resulted in a few fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached documents with the accounts and inquiries in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts on my credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft.
Product: Credit reporting

I applied for a home improvement loan with XXXX XXXX Bank. They denied my loan stating that EQUIFAX did not have a credit score for me because I did n't have enough credit history for them to calculate a score. I have had a mortgage since XX/XX/XXXX, and have refinanced a number of times, the latest refinance was in XX/XX/XXXX. I had a problem when I went to help my son buy a car in XX/XX/XXXX. According to the car dealership EQUIFAX had no record of me. I did the online dispute with EQUIFAX ( THEY HAD MY NAME SPELLED WRONG ) Confirmation # XXXX They corrected it and I thought everything was ok until I applied at XXXX XXXX for this loan Can you help me?
Product: Credit reporting or other personal consumer reports

YOU ARE REPORTING THESE ACCOUNTS INCORRECTLY. I HAVE BEEN A GOOD PAYING CUSTOMER EVIDENT ON THE HISTORICAL RECORDS OF THE ACCOUNTS.
Product: Student loan

I submitted my repayment certification ( income based ) last spring when XXXX sent me the information through email. I submitted my tax information the same as I have done for a few years. Then in XXXX of last year, I got a letter stating that I never completed my recertification and that I now owed monthly payments over {$850.00} a month. I immediately called to talk to customer service to rectify the issue and was told they never received the recertification. I went back through emails and found all the information that I had sent and told them I would send it all again immediately, stating I had NO idea if they don't receive it because I had no confirmation, even though my email showed it was sent and I mailed the tax info to the address provided. I also never receive anything other than the initial letter stating I need to recertify in XXXX, then an email that they received the online portion, and then the notice months later, XXXX, that it's not done. No other notice saying they never received the tax info. It has been the same process for years and I have never missed it. This time when I called back again they again told me there was nothing they could do and that they never received it. AND on top of that, they were now going to capitalize $ XXXX in interest. So now I am supposed to be paying interest on interest. I have XXXX children and I am self-employed, I will already be paying on these loans for the rest of my life with an interest rate that I can't get lowered to the standard of today and an additional $ XXXX that never should have been capitalized in the first place. I called several times over a few weeks and got a different story every time from a different customer service rep every time. I thought I was an anomaly until I started reading articles this winter that MANY people are being treated the same way. I didn't know there was even anywhere to make a complaint until this winter, which is why I am making it now and not last summer when this all happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX {$5800.00} XXXX  XXXX XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$830.00} XXXX & XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX & XXXX XXXX XXXX XXXX {$51.00} XXXX  XXXX  XXXX XXXX XXXX {$310000.00}. 

Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Checking or savings account

I made adjustments through the online dashboard to NOT ACCEPT any charges that were going to over draw my account and deny the transaction. 
Capital One 360 decided for me in a credit card dispute and credited my account {$750.00}, then months later they changed their mind over false evidence then attempted to charge me {$750.00}, this sent my account to XXXX. 
I did not authorize this {$750.00} charge, plus the account settings were set to deny any such charge that would send my account negative. Capital One 360 over rode these settings in my account and forced the charge against my will making me a debtor to an un-authorized charge. 

I have never " lost '' any reversals of charges in the past, XXXX was the original owner of the account but Capital One 360 purchased them and made the customer service hostile against customers in an already broken banking industry. I AM NOT paying this or making any deposits. I will go to the cashless society and trade in silver if I have to, I will not take this abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : XXXX and LCI violated my consumer rights. i contacted the bankruptcy courts and the clerkon the phone told me that the courts never report to any credit agency, I recieved my consumer report and itsays on my report XXXX furnished my report to the bureas without my instructions and i want it deleted off my consumer report immediately. 15 U.S.C 1681 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH MY INFORMATION WITHOUT MY WRITTEN INSTRUCTIONS TRANSUNION XXXX XXXX US BANKRUPTCY COURT DISMISSED 0 LIABILITY XXXX XXXX  XXXX US BANKRUPTCY COURT DISMISSED 0 LIABILITY XXXX XXXX XXXX XXXX US BKPT CT XXXX DISMISSED 0 LIABILITY XXXX XXXX  XXXX BKPT XXXX XXXX INACCURATE DATES AND XXXX DELETED OFF MY REPORT.DELETE IT IMMEDIATELY. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Product: Credit reporting or other personal consumer reports

my account with XXXX XXXX XXXX was never late. i have had an exceptional payment history with XXXX XXXX XXXX and all payments were on XXXX. this late payment that is reporting is a result on a systematic error on their end processing my payment. this was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC 1681eb. this error has caused severe harm to my reputation, my character, my mode of living and to my family. 

I demand the late payments reported in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> to be removed. 

They are not in compliance with the following law 15 USC 1666b and its requirements st the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they DID NOT COMPLY with the LAW.

15 USC 1666b ( a ) TIMING OF PAYMENTS : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose, unless that creditor has adopted reasonable procedures designed to ensure that each statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer NOT LATER THAN 21 days BEFORE the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith PURSUANT rule 1002 and it was never provided. 

this is unfair, illegal and fraudulent, and not equitable to me as a consumer.
Product: Mortgage

Our mortgage company ( Ocwen ), after charging us an undisclosed fee ( without ANY written notification ) has emailed us a notice that they are moving forward with foreclosure procedure. This is despite the fact that we are current on our mortgage. In our 13 years with this mortgage we have never even been late on a payment. Even their phantom fee which they have charged us ( again, only verbally over the phone ) was not a full month behind their schedule when they sent us the letter. 

We reported some of their fraudulent activity in a past case ( XXXX ). However, their attempt to resolve the issue has taken a dramatic setback when their fraudulent activity and inability to deal with it in a timely manner is now going to cost my family a negative mark on our credit score and potentially the ability to purchase a house that we were hoping to offer on today. 

The primary reason for my suspicion that it will not be dealt with is their reputation. There have been XXXX of homes foreclosed on illegally over the past few years. As always, it has been very difficult to get anyone from the company to talk with you. I finally have the number of someone who can actually make a decision, but am now having trouble getting a hold of him.
Product: Checking or savings account

I was told when i signed up for their overdraft program that i was allowed one reversal on an overdraft fee. 

When i tried to claim it, they would not let me. 

There where two overdraft fees in the same day one was an error ( on their part ) and the other was a legitimate overdraft fee that i should have been able to reverse based on the one time reversal they told me about when i signed up for the program. 

First someone in wells fargo customer service told me they could do a partial refund of the overdraft fee for {$26.00}. The full fee is {$35.00}. A partial refund is unacceptable to me because they promised me a one time full refund on an overdraft fee. Then I started talking to someone named XXXX in their executive office, he would not refund the full fee either, and he actually offered me less than the XXXX bucks the last person i spoke to offered me ... I think he offered to partially refund me {$17.00}. I let him know my girl friend banks with Wells Fargo and never has this problem, if she has an overdraft fee, they reverse it no problem. The only difference i have a XXXX name. 

According to wiseage.org wells fargo bought in more than XXXX XXXX dollars in overdraft fees in XX/XX/2018. 

Its holiday time and they are taking advantage of their more financially challenged customers ...
Product: Debt collection

Original medical bill greater than XXXX  years and still on credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complain for you to know that I am a victim of I identity theft. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please delete the following items I am concerned of : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account on my file that I do not recognize. My name is XXXX XXXX XXXX I have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX****,  XXXX XXXX XXXX/ XXXX # XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX, There is a unverified account from USBK COURT XXXX OHIO DOCKET # XXXX. I have filed a Police Report with XXXX Police Dept. and CFPB.
Product: Vehicle loan or lease

I was sold a lemon car. I tried to call and voluntarily return the car within the timeframe I was told. Which I believe was 120 days.No answer from the financial company or the seller. I go back to the seller and he advised me that its no longer his issue. To call the finance company. The car then breaks down days later and call one last and finally time to let them know I was sold a lemon and need to get this situation straightened out. I never heard back from them until the car apparently gets towed. The finance company then explained to me that it would cost them too much. To come get and fixed the vehicle and resell it. I replied back that I did my part to prevent this from occurring. And that I was only reached out to because now its possible may costing them money. I reiterate that I am turning the car over to them. Back and forth phone calls between us were made for about 2 days. Of me trying to get this straightened out. Never heard back from them until I received a letter in mail saying that I own for the loan of the car. I then appealed the decision. To confirm the time and date of communication. My appeal was denied I believe. I continued to work to this situation straightened out. Until it hit my credit score. As I disputed the claim 3 times. Plus its been 7 years since the original claim. It time for account to be deleted from my records.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed below, which were the result of a data breach. These accounts were opened without my knowledge or consent, and I am formally requesting their removal from my credit report under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The person, XXXX, Trans Union LLC, XXXX A Consumer Report Agency, has been reporting personal information that is not mine, which is causing hardship. I ask for it to be removed after verifying the account on my Consumer Report which is being furnished by a person name XXXX XXXX XXXX a debt collector XXXX XXXX XXXX has been using my consumer report without my consent. I disputed this matter with the consumer report agency ( XXXX, XXXX XXXX XXXX ) and they just claim to verify the account. I have no documentation of validation upon request.
Product: Student loan

I mailed in two payments on XX/XX/XXXX. One payment was {$500.00}, the other payment was {$3900.00}. I wanted to pay off one loan, and the remaining overpayment of {$1600.00} was supposed to go to the one remaining loan I have. This did not take place. I contacted customer service and they said they would reapply the payment by XXXX XXXX on XX/XX/XXXX. I contacted XXXX again Wednesday, and Thursday. I knew I had a payment due on the XX/XX/XXXX, so I paid it because they obviously do n't know how to reapply payments, refund, or otherwise handle money if it 's not earning them extra interest. Check recorded calls, I never cursed and was very polite with each rep. The rep was polite, but I guess they ca n't figure out how to fulfill a request over at Navient. 

I submitted a payment so I would not be late, and guess what, they marked me as late!!! I 've never had a late payment in my entire life!!!!!!!! The money was debited from my bank and yet, they say I 'm late. The only person who is late here is Navient. They are late to the party on so many levels. GET YOUR SYSTEM FIXED. 

Also, I requested a FULL AUDIT of my loans last time because the amortization schedule navient uses is flawed they have misapplied so many payments its causing so much extra interest to build up. XXXX XXXX included scanned copies of what I can generate on Navient.com ; again this is not what I requested. It 's wrong math. They need to put four loans in and recac how long I 've had the loan open and correct payment dates. Essentially they need to remove all the payments that they applied wrong, and recalculate the CORRECT amount of interest. I DO NOT ACCEPT A SCANNED COPY OF WRONG NUMBERS XXXX.
Product: Vehicle loan or lease

Vystar Credit Union left a voicemail on my husband 's phone for me to call them ; XXXX minutes after leaving me a voicemail- which did not even allow me to call them back. This feels predatory and like harassment. My XXXX  has nothing to do with my car loan. 
I am not even 30 days late. Due to inflation and the economy I have had to move things around and pay things differently. Let me repeat, I have never been 30 days late, and I am paying the payment in 1 day when I get paid. I was not even dating my husband when I bought the car. And his phone number is a new number and unlisted, so I am concerned about their methods of finding his information and calling him. I have the voicemail saved.