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

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two XXXX accounts reporting on Equifax and XXXX that are not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Product: Credit reporting

Exeter Finance Corp is reporting to all XXXX bureaus that I have a balance in the amount of {$11000.00}. However, this account has been sold to a collection agency months ago and they are stating that I only owe a balance of {$4900.00}.
Product: Credit reporting or other personal consumer reports

According to the federal credit bureau This creditor Discover and XXXX XXXX XXXX credit card have violated my right. 

In accordance to 15 US 1681 C and 1681 R and 1681 m states that creditor arent allowed to report late payments on credit report unless I give consent to, which I do not give consent to
Product: Checking or savings account

On XXXX XXXX my account was overdrawn {$31.00} at end of daily transactions. I was charged two {$34.00} insufficient funds fee. I had enough in my account cover all but one item. I should have been charged only one fee. The withdraws were sequences so they could charge me two fees. I was charge {$34.00} for a {$20.00} item and {$34.00} for a {$25.00} item. Page 2 reflects several withdraws with amount greater than {$31.00}. They paid highest amt to lowest amt which results in Chase being able to collect more fee.
I spoke to XXXX XXXX ( supervisor ). She said she could only refund me back {$14.00} of the {$68.00} they charged me because I had been refunded fees in the past.
My complaint is had they not sequenced the way they did I would have only had one {$34.00} fee not two.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$630.00} XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$130.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$680.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$180.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$180.00} XXXX # XXXX XX/XX/XXXX -- {$6800.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$3400.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$740.00} UNKNOWN # XXXX XX/XX/XXXX -- {$310.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

I sold my bitcoins on my cash app and I deposited it into my Sofi account using instant debit card deposit. I was using my funds here and there, and did not commit any actions that would violate Sofi policy. All of a sudden one day I see I am not able to use my debit card. After about 6-7 months after I opened my Sofi account. I asked them what happened but I am not provided a reason or explanation. They have frozen my funds about {$6700.00} or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a fraudulent account under my credit that i did not open, on my XXXX, equifax and XXXX report. they are damaging my good name and i want to buy my first home. this is the account number XXXX i see on my credit report. someone tuck out a car under my name. i never use credit. i pay everything cash. my XXXX XXXX pays for all my stuff. he said he will have the top lawyers in florida look at this to sue XXXXXXXX XXXX  and all the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I had a mortgage with Wells Fargo since XXXX. I fell behind and got a XXXX  XXXX in XXXX I didn't want to discharge my mortgage but my lawyer did. I was on time with my mortgage when I had the bankruptcy and after so they really didn't get anything from the discharge because I was on time. So I didn't want to leave my house and I made payments every month on time until forbearance happened with the code we got locked in. I was on forbearance twice because I'm sick and I'm still sick. The first time I came off they deferred it deferred the balance I owed. Second time I got a payment from HAF Grant and they paid 3 months worth I guess Wells Fargo didn't Express to them that I still have the deferral amount which was the second mortgage and HAF Grant XXXX, would have paid that. 10 Wells Fargo said they were transferring me to their service department well I didn't know they were selling me to it debt collector that was XX/XX/XXXX while still in forbearance. They also reported me delinquent while on forbearance to XXXX. I asked them after they sold me if they could update the credit report and let them know that I've been paying my mortgage all along and they refused which I think is illegal. I printed out 6 years of statements and payment information and since it's a transunion and they said they deleted their account from my site but it's still there it's closed and it still says delinquent I had them do an investigation twice to get rid of the delinquent and still on there. That's illegal according to the bankruptcy laws and the forbearance laws complaint about the new mortgage company. At my house for 22 years I always paid on it until the covid and I don't need to link one on my credit report and now it doesn't show that I paid my mortgage since XXXX. I really did a number on my credit and I couldn't get them to defer it and I couldn't get a equity loan either they refused equity loans before people went on forbearance and after.
Product: Checking or savings account

I opened a checking/savings account via a promotional link from BBVA. They acknowlege I met the terms of the promotion which was to maintain a {$300.00} balance in their savings account by the end of XX/XX/2019. They ALSO claim there was a 90 " monitoring period '' which was not in the original terms of the promotion. I attached proof from the bank that the aforementioned period has expired and there are still no promotional funds received.
Product: Consumer Loan

In XXXX, I took out an auto loan with Santander Consumer USA. In XXXX XXXX, I filed chapter XXXX bankruptcy. Although the car was not included, the loan was listed on my schedule of creditors and somehow an amount equal to XXXX payment, {$390.00}, was included. So the trustee sent them small payments throughout my plan. In XXXX XXXX the loan was paid off, after which time the trustee sent Santander another {$91.00}. I called Santander and they said they could not refund that to me, that the trustee had to request. I called the trustee and they said no, Santander owed me a refund. They refuse to send me that money. Since the loan was paid off, I do n't even know what loan it would 've been applied to. They also have not reported this loan to the credit bureaus. Since it was never late, it would greatly help my credit score. 
I took out a new loan with XXXX in XXXX XXXX. This obviously had nothing to do with the Chapter XXXX, but a few months after taking out the loan, they flagged it as being in bankruptcy. Because of this I have no access to my account online to make payments, see the balance or even request a payoff. And again, this is not reporting to the credit bureaus. I called and they said even though the chapter XXXX was discharged in XXXX and the loan was not part of the bankruptcy, the loan would stay in bankruptcy status for the full 6 year term. I worked for XXXX 15 years ago, and putting someone into or out of bankruptcy status involved clicking a button. Santander owes me {$91.00}, they need to take my current loan out of bankruptcy status, and report both of my loans to the credit bureaus.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against XXXX for Violations of FCRA and Other Consumer Protection Laws To Whom It May Concern, I am submitting this formal complaint against XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection regulations, resulting in the reporting of inaccurate, unverifiable, and misleading derogatory marks on my credit report. These inaccuracies violate my rights and have caused undue harm to my financial standing. 

Account in Dispute and Violations Identified Bank of America Account # XXXX Issue : Charged off with a {$1800.00} balance. No documentation validating this derogatory mark has been provided. 
Violation : FCRA 623 ( a ) : Requires furnishers to report accurate and complete information. 
15 USC 1681s-2 ( a ) ( 7 ) : Specifies the duty to notify consumer reporting agencies of the disputes resolution, ensuring the report reflects any updates or corrections.

Violation : FCRA 623 ( a ) : Obligates furnishers to ensure data accuracy.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Requires details about the debts original creditor and payment history. 

Violation : FCRA 611 ( a ) : XXXX must verify disputed items or delete unverifiable information. 
15 USC 1681s-2 ( a ) ( 7 ) : Requires timely updates and corrections to consumer reports when inaccuracies are identified. 
Legal Violations Cited FCRA 611 ( a ) : Credit reporting agencies must investigate and remove unverifiable information within 30 days.

FCRA 609 ( a ) : Entitles consumers to access the documentation used to verify disputed items.

FCRA 623 ( a ) : Obligates furnishers of credit data to maintain accuracy and correct errors.

15 USC 1681s-2 ( a ) ( 7 ) : Requires accurate dispute reporting and resolution communication with consumer reporting agencies.

12 CFR 1006.34 ( b ) ( 5 ) : Mandates clear identification of the debt and its creditor.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Requires the inclusion of sufficient details about the debt to validate its accuracy.

12 CFR 1006.34 ( d ) : Specifies the necessity of accurate last payment information in debt validation notices. 
Harm Experienced The presence of these inaccurate and unverifiable derogatory marks has resulted in : A significant negative impact on my credit score. 
Difficulty obtaining financial products and services. 
Increased stress and financial hardship.
Product: Credit reporting

I applied for my free credit report from Transunion using the government form from annual credit report.com and sent it in and got back the stock we can not find you but to provided documents which is did and they are my latest paycheck stub and my latest bank statement showing my current address and I get back a stock letter staying proof is unacceptable as it was to old? so how can the current pay check stub and bank statement not current and requesting to sent in the same documents why? can I get my report I provided the information and Transunion can find me with out any problem and again every year I have this issue why is the government allowing these companies get away with this type of behavior and have so much control over our information
Product: Credit reporting or other personal consumer reports

To Whom It may concern : This a regarding false advertisement by XXXX XXXX that resulted in negative impact to my credit score. Please see attached correspondence with XXXX XXXX and related material. If you have any questions, please feel free to contact me by email, XXXX or phone ( XXXX ) XXXX. Thank you! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found accounts that i didnt recognize so i disputed them and they came back verified and accurate with no documentation provided that actually says the accounts are mines. my information was actually involved in a data breach and i filled out an ftc report due to the fraudulent accounts, inquiries and addresses. - XXXX XXXXXXXX, XXXX XXXX, Credit inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Which i will attach here. These agencies is in violation of XXXX XXXX XXXX XXXX XXXX. They were to notify of this is writing XXXX  days prior, i was not notified. As the original creditor, only i can validate this debt. I do not validate this debt. Therefore the following accounts must be deleted from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX  are running me around in circles regarding my credit history personal information. Something is incorrect with my name, Social Security number, etc in their files.
Product: Debt collection

On numerous occasions the XXXX XXXX XXXX card has reported that Ive had an open balance Ive called numerous of times I can pull my phone records I have proof that all my balances were paid off. XXXX XXXX XXXX  is a prepaid credit card and you can only spend what you put on so I do not understand how I have an open balance in each month it goes higher and its now affecting my credit score Ive been numerous of calls I said numerous of proof my bank statements and everything every other time Im told they dont know what Im talking about and then I have no balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 

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

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

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We obtained a loan for a mortgage from XXXX XXXX Bank. On or about XX/XX/XXXX XXXX XXXXXXXX XXXX transferred our mortgage to Countrywide Home Loans. We had issues with Countrywide Home Loans not properly paying our home owners insurance and escrow taxes for the home. We were forced to over pay due to making additional home owner 's insurance and tax escrow payments because of Countrywide 's error. Later on when Countrywide started to make payments for the escrow taxes on said loan, they made these payments to the wrong county and town. We again were forced to make addition payments. In XXXX we made an attempt to payoff our mortgage with Countywide Home Loans. Because of the discrepancies Countywide Home Loans caused us, we elected to have this matter sorted out and resolved in a hearing with a referee. We had officially paid off our mortgage with Countrywide Home Loans in XXXX. The final payment was made on XXXX XXXX. We received paperwork from Countywide Home Loans releasing us of our loan obilagation with them, as well as , county clerk recording documents. We were told by Countrywide Home Loans we had a credit balance in escrow and that payments for our account would be made accordingly until depletion and at that time bills would be sent directly to us for payment. The issue which is now pending is that in XXXX of XXXX we were served with a foreclosure proceedings from XXXX XXXX. This is now XXXX ( XXXX ) years after we satisfied our mortgage with our lender, Countrywide Home Loans. We are unsure why there would be any foreclosure proceeding made against us. We can not wrap our heads around this and make sense of why this is happening to us. We are unsure of all our options. Any help and guidance your department may lead us to would be deeply appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$19000.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that XXXX XXXX Transunion Account # XXXX, XXXX Account # XXXX and XXXX Account XXXX XXXX had late payment on an account.The 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 have never been late on paymenton the date post for the account that i have included in the screenshot inside this complaint in on the date of XXXX.Please investigate and provide proof with statement showing that this payment was late.If proof can't be provided I demand this payment be updated to paid as agreed on time.Thanks! Please see screenshot attached :
Product: Mortgage

My loan servicer was transferred effective XXXX XXXX from XXXX ( Sterns Lending ) to XXXX. I never received notice of this transfer ; I therefore logged on to the original servicers website on XXXX XXXX and made a payment. I received an e-mail confirmation of acceptance for that payment. On XXXX XXXX, 2016 when the money had not been debited from my checking account I called to follow-up. It was at this point that I was made aware that my loan servicing was transferred as I never received the paperwork in the mail. There was NOTHING on the website notifying me of the loan transfer and I was allowed to submit a payment on XXXX XXXX, 2016, the date of the transfer. The individual I spoke to said that they would transfer my payment to the new servicer within 10 days. At this point I call the new loan servicer, XXXX, and via automated message on XXXX XXXX am notified that they do not have my loan information. I waited for more than 10 days and still no payment debited from my checking account. Additionally, the new loan service had called twice asking me why I had not made my payment for XXXX. On XXXX XXXX I again call the original mortgage servicer. On this call I am told that no, they will not be debiting my checking account for the payment even though I received a payment confirmation. Per the CFPB, the servicer should either transfer the payment to the transferee servicer for application to a borrower 's mortgage loan account, or return the payment to the person that made the payment and notify such person of the proper recipient of the payment. In my opinion neither of these actions occurred as the original servicer never once notified me that my payment was in fact not accepted ( although I received an electronic confirmation of acceptance ) and thus due to the non-acceptance needed to make my payment to the new company. Only though my own continued calling was the correct information eventually provided.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is furnishing false and deceptive information to my credit report with XXXX XXXX, Equifax, and XXXX, and possibly others. The company has somehow obtained and is using my private personal information together with other false information to set up this false account. The company 's actions are a result of identity theft. I already contacted the company to request certified proof of the alleged account and debt and to cease all credit reporting. Unfortunately the company failed to comply. This false information is ruining my credit reputation and damaging my household status. I am seeking redress to have the false information permanently deleted from my credit profile with all credit reporting agencies. I have attached my identification and identity theft report to this compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am the ongoing victim of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, bank fraud these companies were listed on my transunion credit report ( i have never heard of these, never applied, or gave my ssn, or recieved, they are all fraudulent ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX says there is a credit freeze my ssn is XXXX, i have tried to unfreeze it, it wont work, i can not access money or employment to survive
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX current on payments XXXX XX/XX/XXXX current on payments XX/XX/XXXX no data XXXX XXXX XXXX XX/XX/XXXX current on payments XXXX XXXX 30 days past due XXXX XXXX  60 days past due XXXX XXXX 90 days past due XXXX XXXX 60 days past due I am missing data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2 late payments were previously removed per dispute. All should have been removed per natural disaster and covid 19
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested verification of this account as it incorrectly continues to report on my credit reports when the furnisher has no record of account in their records. 

I had previously requested documents on the account without response to my letters and when I called the creditor, they stated they had no record of any account. 

The credit bureaus continue to report the account as updated monthly.
Product: Credit reporting or other personal consumer reports

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy.

In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 


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