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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card or loan an open-end consumer credit plan as late for any purpose. 15 USC 1681a ( 2ai ) states under exclusions, the report contains information solely as to transactions or experiences between the consumer and the person reporting.

I have reached out to both companies in hopes of resolving the matter with no success. All accounts are paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not remove the errors on my account they are derogotory i don't owe this money i called XXXX  they cant explain anything about my account because there is no record. XXXX  has it down as four accounts owing {$1100.00} i called XXXX XXXX they have me down owing XXXX not XXXX i called XXXX  coul not explain any account owing with my name, they need to remove this i have a new account with att they wouldn't of given me an account without paying the old one because i don't have a owing account closed for XXXX equipment returned {$380.00} is wrong someone made a big mistake because of this i have been denied credit for four years. i have been so stressed out about this big error. I m trying to own the American Dream this mistake that XXXX  is doing to me has ruined my name. please ask XXXX  they have it wrong please remove i attempted to remove myself and XXXX  wont do it they lied to me and i have been denied credit so many times i'm so stressed out my heart can't take it. my goal is to own the American Dream, i have been turned down so many times. i don't have dates of this error because there shouldnt be one.  Its ruin my life! please help me ask XXXX to remove. and i should be compensated for the errors they made im depressed they turned my life upside down. my name is ruined because of this. thank you.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. I found that under section 605b ( a ) TransUnion 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. 

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: Debt collection

I disputed a collection account that was added to my XXXX and Experian credit profile. This debt was added to my credit report without any knowledge. The debt collector never attempted to reach me by phone or mail
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently looking over my credit report on XX/XX/2020. I noticed that credit cards of mine are missing from my credit report file. XXXX  seems to show them but for some reason 2 XXXX cards and 2 XXXX 's cards doesn't show on equifax and XXXX. I called XXXX and XXXX 's both said they reported to all reporting credit agencies. I will show you the attachments the difference between XXXX and equifax and you guys can see the 3 cards that are missing. Hopefully this can be resolved as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX 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: Mortgage

House was damaged by XXXX XXXX XX/XX/XXXX claim checks are not being processed by mortgage company. My insurance portal from servicing company has conflicting information of when endorsed checks were mailed. Example on 'their '' portal, states endorsed checks returned XX/XX/XXXX however portal also states checks received XX/XX/XXXX. this is impossible. After numerous inquiries I also get double talk and runaround. 
Spoke with claims representatives XXXX XXXX early XXXX, XXXX XXXX thru Email wrong information given, XXXX XX/XX/XXXX misinformation and unhelpful, XXXX XX/XX/XXXX was put on hold and never to return, XXXX XXXX XX/XX/XXXX reffered back to different department extremely unhelpful. Unable to repair house fully without money from homeowners insurance which paid claim but monies not released by NewRez until house is fixed to repair damage and inspected.. How can repairs occur unless XXXX layout all my own money and pay mortgage then they release monies after inspection? I requested as to where in original mortgage papers I signed this is legal or authorized and they could not provide as this is the 3RD time mortgage has been sold.
Product: Payday loan, title loan, personal loan, or advance loan

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/year>. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

I have been made aware that Bank of America continues to violate my consumer rights excessively! I have had multiple encounters with Bank of America and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation! I did not give my consent or authorize them to furnish my nonpublic personal information! This behavior constitutes dead-right fraud and violates consumer protection laws. Bank of America has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. Account Number : XXXX
Product: Mortgage

My mortgage for my home is with Vanderbilt Mortgage and Finance, INC. XXXX # XXXX. As of XXXX 2015 the law was passed on FHA Loans PMI rate has dropped. Vanderbilt claims they are not aware of the law that was passed and has not ajusted my PMI rate according to the Law. Please Help me to make them aware and adjust my Loan amount and others. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Request for 1099-C Form and Correction of Credit Reporting Errors Greetings XXXX, I hope this letter finds you well. I am writing to formally request that XXXX XXXXXX/XX/XXXX issue a XXXX form for the account referenced above ( Account XXXX ), which was charged off on XX/XX/XXXX for the amount of {$3700.00}. This debt has since been sold to XXXX XXXX XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ), creditors are required to provide a XXXX form for any debt that has been canceled or forgiven. Failure to do so not only hampers accurate tax reporting but also violates these regulatory requirements. 

Moreover, it has come to my attention that this account, despite being charged off, is still inaccurately reported to the XXXX major credit reporting agenciesExperian, XXXX, and TransUnion. I mailed this letter off on XXXX XXXX and asked for the XXXX XXXX responded by sending my credit statement. This constitutes a breach of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and up-to-date. 

In light of these issues, I request the following actions be taken within XXXX business days : Issuance of Form XXXX : Please send me a completed XXXX form for this account so that I can use it for my tax records. 

Correction of XXXX XXXX : Immediately address and rectify any inaccuracies related to this account with XXXX, XXXX, and TransUnion. This should include updating the status of the account to reflect the charge-off accurately or removing the account from my credit files if appropriate. 

Please be advised that failure to comply with these requests within the specified timeframe will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further action to protect my rights. 

I appreciate your prompt attention to this matter and look forward to your swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I submitted a previous complaint against a XXXX XXXX for attempting to collect an alleged debt assigned by Santander. XXXX did not send all requested documents. Since XXXX is alleging they hae a legal right to collect this alleged debt they are also bound to terms and conditions of the agreement entered into with Santander. This is their notice that arbitration has been filed.
Product: Credit card

I am writing to file a complaint against XXXX XXXX XXXX XXXXXXXX credit card services. Last year, I applied for their credit card and subsequently made a purchase on XXXX XXXX XXXX XXXXs website totaling {$3000.00}. The promotional offer at the time promised 12 months of no interest. 

I set up automatic payments, assuming everything was in order. However, the company did not notify me about the high late fees that were being accrued. Furthermore, their website was frequently inaccessible, which hindered my ability to monitor my account. As a result, I did not regularly check my statements. 

Yesterday, believing that my balance was nearly paid off, I checked my statement and was shocked to discover a new balance of {$3000.00}. Upon contacting customer service, I was informed that they could not refund the interest charges. I have calculated that I now owe an additional {$1400.00} in interest. 

I feel this situation is highly unfair and misleading, given the initial promise of 12 months with no interest and the lack of proper communication from the company. I respectfully request that the credit card company refund the interest and late fees that have been charged to my account. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened for XXXX XXXX XXXX account # XXXX is incorrect.
Product: Credit card or prepaid card

I am reaching out to you regarding a theft of a credit card and multiple thousands of dollars of fraudulent charges that were made due to that theft. InXX/XX/XXXX I had to terminate my assistants employment due to finding her stealing from me on my security cameras, come to find out one of the items that was stolen from me was my AT & T Universal Citibank Credit Card along with my XXXX XXXX and XXXX cards. For over a year and a half I have been attempting to get the fraudulent charges along with interest accrued reversed, as anyone can see with my spending history, that these charges were not made by me. Im highly disappointed and very frustrated with how Citibank has handled this as XXXX and XXXX immediately credited back the charges, realizing they were fraudulent. Citibank has passed me around most recently speaking with XXXX, XXXX and XXXX from their security department saying that the case is denied due to the fact I had authorized my assistant to use my card. When I did authorize her to us my card it was right after I had XXXX XXXX as well as XXXX XXXX resulting in a XX/XX/XXXXso I was unable to leave the house for my medication so at the time and only that time I did ask her to pick up my medicine. However, as I mentioned before when she was terminated she STOLE several credit cards and used them WITHOUT my permission causing these charges to be accrued. I was advised by XXXX in Citi Banks security department to contact Citibanks specialty team department as they take the time to truly research fraudulent charges. About 4 months ago I sent a written letter to them with all the documentation highlighting the charges and explaining my case and I have yet to hear back from anyone. Im anxious to get this account settled as the charges as well as the interest accrued has added up to roughly {$15000.00}. I have continued to make payments on the card as I did not want this situation to effect my credit score, after a year and a half of no answers I am hopeful you will be able to help me settle this. I am attaching the statements including fraudulent charges. I also have emailed XXXX XXXX and XXXX XXXX ( both CEOS of Citibank ) with no response so again Im hopeful you are able to help me.
Product: Debt collection

I received a letter collecting on a debt owed to the IRS, even though the debt is not mine. I know this not only because all of my taxes have been paid to date, but also because the letter does not identify me properly and has the wrong SSN listed. This seems to be a shady practice of claiming to collect on a debt that does not exist.
Product: Credit reporting or other personal consumer reports

Kia Finance is reporting 2 late payments on my credit file with the three main credit reporting bureaus. They claim I was 30 days late in XXXX of XXXX, and XXXX of XXXX. This is incorrect! My banking institution had an error with Kia Finance and THAT was the reason my XX/XX/XXXX payment was late -- it was resolved asap by me. In XXXX of XXXX, I had asked to have my payment deferred for the " KIA ACCELERATE THE GOOD '' COVID program and was told my payment would be deferred. I made some payments at this time through XXXX XXXX, and for some reason, KIA lost the payment! Finally they have found it, but are reporting me late. I have sent numerous documents to the Customer Service Dispute line, and talked to a representative in the Corporate Office, and tried to dispute with the credit reporting agencies... .my hands are tied because KIA refused to correct the information. I have since paid off my KIA lease in good faith, and turned my car in several XXXX miles under the allowed mileage in great condition. I am a long time KIA owner and I can not believe this misunderstanding is happening. Kia claims they will send me a payment history, but their information is wrong! These two late payments are marring my credit file. I have no recourse but to seek legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$620.00}. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$680.00}. 

ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$1100.00}. 

ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$0.00}.
Product: Vehicle loan or lease

In XXXX of XXXX I refinanced my auto loan. Included in the finance is my TX license plates and my TX registration. In XXXX I made a complaint that I did not have my TX tags and registration. I was told to wait. 

In XXXX of XXXX I complained again and was told TX needed proof I paid taxes on the purchase of my vehicle. This vehicle was purchased new. I provided my sales receipt showing taxes paid. This was disturbing because TX only asks for this proof if paperwork is incorrect. 

I provided the information to the loan company on XX/XX/XXXX. 

On XX/XX/XXXX I contacted my loan officer via email. I received no response. 

On XX/XX/XXXX I called the XXXX number and was told my complaint was being emailed to all managers and I would receive a response in 24 to 48 hours. I received no response. 

On XX/XX/XXXX I called the XXXX number and was told my complaint was being emailed to all managers and I would receive a response in 24 to 48 hours. I received no response. 

I seem to have no way to communicate with anyone at Auto Approve!
Product: Credit card or prepaid card

UNAUTHORIZED CHARGE ON XX/XX/23 FOR {$5700.00} AND DISCOVER IS NOT ASSISTING ON THIS FRAUD CHARGE- I CALLED THEIR CUSTOMER SERVICE AND FRAUD DEPARTMENT AND GET THE RUN AROUND- HAVE BEEN HUNG UP ON 4 TIMES- I NEED THIS RESOLVED NOW.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I am in disagreement with the items that are still reporting negatively in my credit file, even after your investigation. I would like these items immediately re-investigated and removed from my credit file. I've reported the theft of my identity to the federal trade commission 's and enclosed a copy of an identity theft report affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

I asked Discover Bank to transfer my IRA to XXXX Bank. XXXX Bank sent Discover Bank all requested paperwork yet Discover Bank refuses to wire my balance.