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

A few years ago someone filed federal taxes in my name which now requires me to use an IRS issued identification number to file my taxes.Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when I pulled my credit reports XX/XX/2023. I pulled my credit because I am interested in XXXX my XXXX XXXX & wanted to apply for FAFSA ( federal aid ). I figured to check before applying for federal student aid. I have filed a dispute with XXXX XXXX and XXXX. 

All of the information ( credit reports, identify Theft Victims Complaint Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report, in which the accounts listed in the documents that start with Exhibit to FTC Affidavit Page, are fraudulent. 

What bogies me is that I have fraud alerts ( freezes ), on my reports. However, lately ( within the past few months ), Ive been receiving weird, unknown calls. 

I have also filed a complaint with the CFPB. 

I am willing to prosecute.
Product: Credit card or prepaid card

I had no Idea my Discover account was closed until I checked my credit report. I haven't received notice in the mail, email, or by phone. I called to verify that the account was actual closed today ( XX/XX/2022 ) and a representative from Ohio stated it was closed. I asked for the reasoning and she stated that there wasn't one. She stated they do routine account checks and there was a business decision made to close the account. The representative could not provide any reasoning. This is odd. I never missed a payment, I do not max out my card and I over pay on it regularly. I have no idea why Discover would close my account. I would like my credit account re-opened! 

This really bothers me because I called in prior to this about a particular charge on my account that was fraudulent. Discover reversed the temp credit and deemed it valid because they said I couldn't provide anything saying that that was a refund owed to me by the company. I further explained to them that the company that scammed me would not provide me any sort of documentation like that. XXXX XXXX XXXX XXXX Discover-Told me I couldnt receive a credit because I did not have anything staying there was something owed to me. I couldn't believe this. As a consumer, you automatically are insured with your credit companies. They are supposed to make sure you are protected against fraud. I asked to speak to a supervisor. XXXX XXXX with Discover said there wasn't one available and they would give me a called back within 48hours. I never received any sort of follow up. Next thing I know, my account is closed. This seems to me like discrimination. I would like to further this issue.
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

THIS IS THE SECOND TIME I ATTEMPTED TO GET MY CREDIT REPORT AND EQUIFAX HAS ASKED BOGUS QUESTIONS TO PREVENT ME FROM GETTING MY CREDIT REPORT ON LINE. NEITHER XXXX NOR XXXX HAVE THIS BOGUS INFO L ; LISTED ON MY CREDIT REPORT THAT EQUIFAX IS ASKING FOR. ALSO I AM XXXX WHAT THEY ARE DEMANDING I DO IS NOT ONLY TIME CONSUMING IT DISCRIMINATES BASED ON XXXX BECAUSE THE ONLINE REPORT ACCOMMODATES MY XXXX. WHEN I CALLED THEY REFUSED TO SEND ME A COPY SAYING THEY ALREADY SENT ONE. NOT TRUE. I AM UNABLE TO GET THE REPORT ONLINE, UNABLE TO ORDER IT BY TELEPHONE AND HAVE WEEKS OF DELAY WHEN REQUIRED TO MAIL A REQUEST. I WAS DENIED CREDIT BASED ON WHAT THEY SAY AND AM TRYING TO RENT A HOME. I CAN NOT AFFORD THE DELAY. THIS IS THE SECOND TIME I ASKED FOR MY CREDIT REPORT AND I NEVER RECEIVED IT. I AM ILL AND CAN NOT KEEP FIGHTING WITH EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
The identified transactions are not information related to any transaction by me as the consumer : DEPTEDXXXX XXXXXX/XX/2017 DEPTEDXXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX  Account Number : XXXX  Delete this account.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTXXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current.
Product: Debt collection

I made my mortgage payment by phone on XX/XX/2022. It was deducted from my checking account on XX/XX/2022. Citizens Bank, which holds my mortgage, says they did not receive the payment. I have provided the confirmation number I was given when I made the payment. I have sent them the tracer number from my bank XXXX XXXX XXXX  ). I have sent them a screenshot of my account showing the debit of {$2900.00} going to Citizens Bank on XX/XX/XXXX. They haven't responded to any of this, and when I call insist that I owe them for XXXX, 2022. 
Thank you for any help you can give me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on three separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

I have had ongoing issues with this company. First I had close to XXXX worth of fraud charges done in 8 separate transactions on my card XX/XX/20. I immediately called and had the card locked. In another complaint Ive issued they had done ever provisional credit incorrect and I had to call countless times to get them to fix. Finally those were put on my card. On XX/XX/20 I get an email stating Ive withdrawn one of the disputes in these fraud charges of {$190.00} and since I have withdrawn it would be in favor of merchant and it was put back on my card. I NEVER withdrew. I immediately called when receiving that email and they said of course I didnt they would issue the dispute again. They have not and it is still on my card. Payment is in 4 days and it will hit my perfect credit history. Attached is all of these transactions and the total about from this merchant. Adding all together and subtracting the XXXX they have taken out they have not given me back full correction adjustments. I have yet to receive a call back from their escalation team and complaint department that I was assured would be calling me because of how many things Ive had to go through and beg to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request in filing a case against the 2 Credit Bureaus for violation of the Fair Credit Reporting Act or FCRA Section 605b. These credit bureaus have engaged in unfair and deceptive practices by providing inaccurate and misleading information, therby, it was subjecting me to harassment. I demand an immediate deletion of these violations compensation for the damages caused and affecting my credit score, with this, I am asking for your assistance to delete these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX - XXXX XXXX XXXX Balance {$360.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} ; XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX, XXXX XXXX XXXX : {$48.00} ; XXXX XXXX XXXX  XXXX XXXX, AR XXXX ; XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
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 719XXXX 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 XXXX 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Student loan

After being hounded incessantly and continuously even during the pandemic, I agreed to a settlement offer from Navient. I understood this would pay ALL my loans with them and be final. I used my pandemic assistance money and paid them {$2200.00} on XX/XX/2020. 
I waited for them to say I was finally done with them after more than XXXX years. 
I learned I wasn't. 
AFTER I paid the amount to stop the harassments once and for all, I was informed it did NOT pay all the loans... .only XXXX of XXXX DIFFERENT LOANS! 
My offer letter continuously referred to the loan ( XXXX ) I was paying off in the plural, clearly and purposefully misleading me to believe I was paying all my loans off. 
Fast forward to today and now Navient has lost a lawsuit requiring them to forgive my debt as part of punishment for this exact kind of gross misrepresentation. 
They misrepresented themselves back in XX/XX/2020 and I want them to give me back the {$2200.00} they took from me under duress and under false pretenses. According to the terms I received of the lawsuit, payments made during the same period I made mine have to be given back. 
Please help me reach out to them and get the {$2200.00} back, It was a huge amount for me then and now, without pandemic assistance, is even more important. 
Thank you! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card

I've consistently made sure payments on this account are on time, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be rectified.
Product: Credit card

XXXX, XXXX of 2016, I was late for the Target Red card credit card payment because I was overseas. When I called Target Red card service rep, they helped me with the payment, and I paid off the balance in full. To avoid further late payment ( I do n't really use this card that often ), I requested for autopay so that I do n't have to worry about being late again. Target on the phone said they would set it up for me. I appreciate her help and thought that I had autopay In XXXX I spent {$32.00} at Target and I did n't read the statement when it came. It was n't a big purchase so I disregarded the statement. I also know in the back of my mind that I had autopay and that it will automatically deduct and pay back. 2 months went by until I was in store and my purchase was declined. It was then that I found out I was deliquent by 2 months I immediately paid, but I was too late and Target reported my deliquency to the credit bearu. This is the first time I was late for any payment. I had XXXX payments lifetime payments and XXXX payments were on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please make appropriate corrections reported as late payments on Penny Mac listed account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card or prepaid card

I have a promotional rate and not able to make payments right now due to COVID-19. Discover does not want to defer the XX/XX/2020 payment.
Product: Credit reporting or other personal consumer reports

Experian has failed to adhere to 15 U.S.C. Sec. 1681i ( a ), by failing to complete an investigation within 30 days of receipt of a dispute letter. On XX/XX/XXXX, I sent a dispute letter to Experian informing them that were reporting a late payment for the account XXXX in XXXX XXXX which is inaccurate. My account with XXXX XXXX XXXXXXXX was deferred due to XXXX and I was protected under the CARES ACT. It has been over 8 months, and Experian has failed to remove the late payment reporting XX/XX/XXXX. I urge Experian to address this matter promptly and rectify the inaccuracies on my credit report within 7 days since this is long overdue. Failure to do so will leave me with no option but to initiate legal proceedings. I have documented our communications and the specific instances of non-compliance, which will be presented as evidence in any legal proceedings. It is my sincere hope that Experian will take immediate action to rectify this situation and prevent the need for further legal action. Please see the attached dispute letter sent 8 months ago which is dated and time stamped.
Product: Mortgage

Dear Consumer Financial Protection Bureau, Currently, I am delinquent in my mortgage loan of my owner occupied and primary residence located in XXXX XXXX, FL. The mortgage loan is being serviced by Mr. Cooper aka Nation Star Mortgage, which is the servicing mortgage loan company of trustee XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I requested loan modification back in XX/XX/XXXX from Mr. Cooper aka Nation Star Mortgage. I requested loan modification to avoid foreclosure and because I lost my employment due to COVID-19. They sent me a letter denying my loan modification request on XX/XX/XXXX. They are only giving me the options of a short sale, deed In Lieu and reinstatement of mortgage loan with a single-lump sum payment to bring mortgage current by paying all past due amounts, which is a large amount exceeding my capacity to pay. I have asked Mr. Cooper to negotiate the single-lump sum payment amount and reduce it to one quarter or half of the single-lump sum payment amount being requested. In fact, I have even proposed to reinstate the mortgage loan by making several trial payments or payment arrangements in smaller amounts so that it makes it easier for me and I can keep my home, but Mr. Cooper does not even want to negotiate. At this point, Mr. Cooper does not want to accept any affordable payment arrangements or offers to reinstate my mortgage loan. They are simply making it as a high single-lump sum payment and not even consider approving my mortgage loan modification request. 

I appealed again loan modification to Mr. Cooper on XX/XX/XXXX, asking for negotiation of single-lump sum amount requested, and they sent me letter advising me that they will consider evaluating my mortgage loan modification request, but to be on the look out for foreclosure notices coming soon. They have not even attempted to request any financial information from me. My income is stronger in XXXX compared to XXXX income reported to IRS. I believe that Mr. Cooper is not making an effort to evaluate my appeal of a new mortgage loan modification, and they are just simply moving forward with foreclosure proceedings after XX/XX/XXXX when the mortgage/rent moratorium ends. 

I am asking for your intervention in the mortgage loan modification and negotiation of single-lump sum payment being denied by Mr. Cooper and its trustee XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX ). Please help me keep my home so it does not escalate to foreclosure proceedings. I am willing to make affordable payment arrangements and start paying my monthly mortgage loan payments approved by a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 my identity was stolen, someone used my personal information to obtain credit under my name. I have resolved all those accounts but recently pulled my credit report and found inaccurate collections accounts on my credit report. The accounts appear to be medical bills which I haven't been to a doctors office or emergency room in years.
Product: Debt collection

I paid the amount requested from Portfolio Management group and they still list me as disputing the account causing me to not quantify for a XXXX loan because of a dispute collection account.