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

XXXX XXXX XXXX applied for private loans on my behalf without disclosing the information. The loans are well over 7 years old and should be removed, however, they've appeared on my credit report. The debtor participated in illegal collection tactics by calling my employer and routed to the call center. Each day a different peer of mine reached out to let me know XXXX call. The entire call center was aware that I had student loan debt in XXXX. I entered a borrower 's defense claim in XXXX due to unfair practices. XXXX XXXX XXXX never helped me find a job as promised, instead listed my current job with my current employer as job placement. I still don't make the XXXX a year salary that was promised when I enrolled. I attempted to consolidate my loans after XXXX, the collection agency began to call my job and talk to everyone about the debt. XXXX only consolidated a portion of my loans and left others out. I was under the impression that I was paying on all of my loans and later found out that the private loans were charged off. Made no sense. If I couldn't consolidate them all then why bother with consolidation. Since then, I've been following up on the Borrower 's Defense claim for 4 years only to be told that my claim is still being reviewed. I've been included in 2 class action lawsuits. One for improper collection activity and the other for Borrower 's defense. Yet XXXX continues to report every month to the collection agencies of bad debt when I've been working for 4 years to resolve the matter. This issue has prevented me from being able to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has continued to illegally compel me to make payments on the account number XXXX that was included in my XX/XX/2009 XXXX XXXX Bankruptcy discharge/disposition. It is illegal for a creditor to knowingly induce a former debtor to pay a debt that has been discharged and continue to house the account with the credit bureaus, impacting my ability to attain any measurable financing for my upward mobility in the interests of my family. 

XXXX must cease and desist from further request for me to pay the debt and must remove it from my credit record and contact all the Credit Bureaus and request its removal from my credit profile with deliberate speed. 

Sincerely! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Perviously rented from a company XXXX XXXX. The company submitted an eviction XX/XX/XXXX but was canceled the same day. Unfortunately the company did not communicate with the attorney so a repossession was submitted with the court XX/XX/XXXX and a default judgement was submitted on XX/XX/XXXX. The company has submitted documents to set a side the judgement on XX/XX/XXXX. Which eventually lead to the case being dismissed. Everything was approved by the court XX/XX/XXXX. The company is still housing information that is negatively impacting even with the judge approving the judgement to be set aside.
Product: Credit card

I purchased a XXXX XXXX XXXX  in XXXX of XXXX for {$3300.00}. It was financed through synchrony bank. It was advertised as a 100 day risk free trial. I returned the bed within the 100 days and was refunded {$2500.00}. Apparently it is not risk free as they charged me {$260.00} for both the delivery of the bed and {$260.00} for picking it back up. I also purchased a mattress protector that was non refundable for {$230.00}. By the time I returned the bed, I had already made {$770.00} in payments to Synchrony which they confirmed by phone but refused to email me any statements or proofs of payment history. Since XXXXXXXX XXXX XXXXXXXX, Synchrony has told me I still owe {$400.00} to them. I ave disputed this with Synchrony 5 times. Everytime, they agree it is wrong, open a dispute then after 60 days, close the dispute without any communication to me. They actually owe me a refund of {$7.00}. In the last month, they have reported to every credit bureau that i am 90 days past due on a {$400.00} balance. Because of this, most of my credit accounts are lowering my credit limit to my current balance and is raising my credit utilization and destroying my credit. I have never been late on any payments ever. Once agan today they opened a dispute. They refused to give me a reference number or any documentation of the dispute. The difference in the original purchase price of {$3300.00} and the amount refunded {$2500.00} is {$760.00}. The total amount they confirmed I have paid is {$770.00}. I do not owe them anything.
Product: Mortgage

My client has requested mortgage assistance from PHH Mortgage Services to allow for them to short sell their property. The property has been vacant for more than 10 months and the owners have an offer for the purchase. Due to the property condition the price is less than neighboring properties. PHH declined the sale offer because the offer did n't meet the net requirement for the investor but upon further discussion the negotiator for PHH mixed up the lien position of the short sale investor ( 1st trust getting full payoff ). She thought she was handling a 1st lien short sale so the rules she was applying were incorrect. Even after admitting her mistake she still has n't straightened on the issue. She claimed to send to the investor for approval 21 days ago and keeps stating the review is n't complete. Not only is the investor losing money, but my clients are still paying insurance on the property 9 months after vacating ( they ca n't afford to pay ), and the neighborhood is being affected by the dilapidated property sitting vacant. This has been going on with PHH since last XXXX and they have the same person working on the file that messed it up last XXXX. They either need to replace her on the case and escalate it to management for completion or intervene in the process to make sure the investor is actually deciioning the file
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to request the removal of unauthorized credit inquiries on my credit report
Product: Debt collection

On XX/XX/XXXX the car loan was Charged off on my account and it reflected that. When the company charged it off I was never sent a 1099C according to the IRS any charged off of debt over {$600.00} the lender must sent the customer a 1099C there for could never file it on my taxes. 
As of XX/XX/XXXX BB & T the original lender stated I was late on a months car note payment of {$530.00} on an account that had already been charged off back in XXXX. The company also fraudulently forged payment records stating that I have been in good standing with my payments since the loan first originated in XXXX. My credit had been hit hard & Im losing money by this recent fraudulent late payment Delinquency. I would like this BB & T lender removed from my credit profile Expeditiously due to their fraudulent activities and shady business tactics. I also would like this recent late payment taken off of my record as well. According to the FCRA it must be removed. I would like it to be removed on all three credit bureaus on which it is reflecting. I dont understand why a closed account is still reporting and also report fraudulent information. I need this removed from all 3 report credit bureaus
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I disputed several items that were incorrect on my credit report. I do not believe that the investigation was conducted properly, since the incorrect items were not fixed on my credit report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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: Consumer Loan

I purchased a new Cadillac Escalade in XXXX of 2006 and took out a loan through GMAC. The loan was paid in full, see attached title and pink slip but Ally Financial,. who bought GMAC, is showing on my credit report an outstanding balance of {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
The accounts I am talking about are : 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
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. 

Account name : XXXX  XXXX # XXXX Account name : Department of EducationXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Employer ( s ) : XXXX Name ( s ) other than XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX Phone number ( XXXX ) : XXXX XXXX XXXX, XXXX has/have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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: Debt collection

I have received numerous phone calls from sunrise credit services saying I owe XXXX XXXX XXXX XXXX XXXX XXXX when I tried to ask what the debt was for they said they could n't provide me with a detailed breakdown of whats owed. ( now they are saying it takes 30 days when I have repeated ask for this breakdown ) I tried to contact XXXX XXXX XXXX directly to get information but they too wont provide me with the final bill. I canceled my service with them. I turned in all equipment and if I owed that much money my services would have been cut off long before this debt reached XXXX. I was living in an apartment when I had these services and I believe this is not my debt. a mistake was made. either way why would I pay a debt for services I did n't receive or be harassed with phone calls and letters about a debt I simply do not owe. why if owed this debt does it not show on my credit report if this was from last XXXX. why would any reasonable person pay a debt or write a letter disputing debt if its simply not owed. I cant believe there are actually people who would write a company and talk about a debt they do n't owe. here is the account Information I received. creditior XXXX XXXX XXXX account XXXX another account listed is XXXX.
Product: Credit card or prepaid card

I purchased a pool from XXXX XXXX on XX/XX/20 for XXXX with my capital one credit card. The next day the website disappeared. The purchase showed up on my statement as an electronic. There was no phone number or way to contact them. I disputed this immediately with capital one The next day the seller sent me and capital one a shipping label and tracking number showing they were sending me something that weighs less than one pound. Capital one requested I send them info to show i cancelled the purchase or that it was never received. Still to this date the item has not left XXXX and I have sent them verification of that. They said it would take 2-3 to weeks to receive its been two months. Also it hqsnt left XXXX. I did cancel the order they said if I dropped my credit card dispute they would refund me, they still haven't refunded me and capital one refuses to assist me with a refund. Also I sent capital one item descriptions and pictures to show the pool is supposed to weigh 80 lbs. Not less than one pound. I have done everything vapital has asked and I need my refund.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress+ for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX through XX/XX/XXXX XXXX XXXX, the holder of my mortgage since XX/XX/XXXXincorrectly reported 4 late payments on my mortgage payment. The attached Trans Union credit report clearly shows that each month there were payments made in the equivalent or greater than the scheduled payment. Each month although payments were made XXXX XXXX reported and Trans Union posted 30 day late payments. This has had a financial impact on me personally due to the significant credit score impacts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a copy of an FTC report to equifax and XXXX and they REFUSED TO remove the inquires. I did not authorize the following companies to pull my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The violated protected consumer rights to privacy and confidentiality I have cleared all accounts in the XXXX month. It's showing due amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint is regarding XXXX, XXXX XXXX XXXX XXXX account no.XXXX that appears on my Experian and XXXX   XXXX files. VERY RECENTLY, EXPERIAN VERIFIED the account on XX/XX/XXXX AND XXXX VERIFIED on XX/XX/XXXX.I have included with the evidence attached here a 3rd party report showing those dates OF STATUS UPDATE.I have included XXXX XXXX XXXX CFPB RESPONSE OF XXXX XXXX where they admit to 40 previous verifications of disputes with Experian and XXXX  ( XXXX ) .XXXX  DELETED THIS ACCOUNT LONG AGO WITH THE SAME EVIDENCE PRESENTED HERE. 
THE DISPUTE IS SIMPLE ... .THE FCRA DOES NOT ALLOW RE-AGED ACCOUNTS. 
XXXX XXXX VERIFIES XX/XX/XXXX AS DOFD.ACCORDING TO FCRA DEFINITION OF DOFD, THE DOFD WAS XXXX XXXXTHE EVIDENCE HERE INCLUDING A 3 DAY NOTICE, A CERTIFIED COURT DOCKET, THE JUDGMENT OF XX/XX/XXXX, THE PREPONDERANCE OF EVIDENCE SHOW COLLECTION EFFORTS ON THE DEBT ( RENT ) AS EARLY AS XX/XX/XXXX. 
THIS EVIDENCE IS SUFFICIENT TO WIN A SUIT AGAINST THE CREDIT BUREAUS AND XXXX XXXX FOR THE " 40 VERIFICATIONS '' THAT WERE INACCURATE WRONGFUL AND CARRY STATUTORY DAMAGES. 
THE CFPB HAS AMPLE EVIDENCE HERE TO PROSECUTE EXPERIAN AND XXXX  FOR ALLOWING THEIR PAYING SUBSCRIBER TO VIOLATE THE FCRA WITH IMPUNITY TO THIS POINT.
Product: Credit reporting or other personal consumer reports

Bank of America failed to send me my payment in the mail on my account ending in XXXX. I was late 2 months. I called them asking why i never received a payment. They lowered my available credit and charged me late fees when I called and told them I didnt agree to have my payment done on line. They just said sorry. This was an earror on them. I want my credit status fixed and refunded for the late fees. When I called about this issue I gave permission to have a payment taken out monthly but before this issue they were supposed to mail me the statement and failed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I respectfully request the immediate blocking and deletion of the following fraudulent account from my credit report. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these fraudulent entries. 
Fraudulent Account : 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 card or prepaid card

I signed up for the American Express Gold Delta card. Terms of the sign-up bonus was {$2000.00} spent in XXXX months and receive XXXX bonus miles. I hit the {$2000.00} spending in XXXX XXXX. 

Outgoing calls to AMEX XX/XX/2022 AMEX CSR recommend I wait XXXX weeks and my miles will be credited to my account. 

XX/XX/2022 AMEX CSR states I wasn't eligible for the sign-up offer. The previous CSR stated otherwise. Case file was opened. 

I have no closed accounts. I've never owned this particular credit card before. Nor have I ever received this particular bonus before.
Product: Debt collection

This debt collector is attempting to collect a XXXX XXXX XXXX debt that is not mine and I do not owe. This debt originated in XXXX and I have never heard anything about it until the incessant phone calls and letters from Cedars business services started a few weeks ago. I sent them a request for debt validation that was responded to with a debt verification. There was no validation. My signature on the documents provided is CLEARLY not mine. The documents and how the totals were reached are unreadable. They continue to try and collect on a debt that is not mine and falls outside the purvey of the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification  for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

I was approved for a loan with Speedy Cash for {$2500.00} on XX/XX/XXXX of XXXX. I made the following payments XX/XX/XXXX - {$740.00} XX/XX/XXXX - {$740.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$12.00} XXXX - {$740.00} XX/XX/XXXX - {$12.00} For a total of {$2200.00} dollars in payments. With the Covid-19 virus and XXXX kids in college I was not able to keep up the {$740.00} so this account went to collections with XXXX XXXX XXXX XXXX XXXX. The total that they claim that I owe is {$5800.00} for a loan that started at {$2500.00} and after making {$2200.00}. This is definitely predatory lending with outrageous fees and interest rates. I called XXXX XXXX and asked for a settlement however they said that I would have to pay {$4400.00}. There needs to be a fair settlement that both sides can agree too. At this rate I will be pay {$8100.00}. This is an 800 % interest and this should never be allowed with any company. I am willing to make a {$2000.00} payment and be done with this account. Another {$5800.00} is predatory lending and it needs to stop.
Product: Student loan

FedLoan Servicing has me for a balance of {$200000.00}. I have tried numerous times to get Loan forgiveness as I have been XXXX for the past six years in XXXX XXXX XXXX that are eligible for the loan forgiveness program. I have tried to get my payments reduced based on my income also and each time I get a much higher payment than before. I have both a mortgage and rental expense at this time in order to move closer to work to make a living. I am also a single mother trying to take care of my child. They have now put things on my credit report. I do not know what else to do while I am trying to get it reduced. Can someone help.
Product: Checking or savings account

There was a {$210.00} withdrawal on XX/XX/2018 from my Checking account from Bank of America that according to the bank associate I did, but I did not withdraw the money and they do not want to investigate or return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer XXXX XXXX, have 6 unauthorized inquires present in my consumer report that originated from identity theft. 15 USC 1681 c ( 2 ) states that consumer reporting agencies must block any information in the consumers report derived from identity theft. The unauthorized inquires include : XXXX XXXX, XXXX XXXX ( listed twice ), XXXX, XXXXXXXX XXXX XXXX, and XXXX. In pursuant to 15 USC 1681 b ( 2 ), I never gave any of these companies written instructions or authorization to pull my credit file. I request that all 6 of these inquiries be removed immediately from all 3 credit reporting agencies ( XXXX, XXXX, and Equifax ) Thank you.