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

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) ; XXXX XXXX Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) ; XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting or other personal consumer reports

I am the person making this complaint & I give CFPB authority to investigate this claim. I am writing concerning the following account XXXX XXXX XXXX XXXX XXXXXXXX. I am disputing the account type. It's inaccurate. Please delete it. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems getting the XXXX  30,60, and 90 days removed off my credit. I was not properly notified that XXXX or XXXX XXXX was going to report to credit report. I am XXXX  so could not read the bills because not XXXX  and no one communicate over the phone. I contacted the bank multiple times one staff told me it is not there responsibility that I XXXX. I also called the automated system does recognized my ssn number and being forced to stay on phone for at least 45 minutes. 
I believe the company violated my rights because I am not properly getting accommodation for my XXXX. I reached out to the company over 90 day period and was told could not find my account.
Product: Debt collection

There are accounts on my Equifax credit report that are inaccurate, fraud, and identity theft. 
XXXX. XXXX XXXX XXXX which ended up being a charge off in XX/XX/XXXX. I have never heard of this place, and this is not my debt I have sent multiple letters as well as sent in disputes on this matter. 
XXXX. XXXX XXXX XXXX XXXX ( Closed ) this is marked as a write off which is inaccurate this was paid in full. there was never a write off for the amount of {$340.00} XXXX. There are multiple Inquiries on this account that are not mine I have filed a report with the Federal trade commission, filed disputes, written letters the following Inquiries are identity theft and were not made with my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It is also listed that there are several collections on my report. I have contacted these companies all of the listed above and filed disputes, of XXXX. 
The collections listed below XXXX XXXXXXXX XXXX XXXX I have never had any other insurance agency other than XXXX I have filed disputes, written letter, spoken to XXXX XXXX XXXX XXXX. this is not my debt neither is the account for XXXX as previously stated I have only ever used XXXX insurance. I will be filing police report and filing a neither FTC report as well. 
I want these items removed immediately from my report. 
In addition, there are inaccurate names and address and employers on my account i would like all removed but the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date opened XXXX  {$36000.00} is still reporting on my credit report but that debt has been discharged.
Product: Credit card or prepaid card

I've been waiting for my EDD Bank of America card for 8 days now it got sent off XX/XX/XXXX it takes 7 to 10 business days through priority mail UPS I've called the bank to have money transfer to my own bank account XXXX XXXX verify myself to the bank through EDD reps etc etc I keep going to run around and yet still have no bank card and they won't provide me a tracking number to find out where my bank card is they won't give me any kind of information Bank of America due to where my card is they keep asking me to verify myself just to send myself XXXX XXXX and they will not let me transfer any kind of my money to my own checking or saving account and it's been going on for about a week now and I still have not received my bank card
Product: Vehicle loan or lease

I got a buy out quote around XXXX & paid off my lease XX/XX/22. Kia requested an odometer form which I submitted. A week after they requested a tax form that they would mail. I signed it & submitted it XX/XX/22. I called & they said everything was received around XX/XX/22 & in their system. I called again in XXXX & they said they didn't have the odometer statement, I said I submitted it online, & then they found it. I called early XXXX and they told me their title department is short staffed & I'm one of many waiting for my title. They offered to escalate the situation. I called again in XXXX & they told me the system showed everything was received & it waiting to be reviewed/processed. I was told the same again the next time I called. After this every time I called I asked to speak with a supervisor. They would say they can't find my tax form but in the system it says it was received, being reviewed & their title department is short staffed. Online it states once you send in your buyout quote, complete odometer & tax form it takes 20 business days. By XXXX I was frustrated and seeking answers, no one could give them. I asked about compensation for the delay as my husband died in XXXX, I'm a single mom of XXXX kids and need to sell the car they are holding the title hostage. By XXXX I am only speaking to supervisors which take my number & say they call with an update in a week & never do. Finally XXXX one supervisor asked if I had a copy of the tax form I had submitted & I did. She asked that I email it to them. On XX/XX/22 someone calls saying i put the wrong VIN # on the tax document. I told them I did not fill out the tax document, Kia finance completed & mailed to me, & said a supervisor would call me. No one did so I called & when they issued a corrected form it had the wrong VIN again so they submitted to a department to fix. I have received no call back, no compensation, & no title. All delays and errors have been made by Kia & I've lost thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove this fraud student loan on my account for more than 4 months. Credco during a call called the vendor and they could not verify the loan. I submitted the request for removeal twice to credco and it came back 2 twice as an active loan ; but its not. I believe using your agency would be the next step to remove the misreporting. 

the passcode for the PDF is : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of XXXX XXXX and XXXX XXXX accounts that are inaccurately reported on my Experian credit file. Despite multiple disputes directly filed with Experian, these fraudulent accounts remain on my report, negatively affecting my credit standing. I am a victim of identity theft, as confirmed by the Identity Theft Police Report I filed on XX/XX/year>. These accounts were opened without my consent and do not belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate credit reporting and to dispute any information I believe is incorrect or fraudulent. The continued presence of these accounts on my Experian report constitutes a violation of my rights under the following FCRA provisions : 15 U.S.C. 1681c-2 : Experian is required to block information resulting from identity theft from appearing on a consumer 's report upon receiving a valid identity theft report. Despite my submission of such documentation, the fraudulent accounts have not been removed.

15 U.S.C. 1681i : Experian has an obligation to conduct a reasonable investigation into disputed information. My repeated disputes and the police report have not prompted any corrective action, indicating a failure to comply with this requirement. 

15 U.S.C. 1681s-2 : Creditors, including XXXX XXXX  and XXXX XXXX XXXX must report accurate information. Their continued reporting of these fraudulent accounts, even after being notified of the identity theft, violates this duty. 
I am requesting that the CFPB take immediate action to ensure that Experian removes these fraudulent accounts from my credit report. This ongoing inaccuracy is causing me undue harm and stress, and I am entitled to a resolution that upholds my rights under the FCRA.
Product: Debt collection

In XX/XX/XXXX we contracted XXXX XXXX to install a new Heating and Cooling system. We agreed. They indicated they used GreenSky and XXXX XXXX XXXX to extend the 18 month 0 interest loans through. I have excellent credit so I was not concerned. I put a substantial amount down on the loan to ensure that I would pay it off in the 18 months. They initiated the loan on XX/XX/XXXX. I made the first payment on XX/XX/XXXX through an electronic payment. They did not credit the account - I had bank contact them. They finally acknowledged payment. My payoff on the account is higher by half of the {$390.00}. payment than what it should be if you call in. The statement for the payment made electronically on XXXX is not showing today on XXXX. I have not received any statements for the XX/XX/XXXX Payment. There is a download button which does not work on their website so there is NO WAY TO ACCURATELY DOCUMENT WHAT THEY ARE DOING or WHAT THEY ARE CHARGING. They repeatedly tell me that if it is paid off before XX/XX/XXXX I will not incur any interest but I have very little faith when they do not even provide statements or a method to download the statements. And they are unable to update their online account with payments and statements to reflect what is paid and how it is applied.
Product: Mortgage

Our loan was transferred from XXXX XXXX XXXX dba XXXX XXXX, with a large escrow shortage. We have held this loan for 2 years and 3 months of escrows were collected at closing and no changes to tax or insurance since this time. We never had a problem with the escrows until it was transferred to Mr. Cooper loan servicing. I have already got all documentation from Mr. Cooper showing that they received the loan with a large escrow shortage. I have talked on the phone with XXXX XXXX on XX/XX/2019, and on this same date faxed over a request for an investigation into the shortage. XXXX XXXX sent a letter dated the same day saying they will look into it. As of XX/XX/XXXX nothing had been done about the inquiry So I sent another fax on XX/XX/XXXX. I sent the letter they sent to us dated XX/XX/XXXX asking what has been done to solve this investigation, only to receive another letter XX/XX/XXXX that they would look into it. It has been over two months since we made our inital inquiry with no resolution. I am aware of 12 US code 2605 e-2 regarding the 30 days to receive a response and XX/XX/XXXX was well beyond the 30 days not counting weekends and holidays. We need this solved asap.
Product: Credit card or prepaid card

I scheduled an electronic payment. They canceled it/ never processed my payment. Then they charged me a late fee and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed our spectrum/charter cable account and was told a corrected bill would be sent to me after they credited our returned equipment and i could not pay the current balance until a corrected bill was sent. The cable company sent our corrected bill to the wrong address eventhough they had my correct billing address. They sent one bill to the wrong address and then sent it to collections for {$220.00} even though their automated system still said we had a zero balance. The cable company stated we owed {$1.00} on a separate account and sent it to collections for {$1.00} dollar. Ive sent a letter to the credit bureaus and 2 bureaus removed but equifax would not respond for over 90 days, they wouldnt remove as required and then said it was a valid account eventhough the company violated collection laws and guidelines.
Product: Mortgage

I make my total mortgage payments ( $ XXXX/month ) paying {$320.00} bi-monthly when I get paid. I have been paying my mortgage like this for almost 2 years. Received a letter threatening foreclosure from my mortgage company claiming I am behind in my payments. I can submit proof I have NOT missed ONE payment ever.
Product: Credit reporting or other personal consumer reports

I am requesting a 1099c for this account. The creditor has charged this account off, but it is a negative charge on my credit report. Also, I want a XXXX bureau request to delete this charge off. 


Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status XXXX Days Late Account Details Account status Derogatory Type Unsecured Responsibility Contractually liable Remarks Profit and loss write-off Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX
Product: Credit card

This complaint is about a credit card account I closed. 

On XX/XX/2024 I contacted UMB Bank XXXX XXXX and told them I want to close my credit card account and have them return to me the over {$77000.00} credit balance on the account. The credit card account has been closed and Ive attached the letter from UMB confirming closure. 

On XX/XX/2024 ( XXXX PDT ) I received a call from someone at UMB Bank XXXX XXXX ) who told me that the bank wants me to reopen the account and spend my funds at XXXX ( an XXXX XXXXXXXX XXXX OK XXXX XXXX dealer ) rather than having UMB Bank return my funds. The male told me that if not his approach, then returning my ~ {$77000.00} to me would take 90 days. 

I think it was wrong for UMB Bank to ask me to reopen the account and spend the funds at XXXX. Additionally, I assume there are regulations about the amount of time a credit card company has to return funds to the owner when a card account has been closed. It may be 90 days, but I hope its less and if it is less then it was wrong to say it would be 90 days. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OR XXXX XXXX XXXX ( XXXX ) Attached ; Credit Card account closure confirmation letter from UMB Bank Card Services
Product: Vehicle loan or lease

XX/XX/XXXX, I got a car financed through Santander Consumer USA bank for {$12000.00}, now it is XX/XX/XXXX without missing a payment. My loan is still {$10000.00}. It only went down that little because I started paying more. The XXXX loan was 72 months and the interest was already inside of the payment {$320.00} and then they added a simple interest also. I discussed this with several Representatives nothing never changed. I am not reaching out to you for help. Because if I haven't paid this loan down by now, it will never go away. 
Thanks
Product: Mortgage

I have a case pending # XXXX that seems to be going nowhere. It appears that Chase can do whatever they will to me with no help from my government agency. I have been complaining since XX/XX/XXXX about the predatory rate and the fact that the loan was made to me by an unlicensed lender and sold to Chase. They have had BPO 's done that inflate my property value so I can not qualify for the HAMP or HARP programs to save my home.I have given them evidence of major repairs so they can work with me but they ignore any info I send to them. I work with homeowners everyday as a real estate broker and I know I can qualify for these programs and I know my market area. The investor XXXX XXXX XXXX will not allow me to take advantage if any these beneficial programs. It appears CFPB is more interested in protecting Chase instead of me.I am attaching the most recent comps in sales in my neighborhood for your review. My home in its present condition will sell for about {$200000.00}. The most recent BPO has it at {$320000.00}. The one before that was {$450000.00}. They have no evidence of any sale in my neighborhood for no where near that price. I am having a home inspection done today and I will forward it to you. I have disputed the decision for them to deny me a fair principal balance reduction and rate reduction. They claim to be reviewing and will let me know by XXXX/XXXX/15. I do not believe they have any intentions of doing anything different than asking for current up to date payments and or deed in lieu or shortsale. This is the way they handled the last request. It would be nice if I can see something you all are doing for me except sending me reply after reply saying absolutely nothing. Thanks in advance for your assistance.
Product: Credit reporting

This is in reference to TransUnion , LLC continuing to report an account from XXXX XXXX XXXX on my report that includes inaccurate information, specifically the date the account was opened and the original amount owed. I disputed this information and currently have submitted a re-investigation. The original creditor was XXXX XXXX XXXX , XXXX and the debt was incurred in 2011 for {$510.00}. This inaccurate information is causing adverse actions in terms of credit and employment.
Product: Credit reporting or other personal consumer reports

Every time I need to do a temp freeze lift on my credit on TransUnion its always gives me an error saying that, that information in unavailable and I always have to call. I spoke to someone today they said I needed to send in a copy of my social or drivers license to verify that its me in order to get my profile updated
Product: Credit card or prepaid card

Hello, i opened as account with paypal smart connect credit card online in 2011 and since that they were charging me security fee depend on balance every XXXX $ their fee was XXXX $ and eastimate last 8 year they were charges me more than 5000 . That fees without my permission and never signed any aplication About car security fee and never received any letter about them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Money transfer, virtual currency, or money service

the account is locked because I can not remember a phone number I had 3 years ago. I have tried MANY times to email them and they do NOT respond ( A common problem with them ).
Product: Debt collection

XX/XX/2019 XXXX hired a collection agency to come after me. I paid the settled amount that the debt collector and XXXX  agreed on. The email says that XXXX agreed to waive the XXXX and I could pay the remainder. Thats what I did. Now XXXX  says I owe them XXXX. I have the email that says XXXX  agreed to waive this amount. I settled the debt and paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A FEDERALLY PROTECTED CONSUMER. And in light of the recent investigations brought upon EQUIFAX. I find my consumer file is irresponsibly tampered with. Ever since the first EQUIFAX BREACH 2017.I have made several attempt to remind EQUIFAX of there DUTY PURSUANT OF 15 USC 1681. It appears EQUIFAX is intentionally and willfully being neglectful in remedying my affairs. 15 USC1681E ( B ) assures that I am due promised accuracy in my report based on FEDERAL LAW. This is another attempt by going thru the CFPB to have errors corrected on my consumer report 15 USC 1681i ( A5 ) SAYS that after all reinvestigations all the unverified information be removed. You can see in your system that these accounts I list below that were previously disputed without being thoroughly investigated thus I know that it cant be verified or validated ''. EQUIFAX DELETE THESE ACCOUNTS 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