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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$710.00} {$710.00} {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$27000.00} {$27000.00} {$27000.00} No. of Months ( terms ) : 79 79 0 High Credit : {$34000.00} {$34000.00} {$34000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported XXXX XXXX XXXX XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Consumer disputes- reinvestigation in progress Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX  Two-Year payment history Month XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Mix should not have C grade.Account mix moved from A to C grade. 
There are currently 4 missing accounts not being reported to the account mix  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Closed loan Please Report XXXX XXXX Account mix correctly Credit Usage should not be N/a XXXX XXXX has XXXX XXXX credit accounts XXXX revolving lower XXXX XXXX usage XXXX XXXX XXXX XXXX  Inquires should not be on B and should be removed from XXXX XXXX credit score Please remove the Inquiry
Product: Debt collection

I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/year>. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX SOLD TO NATIONAL RECOVERY. THIS ACCOUNT IS FRAUD AND NOT VALID. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not accept my dispute to XXXX XXXX. Theres no account number it shows all XXXX. Im not even sure if its mine at this point. The date they claim it was opened is the same date they started reported it.
Product: Debt collection

This GC Services calls late after XXXX and I'm XXXX and on medication, and they wake me and this is disturbing.
Product: Debt collection

I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from XXXX XXXX XXXX XXXXXXXX. I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and XXXX  has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining credit.
Product: Checking or savings account

( 1 ) Identity was stolen and someone opened multiple Charles Schwab account on my name. 
( 2 ) Apparently Charles Schwab has very low standards. So its used by hackers and fraudsters. 
( 2 ) They used Charles Schwab to move funds from my XXXX account to Charles Schwab and then out from there. 
( 3 ) I contacted Charles Schwab when I saw the issue. Charles Schwab has not closed my account since then. Contacted them multiple times. Accounts are still open. No help on cyber or risk managment from Chales Schwab. 

I stopped by their branch and they dimissed me with an 800 number. 
The 800 number they gave me did not help either. 

My accounts are still open and the hackers are probably still using it.
Product: Mortgage

My payments keep going up with Wells Fargo. I am now at 14 % and I cant afford to pay this and I only owe XXXX on my home. I paid XXXX on XX/XX/XXXX and paid XXXX on XX/XX/XXXX receive a letter stating that I owe XXXX due by XX/XX/year> this doesnt add up.
Product: Credit card or prepaid card

By Federal law my vendor must refund to my credit card however Citibank put the refund on the credit card that they closed.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of inaccurate and conflicting information reported on my credit report by XXXX XXXX XXXX Their misreporting violates federal law and has caused unnecessary harm to my creditworthiness. 

XXXX XXXX initially reported a charge-off on my account, then subsequently updated the information to state I was 90 days late instead. Both can not simultaneously be true, and this inconsistent and misleading reporting constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Under the FCRA, furnishers of information are legally required to ensure accuracy in the information they report : 1. Accuracy of Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : Furnishers may not provide information to credit bureaus if they know or have reasonable cause to believe it is inaccurate.

2. Duty to Correct and Update ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers must promptly correct and update inaccurate information. 

XXXX XXXX has failed to comply with these legal obligations by reporting conflicting and inaccurate information. Their actions not only misrepresent the status of my account but also damage my credit score and financial reputation. 

I demand the following : XXXX. XXXX XXXX immediately removes the inaccurate charge-off and 90-day late payment information from my credit report.

2. A corrected and accurate credit report is issued and provided to me. 

If these demands are not met, I will have no choice but to escalate this matter by pursuing all available legal remedies, including filing complaints with the Federal Trade Commission and considering legal action for damages caused by this negligent reporting. 

I have attached all relevant documentation, including credit report entries and correspondence, to support my claim. I trust the CFPB will act swiftly to address this matter and ensure my rights under the FCRA are upheld.
Product: Checking or savings account

Complaint to CFPB : Subject : Unfair Holding of Consumer Funds I am filing this complaint regarding unfair practices by businesses and financial institutions that hold consumer funds longer than necessary. Specifically, XXXX in XXXXXXXX XXXX, required an upfront payment of {$450.00}, including a {$50.00} application fee and a {$400.00} security deposit, with no guarantee of approval for moving in. This practice is exploitative and places undue financial stress on consumers. 

When I attempted to address this issue with Navy Federal Credit Union, they failed to take timely action to resolve the matter. Consumers should not be subjected to extended holding periods for their funds. If businesses are mandated to make payments within a reasonable timeframe, the same standard should apply to consumers. Holding funds for longer than 35 business days is unreasonable and constitutes taking advantage of consumers. 

I urge the CFPB to investigate these practices and ensure that businesses and financial institutions adhere to fair and transparent timelines for handling consumer funds. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX AND EQUIFAX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I DO NOT RECOGNIZE THESE INQUIRES : XXXX AND EQUIFAX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Debt collection

There is a company CIT Bank NA listing a Mortgage on my credit file that is inaccurate and false information reflecting an account number XXXX. I have never had a {$620000.00} mortgage loan. I have disputed this information prior without a single response. This information is false and violating my rights. Please help assist me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and someone used my personal information to obtain these goods and services in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts. I am requesting for Transunion to remove and delete these fraudulent accounts immediately or legal actions will be taken against Transunion and any affiliating creditors under FCRA XXXX. 
XXXX XXXX XXXX ACCOUNT NUMBER # : XXXX BALANCE : {$4800.00} XXXX. XXXX XXXX ACCOUNT NUMBER # : XXXX BALANCE : {$2600.00} I have attached a copy of my police report to support my claim. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Trans world systems on numerous occasions trying to resolve this issue on this account this account is paid and should be removed They referred me to contact XXXX XXXX XXXX @ XXXX several times I'm not sure who that is and if the payment has reached them they told me to pay XXXX and the account would be removed from my report because the settlement has been satisfied this is stopping me from have a correct score on my report please Remove the account from my report. I spoke with XXXX at the law firm on XX/XX/2020 for the third time trying to have this resolved.
Product: Money transfer, virtual currency, or money service

I was scammed out of money XX/XX/year> {$500.00} + $ XXXX $ XXXX $ XXXX $ XXXX {$200.00}
Product: Checking or savings account

I was a victim of the infamous XXXX XXXX where someone posing as a representative of Wells Fargo called me saying my account had been compromised. My caller ID said Wells Fargo, they asked me to do the same things that Wells Fargo regularly does, and in the process they nearly drained my account. I filed multiple claims with Wells Fargo, was denied and told there was no appeals process, even though this protection bureau states clearly that they are liable. Its going on a year now, and all Wells Fargo has done is started adding fees onto various accounts I have with them. I am a XXXX XXXX XXXX and was actually in the room with a XXXX XXXX  with this scammer called me. My life has been stressful enough with all the pandemic brought to my doorstep, and Wells Fargo has been the furthest from helpful in resolving this. With my account then having a negative balance, any money sent to it was swallowed up as repayment. I had my XXXX sellers account still linked, and my XXXX pay as well. I lost a few additional hundred dollars before I unlinked the checking account that Id been using for 12 years.
Product: Credit card

XX/XX/2016, American Express representive stated my 0 % interest would continue because my husband is a disabiled veteran. Then XX/XX/XXXX a second representative stated American Express is working on it since I sent in my husbands XXXX already that was requested. I waited a few months or so and called American Express again. The third company representative told me that the reason the interest rate was not 0 % is because I took my husbands name off the credit card. I gave him the info for my husband. I even received my husbands card. The rep reassured me 4-5 times that " all is taken care of '' and " he will process the XXXX percent retroactive to XX/XX/2016 ''. When I called again, now I am being told that my interest relate is 13 % and nothing can be done after MONTHS AND XXXX Am express reps told me the 0 % interest rate would continue. 
I keep telling the new reps that I spoke with that because I was promised 3 times by XXXX different am express representatives that the 0 % interest needs to be honored since husband is a XXXX veteran, I was told by XXXX reps, I have written the CEO 2 letters stating it is the right thing to do as a best practice business decision this one time PLUS train their customer service representatives the correct information so this never happens again to a XXXX veterans family at a financially pressing time. 
If I was not reassured this 0 % interest rate would not continue, I would have been paying down this bill instead of doing lump sums to my other bills!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Which are UNKNOWN to me. This complaint is my follow-up attempt to ensure that the listed items are ultimately removed from my credit report due to their erroneous status.
Product: Debt collection

Good evening! 

I already did my disputes with the bureaus and I requested proof of ownership so far they could not meet my requirements that's the reason why I'm filling this complaint
Product: Credit card or prepaid card

On XX/XX/2022 I made a second payment on my credit card in the amount of {$570.00}. My available credit balance was not increase to reflect my true available balance until yesterday. 

After calling and speaking to three customer service agents at Discover, I was given false information when I was told that XXXX XXXX was holding the money that I paid to Discover via my checking account. However, yesterday I finally spoke with XXXX, a XXXX  with Discover who gave me great service and gave me the truth. He then referred me to the department that was responsible for placing an eight ( 8 ) day hold on my funds. No explanation was given to me as to why an 8 day hold was placed on my funds so that I did not have access to my funds that I paid. The representative who I spoke with told me that my payment was flagged for verification but she did not tell me why. Also, I was never notified as to my money being held for 8 days. 

Because I check my numbers and accounts everyday I was aware of the hold and my available balance not increasing for 8 days. No credit card company or financial institution should be allowed to do this to a consumer who pays their bill on time with an explanation. Therefore, I am filing this complaint against Discover card for suspicious behavior that could have caused me great harm had I been in a situation where I needed my funds.
Product: Debt collection

There is an unlawful judgment XXXX XXXX. XXXX, that was entered in against me which I had know knowledge of until now. I have tried to get an explanation but recently XXXX XXXX XXXX sent me papers vis the CFPB and I and my ex husband have reviewed the documents. This credit card and transactions is an result of identity theft and fraud. There was a police report filed in XXXX Police department ( XXXX ) XXXX back in the year of XXXX to XXXX as repeated attempts of our identity was used by several individuals to obtain and used credit cards without our knowledge and permission. This is debt has to be vacated to the courts. Otherwise I will request a vacate of judgment myself with my ex husband as there was much that happened with our information and the police have documented information.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 card or prepaid card

My flight was canelled. Chase Sapphire covers interruptions up to XXXX XXXX I filed a claim for my hotel stay to be reimbursed and XXXX ( the company who has been contracted out to handle the claim ) is misleading me. I have called in several times and keep getting conflicting reports about my claim. 

I have submitted all the relevant documentation and have yet to receive any material updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquiries on my credit reports from Synchrony Bank for different retail store credit cards. So far there are two inquiries for an XXXX XXXX card and one inquiry for a XXXX card. I called and disputed the XXXX card months ago and the inquiry is still showing on my credit report. I called about the XXXX XXXX inquiry today ( XXXX ) and now there is another inquiry for XXXX XXXX dated today!! I have not applied for any credit cards. I am in the process of having a house built and need my credit to good in order to qualify for a mortgage loan. I can not do that with all of these fraudulent inquiries from Synchrony Bank. I want them removed immediately and I want some kind of freeze or alert that does not allow any inquiries or applications under Synchrony Bank. My social security is being used and my maiden name of XXXX is being used. Random addresses are also being used to submit the applications. I was told a fraud alert would be placed on my information after the first inquiry in XXXX for XXXX but the XXXX XXXX inquiries were still able to go through. This is unacceptable and this is harming my credit and my opportunity to buy a house.
Product: Credit reporting or other personal consumer reports

Security Finance, starting XX/XX/XXXX, again XX/XX/XXXX, then once more time on XX/XX/XXXX they have shown up on my hard inquiries.Keep in mind all 3 times without my permission or consent. I did get a loan out through them over a year ago, but was unable to pay them back in full due to financial hardship.
Product: Student loan

XXXX XXXX Loan Agent | Fax : XXXX Office : XXXX Fax : XXXX Hi XXXX - Due to the credit score being below 600 - we're not able to get you approved. 

The message above is what I received from a lender after seeking to refinance my home. 

I am the mother of a daughter who has a Student Loan with Navient. I co-signed the original loan over 20 yrs ago. The original loan was not with them, they apparently purchased it. 

She is and has been in school full time since last XXXX ( XXXX ), they were suppose to have given her a deferment, but has not, yet instead, kept the loan payments going and due. And that reflects on me. We found out recently and inquired, with no response so far.
Product: Debt collection

XX/XX/XXXX RE : XXXX XXXX Account # XXXX, which XXXX illegally sold to Crown Asset Management / XXXX XXXX. ( Also a Violation of Consent Order XXXX. ) XXXX  debt collector, Crown Asset Management DBA XXXX, is unlawfully attempting to collect on a phantom debt which XXXX illegally sold to Crown Asset. XXXX is ultimately liable for the conduct of its agents. I ask that XXXX immediately remedy this unlawful conduct, including unlawful collection actions for a debt that I never owed and that would be outside the statute of limitations even if the debt were valid.

Specifically, the account balance was XXXX when I closed the account in XXXX. Crown Asset Management filed lawsuit around XX/XX/XXXX but provided no validation of the debt showing why it claimed I owed any money to it.

XXXX illegally sold the debt to Crown Asset Management, which sued me for the invalid debt by submitting a false proof of service to the court. I was out of state with my gate up at my house with nobody living at my house at the time the process server supposedly served the complaint. Other courts had found the process server to have filed false affidavits with the court, according to court filings.

Crown is alleging an amount far higher than the underlying charge along with attorneys fees. However, I did not owe the underlying debt ; and even if I did owe the debt, it would have been outside of the statute of limitations. I should not be subject to paying for a debt I do not owe or be subject to default for a debt I do not owe. XXXX and Crown Asset also failed to validate/verify the debt or forward my financial records to me regarding this debt. This is the most I can piece together since the lenders and Crown Asset refuse to give me a complete copy of my financial records and the entire file related to the account.

XXXX conduct is in direct violation of Consent Order XXXX, which the CFPB ordered after it found violations very similar to my case. As such, XXXX should be held in contempt and sanctioned.

I informed XXXX and Crown Asset Management of their unlawful conduct, the falsified service affidavit and their many consumer violations in order that the lawsuit be dismissed. In response, the attorneys filed a request for default. In my opinion their conduct is unethical and unlawful. My requests were ignored and held against me. Please contact me if you would like any additional information.