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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. This amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX Amount : {$170.00} Party Owed : XXXX XXXX XXXX Amount : {$270.00} I am disputing this claim because I have NO knowledge of this account. It is FRAUDULENT and I am requesting that it be removed IMMEDIATELY! This is my official request to have the aforementioned item to be deleted off my credit report.
Product: Debt collection

I received a debt collection letter on XX/XX/22, I called the company the same day and emailed the company on the same day to dispute the debt. I hand wrote a dispute letter on XX/XX/22. I received a letter from the debt collection company today indicating the debt is mine even though the letter from the company shows the services were provided to someone else.
Product: Checking or savings account

On XX/XX/2022, someone took XXXX from BOFA checking account. My debit and phone are with me. I didn't get any text or email alert. Transaction description is as shown below. 

XXXX XXXX XXXX : TRANSFER ID : XXXX INDN : XXXX XXXXXXXX XXXX ID : XXXX XXXX XXXX I don't know who that person is. 

Bofa created a claim and transfer my money to a new Checking account, froze the previous Checking account. 

Shockingly they stole XXXX more from old checking account even though there's XXXX balance in it.
Product: Mortgage

The property associated with this Ditech loan was sold on XXXX XXXX, XXXX. The attorneys who closed on this loan asked for a payoff figure which was provided by Ditech onXX/XX/XXXX. The payoff amount was {$150000.00} and was good through XX/XX/XXXX. 
At closing on XXXX that amount was deducted from my proceeds and was wired to Ditech the same day. 
Even though Ditech knew the loan was closing they funded a flood insurance policy on this property which is a condo and is covered by the HOA flood policy. The charge for this policy, on the contents ONLY of a two bedroom - two bath condo that was closing for {$170000.00}, was {$4500.00}. That policy was never provided but a policy that they later charged me for was charged at {$110.00}. Their claim is that because the {$4500.00} was taken from my escrow account on XX/XX/XXXX it made the payoff amount received too little to close the account. 
They decided to keep charging me for escrow payments on this condo that I do not own and have even paid the County taxes for two years and have charged those to me even though the County has returned at least one of these payments which they have not credited back to the escrow account they are still using for the condo I no longer own! 
The attorney that represented me at closing has tried to correct this, I have tried to correct this but they continue to charge expenses for this condo that I do not own and make harassing phone calls and will not close this account.
Product: Debt collection

Haven't received any debt paperwork. And I don't believe the debt is mine. Keep getting calls and they are very unprofessional. When I talked on the phone they just say their 1st name and nothing else. Usually a legitimate business says the business when they answer the phone. I have also recently had identity theft issue.
Product: Mortgage

my husband lost his job XX/XX/XXXX do you to Covid we were unable to make our mortgage payment from XX/XX/XXXX through XX/XX/XXXX the company my mortgage was with that offered me the forbearance plan that would be good through XX/XX/XXXX sold my loan in XXXX to a new company. That company is not working with me to get the, What I thought was a Covid forbearance, And was scheduled to be deferred but that's not happening with the new company my goal is to refinance this loan as soon as I get this taken care of but they are not working with me I am at a loss they keep telling me My mortgage is XXXX days past due
Product: Checking or savings account

On XX/XX/2023 at XXXX I got a notification from my bank account Chime, that the email address, phone number, and password associated with my online bank account has been changed. 
Following those changes being made there were four separate unauthorized transactions : 1. XXXX - {$1000.00} transferred to " XXXX XXXX ''. 
2. XXXX {$1000.00} transferred to " XXXX XXXX ''. 
3. XXXX {$270.00} transferred to " XXXX XXXX XXXX '' 4. 5:XXXX- {$1000.00} transferred to " XXXX XXXX ''. 
for a total of {$3200.00}. 

The phone number linked to my account was changed two times : XXXX was changed to ( XXXX ) XXXX XXXX was changed to ( XXXX ) - XXXX XXXX. 

I called the bank and reported it as fraudulent activity around XXXX when I got off work, they started an investigation and stated that I would receive a credit, which I never received. 
I got notice on XX/XX/2023 stating that my claim was denied due to not being able to prove that any fraudulent transactions were completed, even though I provided information stating that I never authorized any of my information to be changed, or any of the four transactions to be authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely.
Product: Mortgage

I have been trying to make my payment since XXXX. Rushmore will not allow me to pay. Servicing transferred and they were unprepared. Poor treatment by staff as well. IVR in convoluted and will not allow you to speak to an agent without listening to LOTS of messages. Confusing why no option to speak to an agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The beginning of this year I received a parking ticket issued to me by the XXXX XXXX XXXX. I did not pay this ticket and it eventually got sent to the collection company XXXX. 

A few months ago I noticed that the collection showed up as a " derogatory mark '' on my credit report. This collection account was opened on XX/XX/XXXX by XXXX for the amount of {$200.00} with the Original Creditor being the XXXX XXXX XXXX ( as described above ). 

Attached you will find the original past due notice for the parking ticket from the XXXX XXXX XXXX. The invoice shows the amount due ( {$200.00} ) and that it was indeed issued by the XXXX XXXX XXXX. 

According to the National Consumer Assistance Plan instituted in XXXX and agreed to by all 3 credit bureaus, collection agencies can no longer report unpaid debts to the credit bureaus that did not arise out of contracts or consumer agreements. This includes parking tickets. Since the above mentioned collection is a parking ticket, its appearance on my credit report is in direct violation of the National Consumer Assistance Plan and should be removed from my credit report. 

I have contacted and filed disputes with all 3 credit bureaus concerning this matter. XXXX and XXXX have both successfully removed the collection from my credit report. Equifax, on the other hand, has denied my dispute and has not removed the collection from my credit report. 

I am requesting that you contact Equifax and have them remove from my credit report the collection that is in violation of the National Consumer Assistance Plan. 

Thank You! 
XXXX
Product: Credit card or prepaid card

American Express offered me a 0 % APR for purchases from XX/XX/XXXX through XX/XX/XXXX. I paid my bill in full for any charges before the promotional date started and have paid more than my minimum payment since then. I keep being charged interest each month. Each time I chat with American Express, I am given different reasons and excuses. None of which match the agreement terms I accepted that Amex offered me. I have the details of the deal from Amex in an email. What they are doing is very misleading and I believe violates Fair Credit Billing Act. They kept trying to tell me different dates of why I was being charged, each of which I was able to prove wrong. Then, I was finally able to get in touch with a manager, he explained that I paid all charges prior to the start of the promo APR. I even paid over the amount due to pay some towards what I am using the promo offer for. The manager said they apply the payment how they see fit and applied part of it to my charges before the promo period and applied the majority of it towards my 0 % promo charges. This is unacceptable and I believe it is fraud and misleading business practices. I have attached the recent chats with them which shows part of the misleading answers their employees were giving me, but I don't have access to the previous messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts On Credit Reports 1. XXXX XXXX XXXX {$1800.00} 2. XXXX XXXX XXXX {$1800.00} 3. XXXX XXXX XXXXXXXX {$6200.00} 4. XXXX XXXX XXXXXXXX {$2300.00} 5. XXXX XXXX XXXX {$3700.00}
Product: Credit card or prepaid card

I have never had a account with synchrony and someone used my information in the past to open fraudulent accounts years ago which they state they corrected. I tried applying for a XXXX  card which would be my first account with this bank and they denied me based on bad history with the bank but it was not my history and thats unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting my XXXX  XXXX credit card balance before my actual due date on the XXXX of each month. 

Experian continues to report XXXX on my report, even though XXXX has sold this account, no longer owns it, a new company does, furthermore they will not allow me to dispute it at all, they want me to give them a letter. Isnt this what they are supposed to do, FACT FIND AND UPDATE INFORMATION AND NOT REPORT INACCURATE INFORMATION. ALSO, THIS IS MY 2ND OR THIRD TIME REPORTING THIS EXACT SITUATION HERE. WHY ARE THEY ALLOWED TO VIOLATE FCRA? 

EXPERIAN REFUSES TO TAKE A LATE PAYMENT OFF for XXXX XXXX. THAT WAS TAKEN OFF THE OTHER 2 CREDIT BUREAU REPORTING AGENCIES, THEY WANT MY CREDIT TO REMAIN IN THE FAIR RANGE and not GIVE ME THE SCORE I DESERVE. I HAVE HAD EVERY DEROGATORY ACCOUNT REMOVED, BUT EXPERIAN REFUSES TO REMOVE THEM. I ALSO FIND THEIR BEHAVIOR RETALIATORY and deliberate for reporting them here.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudlent inquiries : XXXX XXXX, XXXX/XXXX, XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint through this complaint process for Transunion and the complaint response did not address not XXXX thing that I complained about and the CFPB closed the investigation or complaint. The issue was never even addressed! Transunion refuses to unlock my online credit report so I can dispute inaccurate information. It already been over a year since I was able to access my Transunion credit report. This is my second complaint and I am ready to contact an attorney because I still can not get a live person, I can not access my Transunion credit report and I can not access to dispute the information. There is a XXXX car loan that needs to be removed! I can't do that because I can not get my account unlocked!
Product: Payday loan, title loan, or personal loan

I took out a {$2600.00} Loan with Quick Credit on XXXX. The Interest amount was supposed to be {$100.00} per payment, which came out of my Checking Account each payday twice per month. Below is a snapshot sent within the first email from them summarizing the Loan Thanks for choosing us XXXX! 
Heres a snapshot of your Quick Credit loan : Loan Amount : {$2600.00} Annual Percentage Rate ( APR ) : 199.45 % Payment Amount : {$190.00} First Payment Due Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX Below is the second snapshot sent within the next email : XXXX, your payment will be withdrawn soon. 
We just wanted to let you know that your automatic payment has been processed for XX/XX/XXXX and will be withdrawn from your bank account on or after XX/XX/XXXX. 
Your Payment Breakdown : Total payment amount : {$190.00} Applied to interest : {$100.00} Applied to principal : {$97.00} Payment confirmation number : XXXX New account balance after payment : {$2500.00} I deferred the next payment only to cover my rent, which is when everything took a downward spiral. I Paid the Loan off on XXXX in full as shown below. 

XXXX, your Quick Credit loan is paid off! 
Congratulations on paying off your loan! Your final payment was received on XX/XX/XXXX and will be withdrawn from your bank account on or after XX/XX/XXXX. 
Final Payment Breakdown : Total payment amount : {$2500.00} Applied to interest : {$200.00} Applied to principal : {$2300.00} Payment confirmation number : XXXX New account balance after payment : {$0.00} No payments went to Principal, all payments went to interest due to their continued negligence. Please help me review to see If I am being treated fairly.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts below, have my violated federal Protected consumer rights to privacy and confidentiality under 15 US C 1681 these accounts : XXXX XXXX XXXX accounts number :XXXX XXXX XXXX : account number:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US C 1681 sections 602 states I have a right to privacy and according to 15 USC 1681 EB . They are supposed to ensure this whenever a consumer reporting agency prepare consumer report. It shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom report relates 15 USC 1681C section states no consumer reported agency may make any consumer reporting cons containing any of the following items of information any other advertise items of information, other than records conviction of crimes, which dates the report by more than seven years 15 USC 1681S to a one a a person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to be believe that the end information is an accurate
Product: Credit reporting, credit repair services, 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.

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 informationisinaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, THESE ARE HARD INQUIRIES DAY Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax US SM BUS ADMIN ODA 0XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft the following accounts were opened under my social security number fraudulently. This is a violation of my FCRA rights. I never signed anything requesting credit or services from any of these companies. 

The following accounts do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All of the above companies are accounts that were opened up under my social security file without my consent.

The following inquiries were also opened up under my credit file fraudulently : 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 XXXXXX/XX/XXXX The above companies are inquiries opened up under my social security number without my consent. These are fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Reported XXXX late payments in XXXX  for this Education ( Student Loan ) account but, per the Federal Government ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) there were no student loan payments due in all of XXXX, making these XXXX late payments on my credit report not only inaccurate but impossible. They have declined to correct this error a total of XXXX times now, XXXX  through XXXX & XXXX  through Experian disputes. 

Incorrect payments reported as XXXX  days late XX/XX/2022 & XXXX  days late XX/XX/2022. No 30 day report is included which is also INCONSISTENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX X/XX/16, X/X/16, X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX  XX/XX/16  TALK TO TRANSUNION CUSTOMER SERVICES REP ABOUT THESE UNAUTHORIZED HARD PULLS TO MY CREDIT REPORT AND SHE WAS NOT HELP TAKE CARE OF THESES NEGATIVE INQUIRIES REPORTING ON CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Capital One before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Capital One to furnish any late payments to my consumer report. It is my belief that due to Capital One 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers like myself to pay extra fees for debts that they allegedly owe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I am filing a complaint against Experian for XXXX to properly investigate my dispute, violating my rights under the Fair Credit Reporting Act ( FCRA ), and reporting misleading information that has damaged my credit. 

Failure to Conduct a Proper Investigation I submitted a dispute to Experian regarding an inaccurate account on my credit report. 
Experian illegally refused to investigate my dispute unless I provided a police report, which is not required under the FCRA for a standard dispute. 
Under FCRA 611 ( 15 U.S.C. 1681i ), Experian is required to conduct a reasonable investigation within 30 days and provide a method of verification ( MOV ) upon request. They failed to do so. 
Failure to XXXX XXXX XXXX Experian did not provide me with any legally binding proof that I am responsible for the disputed account. 
They refused to produce any signed contract or original documentation, violating FCRA 611 ( a ) ( 5 ) ( A ), which requires them to delete information if it can not be verified. 
Misleading and XXXX XXXX XXXX I continue to receive electronic messages stating that a closed and charged-off credit card is over its maximum limit. 
This misleading alert, sent to XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, and Experian XXXX XXXX, falsely inflates my credit utilization, which damages my FICO Score.

Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), Experian must ensure maximum possible accuracy in reporting, yet they continue to report misleading information.

Unfair Stall Tactics I live outside the U.S., making it difficult to file a police report, which Experian knows. 
Experian is using this as a deliberate stall tactic to avoid correcting the errors in my credit report, violating my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Student loan

I had a loan with Sallie Mae, which then was handled by Navient. I made 120 payments on my loan and they refused to forgive my loan. I am a full time teacher in a low income school. I qualified for the Public Loan Forgiveness and they refused me saying I wasnt in the right program. Yet, I called often to ensure I was on track.