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

My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. 

The dealership ran the credit app againts 5+ different institutions. 

I have locked all my credit bureaus.
Product: Debt collection

In XXXX I purchased a XXXX XXXX for my mother who is XXXX and she uses it strictly for games. When I received the XXXX it did not work so I shipped it back to XXXX. After several months I noticed a negative mark on my XXXX Report. I called to take care of the issue and sent copies of shipment receipt of XXXX to XXXX XXXX and the debt collection agency. The matter was resolved and was soon taken off my report in XXXX or XXXX not sure exactly the year. As of XX/XX/XXXX I noticed this on my XXXX Report again. I called to ask what was the issue because I had already solved this matter and now its back on my credit report as a negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

The following items are in violation of the Metro 2 Credit Reporting Guidelines and should be deleted from my credit file *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing,
Product: Consumer Loan

I got financed by DUVERA finance also known as easy pay for XXXX dollars so I could buy my kids a puppy. The pet store clerk was misleading about the interest rate and when i advised i was XXXX military he assured me that would be handled appropriately. ( i should have verified before i signed the contract ) I am now paying 189 % interest on my loan. When I called duvera they were rude and said that they do not have to lower my interest rate at all and they based it all on a loop hole. The woman i spoke to said SCRA didnt apply in my case and went on about a bunch of different contracts. She even laughed and said to go ahead and speak to my legal office because they dont care im XXXX and they know the law. I paid XXXX on my loan and only XXXX has actually gone to pay off my dog. They threw a bunch of legal jargon at me that I did n't understand which was probably to confuse me and it did. I called to see what it would cost to pay off the loan next month and they gave me a balance of XXXX dollars. I am so upset with this company. I am a single mom of XXXX who is XXXX and I feel like I have been scammed and taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file at the time the lease was executed, most likely done online like all the other accounts. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/1986 I have attached to this dispute the police report and two letters from major financial institutions that opened and tried to open credit accounts in my name and mailed credit cards to the address of this apartment complex that this debt collector is collecting for. As you will read in the letters the banks did their own investigations and both banks agreed that identity theft took place. XXXX XXXX XXXX opened a credit card account in my name and sent the card to this apartment that the collector is collecting for. They have since removed the card from my credit profile and deleted it from their records after finding I was a victim of identity theft. The letter XXXX  XXXX XXXX sent was printed with the fraudulent address on the main page and the correct address on a page. Both pages of the XXXX  letter are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a copy of my credit report I was shocked to see an account listed by XXXX Acct # XXXX with a balance of over XXXX XXXX dollars. First of all I never consented to my information being used to open this account nor have I ever received any goods or services from this creditor. This is fraud and I want this item investigated immediately. The amounts owed reflect different balances with the credit bureaus which again is a violation of the FCRA and the dates of activity is inaccurate as well.
Product: Credit card

My complaint is that they will not waive the interest charge in XXXX. I have been Marcuss customer since the card got transferred to them and have always paid off the balance. 

I made one mistake and somehow the autopay to payoff the entire balance stopped. I paid off the remaining balance 2 days after my minimum payment was made. Somehow the interest fee was {$100.00} for 2 days. They refuse after 10 business days and multiple calls to waive the interest this one time.

I think they should allow forgiveness for a fee or interest at least one time in the life of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 5. Failure to perform an investigation XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately as you failed to perform an investigation
Product: Student loan

MOHELA is my loan servicer. Apart from being difficult to reach and incompetent in answering my questions, per XXXX representative, XXXX, MOHELA put my loans in forbearance which I didn't request. However, the bigger issue is that MOHELA has continued to process automatic payments in the amount of {$190.00} per month for XXXX, XXXX, and XX/XX/year> but when I requested payment history, they said there is no history of any transactions. I would like to know what they did with funds and request that they adjust my account to reflect these payments. 

Thank you
Product: Mortgage

Navy Federal CU violated The Fair Housing Act, Fair Lending Laws as well as RESPA-TILA by excluding taxable bonus income, financial reserves and retirement during the application process for the purchase of my current home. NFCU also failed to conduct a timely review of the application during them buyer financing contingency period of TREC 's resale contract which would have resulted in unrecoverable loss to the consumer ( myself ). I am asking that CFPB evaluate the actions taken during the determination process in an effort to address the potential discriminatory conduct and/or patterns of practice exhibited by the assigned NFCU employees XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Transunion for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the nursing home. These items that I listed in my ftc report are either UNTRUE UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE< NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! This is a violation ofFCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED!
Product: Debt collection

The company is attempting to collect a debt without proof of ownership. The company is in violation of the Truth and Lending Act ( TLA ) by reporting the debt as mine to the Credit Agencies XXXX, XXXX, and XXXX. The company is using statements as its course of debt validation. However, the ( TLA ) requires an application either written are orally to provide proof of an alleged debt the ( TLA ) also requires fair and accurate reporting and that interest rates be provided dollar by dollar. I do not owe and acknowledged this alleged debt and neither agree with it. If this company owns this alleged debt it must provide the chain of assignments and the contract between it and the seller and certification of ownership and provide the receipts and proof of how much they purchased the debt for. I have enclosed an enhanced validation request in this complaint to the company. Although the company has stop collection activities they are still reporting to the credit agencies as an attempt to collect the debt and defamation of my character.
Product: Debt collection

{$930.00} Open balance 08 CAPITAL ONE BANK USA N A Original creditor Portfolio Recovery has contnually reported a Captial one Bank Card on my credit file that I have not ever opened. I have been in college and this may be from when I was in high school. To this day I am still a student and my parents pay my phone bill so not sure how I have Any thing on my credit at all. I did not do this. I was a victim of multiple breeches and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am set up with Auto Pay using the 3rd party service I was given by the creditor at the time of opening my account. Last year the auto pay was set up but didn't get paid due to the setting of the 3rd party system. I called once I noticed it was never paid and made the full payment and the person from the 3rd party company rectified their Auto Pay system but at this time it was now showing as a 30 day late. The 3rd party company said I must speak with the creditor to correct the reporting but the creditor didn't help due to it being paid late.

This year my wallet was stolen along with my debit card so I created a new bank account on the Auto Pay prior to the payment being taken out for the month. According to the creditor someone on the 3rd party servicing system ( Bay Finance Company LLC ) cancelled my payment for the Auto Pay. I can not get anyone to tell me who cancelled this payment. They never notified me that it didnt go through on the new bank account I set up and when I tried to speak to someone for details my voicemails were not returned.

I think it is horrible that a {$75.00} per month account that has been on Auto Pay for years is putting 30 day lates on my credit report when I have never avoided paying this creditor. The two companies that work together are not helping me and I can not wait to pay off and close this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$7700.00} XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$2100.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes regarding credit inquiries that are showing on my report. I have not received any response and no actions have been taken to correct these errors.
Product: Credit reporting or other personal consumer reports

I mailed out letters on XX/XX/XXXX to Experian, XXXX, and XXXX However its been over 30 days and the credit bureau failed to send investigation back. I received a stall letter on XX/XX/XXXX from XXXX and XXXX no further information regarding credit investigation. Failure to response letter mailed out to all bureaus XX/XX/XXXX. This investigation has been going on for months well beyond the 30 days. This is not right and violates my rights.

According to the law 15 U.S Code 1681i-Procedure in case of disputed accuracy. 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 ( XXXX ), before the end of the XXXX day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I called XXXX XXXXXXXX as well as the creditor to have fraudulent inquiries removed from my XXXX XXXXXXXX report. And as of today XXXX they are still listed on my report.
Product: Mortgage

We feel that we are being treated unfair and that there are deceptive practices happening with the  1st and 2nd lien holders of our mortgage. Both the 1st and 2nd lien holders know that we have a so lid sales contract to sell our property but due to the fact of being behind of on our mortgage they are threatening and forcing us to pay unnecessary attorneys fees by sending our loans to foreclosure. Despite following all of their rules and requests they are still stating that the sales contract that is currently in escrow is of little meaning and that we will need to pay these attorney fees. Shame on you  XXXX   XXXX  and  Ditch for ta king the little guy out even though they have worked their hardest to pay their obligation in full back to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

- Approved for BBVA ClearPoints card on XX/XX/2021 - Promotion offer was 18 months 0 % APR + {$100.00} credit after spending {$1500.00} - PNC bank merger occurred - In PNC dashboard, interest rate now shows as 17.24 % - Bonus has not been provided - No late/missed payments- PNC is impossible to get a hold of. They took away their chat feature and every time I am on the line for 20 minutes when it tells me " There are no consultants available for your call, good bye ''. I have also messaged on XXXX and was told to call. No locations near me. 

BBVA initial email and current PNC screenshot included as attachments.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a fraudulent account from my credit report. As a victim of a data breach, I am exercising my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following account blocked and deleted from my credit file : Fraudulent Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00}
Product: Credit reporting or other personal consumer reports

I spoke to XXXX from American Express ID number XXXXXX/XX/XXXX payment that was due on XX/XX/XXXX the payment was made on XX/XX/XXXX which wasnt 30 days late. We need the 30 late removed immediately
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Experian did not remove inaccurate items from my credit report when asked.