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

There was a secured credit card with XXXX XXXX XXXX  which I opened XX/XX/XXXX. The account number in reference is XXXX. 

There are several discrepancies being reported to each of the 3 credit reporting agencies.

The first discrepancy is that when I initially opened this account ( completely online ), I only placed a {$100.00} security deposit for the secured credit card account. This does reflect my statement with the account being reported with a {$100.00} credit limit to the credit reporting agencies. 

The next discrepancy is that the account only has ever had a high balance of {$110.00} which exceeds the credit limit of {$100.00} applied to the secured card as a deposit and final payment should the account be closed. 

XXXX XXXXXXXX XXXX reports that this account is in a charge off status as of XX/XX/XXXX with a past due amount of {$61.00}. 

If the past due amount is {$61.00} and the only highest amount is {$110.00} that the account has ever been then this would settle the account in full. 

I also received a notification via e-mail in XXXX stating that my account had been closed and XXXX XXXX XXXX would direct deposit {$75.00} due to closure. I received the {$75.00} then I have this account reflecting as a charge off on my account. There are obviously several discrepancies that are carelessly being reported to the credit reporting agencies based on this information.
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge off is income. According FCRA, income can not be reported on a credit report. I have received a XXXX for the accounts listed here : XXXXXXXX XXXX and XXXX XXXX After checking a copy of my most recent report, it appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ), not even to mention violation of XXXX usc XXXX. I demand these accounts to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Student loan

I have been paying monthly on my account I got a new credit card and my payments stopped I was told by my bank everything I had coming out directly would continue how my student loan payments stopped. I called in to see what was going on and was told when my card changed I the payments stopped okay I understand that however I fell behind and they told me because I fell behind I would not be able to go back to school. As a collection department they should have called emailed sent some type of letter but they did n't I was informed that I would n't be able to go back to school for another 6 months because they did not do there job and contact me as the manager agreed it was the company fault.
Product: Mortgage

On XX/XX/2021 I received a letter apparently from " Ladera Ranch Home Loans '' NMLS # XXXX. The letter was disguised as being from my mortgage lender, with " XXXX XXXX XXXX XXXX '' appearing where the return address of a letter would normally be expected. The letter seems to contain an offer to refinance, but is worded to appear to instead be as an offer to adjust the mortgage rate of an existing loan. Specifically the phrases " your loan may be eligible to receive a rate reduction '', " Rate reduction can be implemented in 2 weeks ''. I further believe the DBA of " hometown loans '' is intentionally misleading so that phrases such as " call a hometown loan specialist at XXXX '' can functionally appear to be a XXXX XXXX phone number to a reader, but allow for plausible deniability. The letter does identify itself as from " Hometown Loans '', but only in contexts where this use/mention distinction is ambiguous.
Product: Debt collection

Machol & Johannes , LLC. intentionally sent a copy of a Writ of Garnishment to a third party, addressed vaguely so that it would be opened and read by someone other than myself. 

I am also certain it was sent to this address as a delaying tactic so that I would receive my mail late and be unable to respond in time to legal actions. 

On XXXX XXXX, 2013, I sent Machol & Johannes , LLC. a certified letter that included, among other things, very specific directions about how to contact me as I have a XXXX XXXX ( I live in a rural area ). The tracking number for the certified letter is XXXX XXXX XXXX XXXX XXXX. 

( This letter also indicated that they were not to contact me by phone, which they have continued to do. ) I also included information about my mailing address in court filings. ( The court has had no trouble sending documents to the proper address. )
Product: Checking or savings account

I had filed a CFPB complaint # XXXX in the past. At the time when i was talking to US Bank - i told them to close the account. I have no idea why they didn't close it. Now it seems they have charged some {$30.00} fees. 
Account number ending in XXXX Routing number XXXX Please reverse that fees and close the account
Product: Debt collection

Collectors from P & B Capital keep calling our office phone trying to collect a debt. We have told them multiple times the person they are looking for does not work here. They continue to call at least twice a day.
Product: Credit reporting or other personal consumer reports

There are many inquiries on my consumer report that are not connected to me. I have attached a dispute for all of those that are reporting inaccurately.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXXXXX XXXX XXXXXXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for the bureaus to honor Paragraph 7 of Section 611.a of FCRA gives you the right to demand a description of the investigation. Thats when the method of verification letter come into play. I have requested Method of Verification still WILLNOT SEND ME INFORMATION. I WANT TO KNOW HOW THEY ARE OBTAINGING THIS INFORMATION FROM ORIGINAL CREDIT AND WHAT THEY ARE RECEIVING FROM THE ORIGINAL CREDIT ... ITS MY RIGHT AND THE LAW. There are several inaccuracies on my credit report including inquiries.
Product: Credit card or prepaid card

I have received a letter notice that I have opened a Macys American Express credit card but I never did. This is identity theft and Im worried about my credit score will drop it in this matter. Please help to fix
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XXXX XXXX, 2022, I reviewed my credit report with Equifax Credit Bureau and discovered a HARD credit inquiry on my regarding my XXXX, XXXX XXXX account . I spoke with XXXX XXXX customer service and apparently someone logged in ONLINE and created a hard inquiry on my report. This has been reported as FRAUD on the account. However, I want the HARD Inquiry removed immediately as I am in the process of buying a home and this negatively impacted my credit score.
Product: Consumer Loan

Received an auto loan through Wells Fargo Financial for a XXXX Chevrolet Impala. Loan was paid on time up until and accident I had in XXXX XXXX that cause me to XXXX. I was out of work for XXXX months which caused my payments to get behind. I did my best trying to manage the payments but maintain a poor history afterwards. even though payments were late, I managed to pay out the loan in full in XXXX and XXXX years later it still shows negative on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX  Bankruptcy Discharged XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit file. These accounts and inquiries were fraudulently opened or made using my personal information, which was compromised due to a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items removed from my credit report. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are disclosing my personal information to third-party companies to which I dont consent to You are invading my privacy. My nonpublic personal and or private information is not to be shared without my willful consent or direct express permission which I didnt grant you. You are defaming my character and it is causing me injuries I'm kindly demanding you cease the use of identity information to any third-party affiliates immediately. 

It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information it is your duty to honor consumers right to privacy by following the regulations congress has set forth for financial institutions to respect consumers right to privacy and to limit the sharing of information to affiliates when. If theres any consent that may have been given that granted you the opportunity to furnish such information to third parties or affiliates, this is a formal notice that I do not consent or opt-out. I'm demanding my non-public information shall not be shared with any third party or affiliates of your financial institution.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX a dispute was made on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but still reporting on my credit report
Product: Vehicle loan or lease

I put an application in to Infiniti of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.
Product: Credit reporting or other personal consumer reports

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Whose address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

spoke to XXXX @ Capital One XX/XX/XXXX18, account XXXX. I had paid my XX/XX/XXXX18 balance in full and in advance. asked XXXX about autopay. I signed up for autopay. asked XXXX if she could guarantee that the bank would not try to take a second prepayment on XX/XX/XXXX18. she checked with her supervisor and he agreed that the next bal. due would fall on the 30 day rotation, namely XX/XX/XXXX18. On XX/XX/XXXX18 however the bank tried to take a second prepayment. I put a stop payment refusing the transfer of funds on XX/XX/XXXX18. I tried to reach XXXX and wrote a letter to the bank. No reply. 
I cancelled the CapOne account. It appears CapOne is an online banking service only. Customer can not initiate contact by phone or digitally with customer service reps. to discuss problems like mine. The CapOne business model is skewed against the customer. No customer access to lines of communication regarding previous transactions is bad and prejudicial and arguably fraudulent policy. I protest.
Product: Credit reporting or other personal consumer reports

I am demanding a deletion of the following account name XXXX XXXX XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable reinvestigation of my disputes and for allowing unverifiable and inaccurate negative items to remain on my credit report. 



I submitted three rounds of disputes to TransUnion on XX/XX/year>, XX/XX/year>, and XX/XX/year>, requesting that they verify the accuracy of multiple negative items, including collection accounts and charge-offs. 



Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), TransUnion is required to reinvestigate disputed items within 30 days and remove any unverifiable information. However, they have failed to comply with these legal obligations.

I specifically requested the following information for each disputed item : Original signed contracts or agreements proving that I entered into the alleged debt. 

Proof of debt ownership or assignment showing that the creditor or collection agency has the legal right to report the debt. 

A full account history detailing all payments, charges, and fees applied to the account. 



Instead of providing this documentation, TransUnion has ignored my disputes, failed to provide verification, and allowed unverified negative items to remain on my report. 



This is a blatant violation of my consumer rights under the FCRA and has caused ongoing harm to my credit score and financial wellbeing. Their refusal to conduct a proper reinvestigation is not only illegal but also negligent.

I demand that TransUnion : 1. Immediately reinvestigate all disputed items.

2. Provide written proof verifying the accuracy of each item, including original signed contracts and proof of debt ownership.

3. Delete any unverifiable, inaccurate, or outdated information.

4. Provide a detailed explanation of how each item was verified, including the sources used and the dates of verification.

5. Provide copies of all communications between TransUnion and the furnishers of the disputed information.

Failure to comply with these demands will result in me pursuing further regulatory complaints and legal action for damages under Sections 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), which provide for statutory damages, actual damages, and punitive damages for willful and negligent noncompliance.
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. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

complaint against Vanderbilt Mortgage. Our Mortgage with them is 23 years and 8.9 % interest. We where going to refinance with XXXX XXXX loans at 15 years and 3.8 % interest in doing so we were informed that are manufactured home had a vehicle title to it. we were not aware of this and they required us to do a conversion for real property in order to refinance the loan. my loan officer and I contacted Vanderbilt mortgage on XX/XX/2022 rep stated they would do the conversion if I requested but it would take months. After finding out that process should not take that long i called Vanderbilt back on XX/XX/2022 and asked to speak with a manager. She stated it only takes 30 days and i would need to submit a signed letter requesting the conversion. That evening i emailed the letter to the email she provided and ask that they keep me updated on the process. I received and email 2 todays later stating they had received the request and was processing it. On XX/XX/2022 i called to speak with someone to explain the process to me and to keep me informed of were we were at. Since my rate lock was to expirer on XX/XX/2022. rep stated she would forward to correct department. No return phone call. called every several times after to try and speak with some one and was told I was on the list to call back in order it was received and could take several days before they would get to me. On XX/XX/2022 i spoke with XXXX who said he was handling my conversion and that it was a the county being processed and i could call back weekly to get an update. Called back XX/XX/2022 XXXX was not available spoke with XXXX he was helpful in explaining the process to me and could not find any updates on my account. i explained I did an extension on my lock rate until XX/XX/2022. he started asking me questions to try and see were i was at. i explained no one had called me to tell me anything or ask for payment. i think you need to check into this. he did to find out the process was never started. His explanation was they had employment changes in that department and XXXX was told it was started so that what he told me instead of actually looking at my account. Then he told me my title was electronic so they would have to get that which would take 3-4 weeks. then it would go to the county and that could take 8-12 weeks so i could be looking at 11-16 weeks potentially. said he needed to send me a form to sign and send back. I explained I would sign that day and send back. After he sent me the form it needed to be notarized. In the process of doing that now. In the mean time i lost my refinance due to there negligence over and over. Because the rate lock would run out. I still don't have resolution or confidence that my conversion will happen.