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

I AM A VICTIM OF IDENTITY THEFT, THE INFORMATION LISTED BELOW, WHICH APPEAR ON MY CREDIT REPORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. XXXX XXXX XXXX  {$300.00} XXXX XXXX  {$500.00} XXXX XXXX {$300.00} XXXX XXXX  {$72.00} XXXX XXXX {$180.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$750.00} XXXX XXXX {$140.00} XXXX XXXX  {$88.00}
Product: Credit reporting or other personal consumer reports

Digital Federal Credit Union is reporting incorrect payment history on my XXXX account. Shows XX/XX/XXXX pass due payments and XXXX XXXX day pass due payments for XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

Date : XX/XX/2020 Amount : {$8600.00} 15 U.S. Code $ 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 resulted from an alleged identity theft, 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 identity theft!! Please delete these items IMMEDIATELY! 
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 report under 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an account on XX/XX/2023 listed by XXXX XXXX for a debt amount of {$1200.00}. XXXX XXXX has also listed duplicates of the same account but with different balances. Requested an investigation and XXXX XXXX reports the debt as valid with no evidence of investigation. The Fair Debt Collection Practices Act states that debt collectors can not misrepresent : The amount of the debt as this creditor/debt collector has. Requests for explanation of their investigation has gone unanswered. I have experienced damage due to this erroneous listing on my credit report.
Product: Debt collection

On XX/XX/2022, I paid a final payment of {$48.00} to the original creditor.
Product: Credit card

I believe this account is invalid. JPMCB - CARD SERVICE ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX and JPMCB - CARD SERVICE XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with XXXX XXXX XXXX XXXX that are being reported erroneously and making my credit utilization 80 % at this time. 

All three bureaus are reporting these two accounts with wrong current balance and also monthly payment status. 

XXXX XXXX XXXX -- {$21000.00} XXXX XXXX XXXX XXXX -- {$310000.00} The above indicates the current balance for both accounts as of XXXX XX/XX/2022. These account errors are negatively affecting my in the banking system and credit evaluation and monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF LAW SUIT your company has been notified of unlawful credit reporting failure to remove all negative accounts will result in a {$100000.00} Law suit. 
LATE WARNING!!! 

Affidavit of immediate credit correction The following points of Reference and consideration Exclusively for all updated credit information Update all credit accounts according to 611 of the fair dept collection practice act The attached statement shows and concludes that all 3 credit bureau 's Are not accurately reporting information on the attached credit profile Update information accordingly to reflect Accurate information for all 3 credit companies inconjunction.

Point of action update credit report According to section 1681 of the fair declaration practice act permissible purpose law The attached credit profile and credit owner has notify all Noted creditors To cease reporting and has opted out of credit reporting For the attached mentioned accounts therefore all credit agencies must remove those accounts from reporting on the consumer credit report Failure to do so will lead to lawsuit and will be used as evidence in court. 
This is a official notice to ceased Credit reporting On the attached and mentioned accounts This is a official statement of reporting opt out according to permissible purpose law in the fair debt collection practice at. 

Point of reference Several credit accounts have been compromised due to fraud and unauthorized charges creditors and agencies have been notify to continue too report Fraudulent information is illegal and could also lead to a lawsuit see attached FTC Affidavit and Police report for more information. 
remove all late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand all negative items to be removed not accurate. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system XXXX removed my discover bank I demand Experian transunion to also remove
Product: Student loan

My grand-daughter took out student loans. I agreed to co-sign for XXXX loan. She has not made payments on any of her loans. Navient has screwed up my credit for over 5 years by reporting to the credit bureaus negative non payment information for XXXX loans my grand-daughter took out of which XXXX I did not personally co-sign for. I have disputed this with the credit bureaus to no avail. I also disputed this with Navient. They sent documents to their Attorney for collection which actually prove I did not sign for XXXX of these loans. Navient is fraudulently trying to collect on XXXX loans I never co-signed for. They even typed my name on XXXX of the XXXX in which I never signed or knew about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX  to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXXXXXX XXXX {$650.00} XXXX  XXXX XXXX XXXX {$150.00} XXXX   XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX {$650.00}
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXXXXXX, 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

ACCOUNT : XXXX XXXX XXXX XXXX 

THIS ACCOUNT WAS A CHARGED OFF NA DTHEY SALE THIS DEBT TO A DEBT COLLECTOR, AS LAWS REQUIERES THEY HAS TO REMOVED THIS ACCOUNT FROM MY CREDIT REPORT BECAUSE WAS SALED TO ANOTHER LENDER, THEY KEEP IT, THIS IS A VIOLATION OF 15 USC 1681i-5. THIS DEBT WAS PAID IN FULL HERE I WILL ATTACHED A REAFIRMATION LETTER FROM LENDER
Product: Checking or savings account

Ive been banking with navy federal since XXXX until now XXXX. Ive had nothing but overdraft fees cause my account to go negative and they will over draw it over 3-4 times until its in the XXXX  even more than that. I have XXXX accounts with them I transfer money to one of them for bills and my paycheck goes in to my XXXX XXXX account. Im a XXXX  now.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card or prepaid card

I received a large refund to my Apple Card ( issued by Goldman Sachs ). I requested a refund of this money on XX/XX/XXXX, but was told to wait till the end of the month ( greater than the 7 days allowed for a credit balance ). I reached out on XX/XX/XXXX as this did not occur. I understand however that this is due me having a parallel balance ( an installment balance that is applied on a monthly basis on my account, but Goldman reflects the total installment balance as what is owed to XXXX to the credit agencies, and my available credit is reduced by this amount ). Apple/Goldman offer no way to apply my credit balance towards this installment balance and offered to keep the credit balance on my card for as many months as it takes to pay down my installment balance. I requested a refund to do so myself given this inability and was told this was not possible.
Product: Credit reporting or other personal consumer reports

On my credit report I see Hard inquaries that dont belong to me, I would like these removed please : XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, 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. 

I am filing this Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO XXXX report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX  on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

There are 3 people on the loan ( XXXX, XXXX, and XXXX  XXXX. My sister XXXX XXXX XXXX started to make payments for us in XX/XX/XXXX due to financial difficulties. 

We applied for the forbearance program back in XX/XX/XXXX due to COVID. XXXX  lived in a different state and when she came home and noticed that the payments were not being applied as requested, we requested the forbearance program again about XX/XX/XXXX. We received confirmation that forbearance program began XX/XX/XXXX. 

We paid {$13000.00} during fiscal year XXXX and the amount due including principal and interest for the fiscal year is {$14000.00} - note that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was not due, due to the forbearance which amounts to {$3700.00}. 

We filed a complaint previously w/the CFPB previously and M & T noted that XXXX is not an authorized 3rd party when she is a loan holder and CFPB closed the case. We called M & T mortgage and they said the person reviewing the file had to go to a second screen. It is very frustrating. 

To give credit, after the complaint was filed M & T did apply some of the payments towards the principal but now have a {$74000.00} payment unpaid for XXXX. I'm not sure how this was done but now our credit score is negatively impacted even though the forbearance program is not supposed to have any negative impact on your credit. 

I have been on the call w/M & T mortgage for literally XXXX to discuss this just today alone which ended up either in a disconnect or a hang up. CFPB was not that much helpful when I called after my frustration that I am in fact on the loan and their response that I am not an authorized 3rd party is XXXX - excuse my language.
Product: Mortgage

Refinanced my house with Cash Call Mortgage ( CCM ) First payment made on XX/XX/2020 Principal {$480.00} + Interest {$740.00} + Escrow {$410.00} Total {$1600.00} with additional payment of {$500.00} towards principle. Without any notification from CCM my loan was transferred and only got to know through a confirmation letter from XXXX XXXX XXXX  dated XX/XX/2020. Now the issue is that although additional payment of {$500.00} shows in CCM Payment History under Due Date XX/XX/2020. But the Total Loan Amount of {$230000.00} shows on XXXX XXXX XXXX Statement instead of {$230000.00} This issue is still not resolved by the CCM since XX/XX/XXXX. 2020.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissons experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. ( FCRA ), 15 U.S.C 1681i The accounts are as followed Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$1.00}, 196 written off. 

Account name XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$92.00} written off. {$92.00} past due as of XX/XX/XXXX. 


Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$130.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$630.00} past due as of XX/XX/XXXX. 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX Account name XXXXXXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$840.00} past due as of XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/year> I discovered that someone was making payments via ACH-debits directly out of my JP Morgan Chase checking account. I did not recognize any of the vendors receiving my funds. I contact Chase 's claim department immediately and opened a claim for XXXX different transactions totaling over {$16000.00}. I went to a Chase branch office on XX/XX/year> and froze the account. Within days Chase responded and denied my claim essentially saying there were previous transactions with these vendors in addition to the XXXX and since they were not challenged Chase deemed these XXXX transactions were valid and authorized. I informed them that was not the case. Upon further examination I discovered use of ACH-Debits from my account started in XX/XX/year>. I opened multiple claims to ensure all encompassed the initial debits made to each vendor. Chase would eventually approve a claim that included debits made from XX/XX/year> through XX/XX/year> about {$9000.00}. The perpetrators use this methodology to fraudulently remove over {$35000.00} from my account but Chase only agreed to credit my account by {$9000.00} leaving over {$20000.00} lost. Chase subsequently denied all my other claims stating they exceeded the 60 day window which I challenged as several of the transaction on my initial claim were from XX/XX/year>. Chase has stood behind their decision and will not reverse or even research the issue. I did find out from Chase later on they never even investigated who was doing this... they denied my claims saying they all exceeded the 60 day window. When I asked why then did Chase approve my claim for charges from XX/XX/year> into XX/XX/year>, which were well beyond the 60 day window they did not provide a response and reiterated all my other claims were denied due to the 60 day window. 

I have gone out on my own to contact the vendors who received my funds but they won't work with me as 1 ) I don't have an account with them, 2 ) they would not disclose who their customer was that was using the funds due to privacy concerns. They told me to work with my bank, Chase, who would then file a claim with them and they could investigate but again, Chase will not investigate stating the claims are too old.
Product: Debt collection

I had gotten repeated phone calls from " XXXX XXXX '' who says he is with a third party collector called, " ASG '' XXXX XXXX has threatened me with calling people " associated '' with me by naming off a list of people whom I may know. He said to me, " then I will be calling such and such and named off a list of people some of which are n't even relations to me. He also threatened to " garnish '' my wages if I did n't pay them {$1200.00} by Friday. He had a " courier '' who would be serving me papers on Tuesday and no one showed up. 
I was getting irritated with the entire conversation. He was talking over top of me, yelling on the phone, " asked if I had n't had my coffee for the day ''. I asked for a street address, and he refused to give me the street address, but rather a XXXX XXXX because it was none of my business of the street " ASG '' was located on. I feel this " XXXX XXXX '' is a scam since he talked to me the way he did. I will not pay or hand over {$1200.00} without knowing if this was a scam. I called back nine times to speak with him after he hung up on me the third time. On the ninth call, he told me I was harassing him and he would be calling the police on me and I would go to jail. 

I will not hand over {$1200.00} to some person who I do n't think is legit. Someone needs to investigate them. If it is legit, I will be happy to pay my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX account with an outstanding balance of {$980.00} not reporting accurately across the three bureaus after multiple disputes have been opened. The account continues to come back verified but the information being reported does not align across all three bureaus nor does it align with what the original creditor supplied with billing statements as well as their own response to an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

NISSAN MOTOR ACCEPTANC Inquired on XX/XX/2020 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has placed a fraudulent medical collection on my credit report. I have never received any notification for medical bills and I am a XXXX and have a great benefits package.  This is negatively impacting my credit and needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX