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

On the site CreditKarma.com I applied 3 times for 3 cars all having 93 % approval. None of which were approved but effected my credit negatively none the less and recieved and email all 3 times stating the reason was due to low credit use which credit karma knew of prior to advertising said cards to me. Now it will cost me money to repair the negative credit points.
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 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Verification of Debt - XXXX XXXX XXXX XXXX  # XXXX Dear TransUnion, I am writing to formally request verification of a debt reported on my credit report. The account in question relates to an auto loan opened up with XXXX XXXX XXXX in XX/XX/XXXX Account # XXXX Upon reviewing my records, I believe that this debt is beyond the statute of limitations for collection in Illinois . According to the Fair Debt Collection Practices Act ( FDCPA ) and the laws of Illinois, creditors are legally barred from pursuing legal action on debts that have surpassed the statute of limitations. 
Please provide me with : Documentation verifying the debt, including the original creditor 's name and the date of the last payment. 
2. Confirmation that this debt is within the statute of limitations. 
If you are unable to provide this information, I request that you remove this account from my credit report, as it is potentially damaging to my creditworthiness. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX to report items on the credit profile. Requesting Identification and signature If practices failed prior, my credit shouldn't be compromised as a consumer. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Debt collection

I lived at an apartment complex and was transferred for my job. I notified palm apartment via email according to the contract if I proved it was for work there wouldnt an issue this was over three years ago. They said I broke the contract and said there were damages in the apartment which there were not. I advised the palm apartments that we would take this to litigation because their information was incorrect and they were just trying to get money. Never heard anything from them. Then in XXXX of XXXX  a company called Iq Data international put a negative report on my credit for {$3800.00}. Palm Apartment was advised of the move via email and the charges were not legit. I have asked for sign contracts and my emails of the move and no response. The information that Iq Data International has place on my account in incorrect, they said it started in XX/XX/2023 when in fact it is over XXXX years old and no litigation was filed to prove I owed anything. 
The false information and incorrect information they placed is effecting me from purchasing a house and giving me a low credit score. This company has had many issues and complaints why does the government let a company like this continue to XXXX people and lie.
Product: Mortgage

The balance Bank of America is reporting to the credit reporting agencies is incorrect. 
I entered into a forbearance program which ended in XX/XX/XXXX. When that ended, I was told the loan was current and I could resume payments under the normal terms of the loan, which I have done. But, they entered me into a program, called XXXX STANDARD MODIFICATION TRIAL PLAN without my knowledge, causing my credit score to drop XXXX points. I was told that would be removed from my credit report, and it hasnt been. 

When I entered the forbearance program, my loan was current, and the balance was XXXX. My most recent statement dated XX/XX/XXXX has a balance of XXXX. Bank of America is reporting to the credit agencies that my balance is XXXX? 
I disputed this via XXXX, and was notified the information is accurate. Its not. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint about erroneous information on my account. The investigation has taken over 30 days to complete. There several collection accounts on my credit report. They have not provided contract that proves the debt belongs to me.
Product: Credit reporting or other personal consumer reports

Chase Freedom unlimited Visa card belonging to XXXX XXXX XXXX, born XXXX added my name to his account without my permission. The balance on his XXXX account with Chase showed up as a debt owed by me on my credidt report. with XXXX. Chase Bank was notified and they took my name, XXXX XXXX XXXX, off the account. However, my credit report continues to show the Chase account as a debt I owe. The Chase Freedom account number is XXXX XXXX XXXX XXXX, expiration XXXX digit XXXX XXXX  Your help would be greatly appreciated to remove this account from my credit report. 

My husband of 48 years died 6 years ago. I met XXXX XXXX through my daughter and her XXXX 3 years ago. XXXX XXXX and I dated for several months and currently live together without intentions of getting married. I am XXXX he is XXXX. We have NOT mingled our finances as I am financially better off than he. 

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

I recently went to a car dealership to apply for a car loan I was told only XXXX bank would pull my credit report how ever I recently reviewed my credit report and found multiple Hard inquiries that I don't recognize I have listed them below XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello! 

My XXXX, sick, veteran grandfather was trying to spend his money as a gift to pay off my last student loan and this is how mohela mishandled his money. 
My dad called mohela in XXXX to get payoff balance, address to mail a check, and account number to write on the check to pay off my last student loan. They mailed a check in XXXX to Mohela for my loan # XXXX Mohela cashed this check on XX/XX/XXXX but never applied it to my loan. We called numerous times and spent hours on the phone. We have been told numerous stories. We were told by a supervisor that they would be applying to the correct account in 10 days. Didn't happen. Then we told they just needed our proof from the bank that showed mohela cashed it - we sent that documentation. We were told at one time that there was record on one of my accounts ( had a precious fed loan account that was forgiven due to PSLF ) that the check was sent to the wrong address but that in the record they could see mohela told them the wrong address when they called in XXXX. Apparently the check was sent to a location that only dealt with fed loans so could not apply the money to my FFEL loan. Since then mohela claims there is no record that my family was given the wrong address. We have now been told the documentation was submitted for refund on XX/XX/XXXX and we should get it within 90 days. I have filed numerous XXXX complaints to get to this point. It has been more than 90 days and we have no refund. I filled a complaint with federal student aid and they stated mohela told them I would get a refund 30-45 days after XX/XX/2023. Still we have no refund. I am continuing to have to pay interest and make monthly payments because mohela had mishandled our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SHOWING AN LOAN ON MY EXQUIFAX, XXXX   AND XXXX THAT IS NOT MINE
Product: Credit reporting or other personal consumer reports

this is my second letter to you asking you to take a look at the file you have on my credit file if you dont know about it and i dont know about it delete it now
Product: Debt collection

collection agency is Southwest Recovery. They told me to dispute and i did but they are saying its mine when it is not mine XXXX XXXX {$360.00} XX/XX/2023 I have never used this company i have had XXXX for over 30 years in texas I dont even know who these people are
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain hard inquiries that were made on my credit report, which I believe were unauthorized or made without my consent. Upon reviewing my credit report, I noticed several inquiries that I do not recognize and do not recall authorizing. 

The inquiries in question are listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I request that you investigate and remove these unauthorized inquiries from my credit report, as they do not reflect my permission and may be impacting my credit score.

Please review the information and, if these inquiries can not be verified as being authorized by me, I ask that you remove them promptly in compliance with the Fair Credit Reporting Act ( FCRA ). I understand that under the FCRA, any inquiry that can not be verified must be removed.

Kindly confirm the removal of these inquiries within 30 days of your receipt of this letter, as required by law. I appreciate your immediate attention to this matter and look forward to a prompt resolution. 

Thank you for your cooperation. 

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

Involving docket # XXXX reported with all 3 bureaus : Under the new law effective XXXX XXXX, 2017 any  public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus. Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit card or prepaid card

I have a Capital One Venture card set up with the Auto Pay feature to pay the statement balance in full every month. 

In XX/XX/2023, the payment was not drafted from my checking account on the due date, XX/XX/XXXX, so I called Capital One the following day on XX/XX/XXXX to inquire why it had not been drafted and was told that they could not tell because I was set up in Auto Pay to have the full statement balance drafted from my account. I paid the full balance over the phone on XX/XX/XXXX and the representative acknowledged that there was no reason he could see why it had not been drafted as it should have been. He agreed to refund the {$25.00} late fee that had been charged to my account. 

At the time, I did not realize that on XX/XX/XXXX I was charged {$21.00} in interest for the prior month 's daily accrued balance. On XX/XX/XXXX, the balance was drafted in full, as it had been in every month prior to XXXX. I was again charged {$10.00} on XX/XX/XXXX even though the balance was again paid in full. 

This morning I called to inquire about the XXXX interest charge and the representative again said he did not understand why I would have been charged interest as the account had been set up for many months to be auto drafted and paid in full every month but that he did not have the ability to waive the interest so I asked to speak to a supervisor. 

The supervisor then told me that he saw where the account had been cancelled to have the payment drafted but could not tell who did it. There is however, NO RECORD of the auto payment being " reactivated '' - it was never cancelled in the first place, at least be me. If there is a record of my auto payment feature being cancelled, it would stand to reason that there would also be a record of the Auto Payment being reactivated after the XXXX statement but I have verified that there is no such transaction record on my account. 

I am at a loss why I am being charged interest for two months worth of charges for what is effectively a one day late payment due to a system error at Capital One. At no point prior to speaking to this supervisor has anyone previously ever indicated that the Auto Payment was cancelled and I certainly did not cancel it. I paid the entire balance over the phone on XX/XX/XXXX and I pay the balance every month in full. 

I have been charged for accrued interest for two months through no fault of my own. Capital One, while acknowledging that no of this makes any sense, is unwilling to refund me for the interest they have charged to my account. Please look into this and help. Thank you
Product: Mortgage

Hello, I have a 2nd mortgage ( Home Equity loan ) with CitiMortgage, Inc.. Back in XX/XX/2013 I went through a bankruptcy which was discharged in XX/XX/2013. Since that time I was receiving monthly mortgage statement from CitiMortgage, Inc. However, for the past 3 months I did not receive any. Also, I did not receive any notifications stating that CitiMortgage, Inc. will stop sending me the monthly mortgage statements and the reason for it.

This week I called Customer Service Department and was told that because of the bankruptcy CitiMortgage is not required to provide me with a monthly statement. Is this correct? How can I find out otherwise what is the outstanding balance?

Is there a law/regulation that would make CitiMortgage provide me with a monthly statement? 

Thank you.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report noticed that i have been a victim of identity theft and found credit inquiries that i not recognized here are inquiries that i found XXXX XX/XX/scrub>XXXX  please remove these fraudulent inquiries from my credit report
Product: Credit reporting or other personal consumer reports

I have written multiple times to Equifax to remove a medical account " Ref # XXXX {$800.00} balance unpaid medical account '' - listed on my report and it is not my account. Also I have never signed any HIPAA form authorizing the release of any medical info to anyone. 

They are violating my personal privacy and this has to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 accounts on my credit report that are not mine I have not applied used or know of these accounts I need them off my credit report ASAP!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX XXXX {$5800.00} XXXX  XXXX - Acct # XXXX Amt {$14.00} XXXX XXXX - Acct # XXXX XXXX {$330.00} XXXX XXXX - Acct # XXXX Amt {$790.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$130.00} XXXX XXXX - Acct # XXXX Amt {$1100.00} XXXX. XXXX - Acct # XXXX Amt {$330.00}
Product: Mortgage

I had a covid forbearance with Pennymac for a few months.I was told that when i came off of it they could put my payments to the back of my mortgage and resume my normal payments and that they would not report my late payments to the credit bureaus. Turns out none of that was true. they were trying to make me pay back all of the missed payments unless i did a loan modification, i said ok. after my loan modification was done they reported my late payments to the credit bureaus and my credit dropped about XXXX points! Also they raised my interest rate from XXXX to XXXX which i had no idea they would do before i was forced into this situation! So now my mortgage payments are about {$500.00} more a month and there is no way that i can pay it. I just want my interest rate to go back to what i originally had which was XXXX, thats all i am asking. I am a XXXX XXXXXXXX veteran and this seems like a bait and switch! the whole process that was supposed to help me actually has destroyed me the most, its crazy!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft someone has been running my credit and trying to open multiple accounts and bank accounts I am going to place a lock on all credit bureaus please place a fraud alert on my credit report asap. The following inquiries are fraudulent and not mine : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very unhappy at the fact that there is FRAUD information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account that does not belong to me. This is my fourth letter to your company informing you that the accounts are a result of identity theft. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. Also, how can you even verify a fraud account? Please remove these items from my report!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ACCT # XXXX DATE OPENED : XX/XX/2013 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I had XXXX Bitcoins stored in a Wallet at Coinbase. On XX/XX/XXXX all my Bitcoins were transferred from my account. The transaction history on Coinbase says that money were " sent to Coinbase '' without further explanation. Coinbase does not offer phone support for transactions and asks their customers to create an support case via their web gui. Ive created several but they get closed without explanation.