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

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency , block and remove 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 very much in disbelief of what's happening with my consumer report, the listed accounts are listed below. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
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

I am writing to express my concern regarding the XXXX accounts on my XXXX XXXX Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These XXXX  accounts are severely damaging my XXXX XXXX  and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused XXXX XXXX  for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my XXXX XXXX  without any further delay. With your help, I hope to restore the accuracy and integrity of my XXXX XXXX so that I may regain control over my XXXX XXXX. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, no proof was provided nor was the negative information in this account. This is inaccurate information bring reported every month
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX XXXX  on XXXX XXXX from XXXX XXXX XXXX. I was told that I was finished through a company called XXXX, they dealer originally used bait and switch tactics to increase the price of the vehicle by over {$4000.00} higher then the advertised price online of around {$15000.00} approximately. The dealer failed to secure financing after I had the vehicle for over a month. In retaliation to not securing financing the dealer decided to run my credit without my consent after a contract date of XXXX XXXX. This is fraud and improper use of my credit report. The dealer also tried to claim the added XXXX XXXX XXXX to my vehicle and it was a lie, it was fraud by deception, neither were installed on the vehicle. The dealer had no right to run my credit without my consent in hopes of lessening my chances at approval to other dealers. The dealer caused intentional economic harm that prevents me future economic and financial opportunities.
Product: Money transfer, virtual currency, or money service

I opened a Kraken Account on XX/XX/year>. Deposits have been made to them on XX/XX/XXXX ( {$54000.00} ) and XX/XX/XXXX ( {$100000.00} ). Kraken informed me on XX/XX/year> that they were closing my account in XXXX hours. I could withdraw remaining balance of $ XXXX, but efforts went to nil as they were not clear about wire transfers requirements. I have emails from Kraken of updated withdrawal methods on XX/XX/XXXX to my XXXX Account XXXX. Ticket # XXXX. 

Kraken closed my account on XX/XX/XXXX without transferring or letting me to withdraw remaining balance. On XX/XX/XXXX I received email from Kraken asking for more bank statement information which I provided. same ticket number. On XX/XX/XXXX I provided detailed bank account statements for XX/XX/year>. I asked them to temporarily restore my Kraken Account asap to let me withdraw the remaining balance ( $ XXXX ). 
I have not heard back from this request.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report an saw accounts I dont recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently someone used my social security # /credit information to obtain a new vehicle on XX/XX/2020 via Volvo Financial Services XXXX Said vehicle was apparently later repossessed and I'm seeing an outstanding balance of {$10000.00} charged against me on my credit reports! I opened a report # XXXX yesterday on XXXX and they explained to me to contact ftc.gov to report it also ( I HAVE credit monitoring, alerts AND freezes in place yet this still happened! ) I live in XXXX XXXX, I have at NO time lived or visited South Carolina and much less authorized or purchased ANY vehicle there!
Product: Checking or savings account

I opened up a business bank account with M & T for my film production company XX/XX/XXXX. Within that process they sent me checks through the mail. The checks never arrived and I then looked at my bank account to check if my producer wired money to my account. He did, but I then discovered that someone was signing checks and stealing my newly funds. I immediately called the bank. The banker XXXX XXXX said she had called me. I then told her she should had frozen my account because the signature wasn't nearly close to mine. I also told her that she should have reached out and told me that she suspected suspicious activity on account. I then went to the bank to sign 5 Affidavit Of Forgery documents XX/XX/XXXX ( Checks for {$930.00}, {$840.00}, {$890.00}, {$920.00}, and {$910.00} ). They then started me a new business bank account and said they would keep the old business account open until the investigation is done. Months went by and XXXX hadn't helped nor contact me with updates. I then filed a report about the checks to The United States XXXX XXXX XXXX XX/XX/XXXX. By this time branch manager XXXX XXXX then took over the account complaints. She was very nasty to me and sometimes would completely ignore my emails. So I then tried to reach out the bank 's customer service and it didn't help. I then went into another branch and a banker by the name of XXXX XXXX tried to to contact XXXX XXXX and help me and it didn't work. Eventually they also deleted the account where the fraudulent activity occurred and havent reached back out to me. Its been a very long two years of trying to get my money back. I felt so lost that my small business lost this much money causing my business to go into debt. Recently my mom notified me about XXXX so Im now reaching out for help.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the last date active is inaccurate and the last date reported is not accurate. This is grounds for removal they also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loan has met the terms for forgiveness. MOHELA first said I needed to complete a new employment certification. I submitted it and was told it would take 30 days to review. It has now been over 90 days and they are now claiming my employment certification is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Product: Vehicle loan or lease

Purchased new truck XX/XX/year>. XXXX I recorded a conversation with Ally the lender asking the rep why my payment was due a different date than my loan said. 

Man replied because the loan was created on XX/XX/XXXX I later found three different loans on my Ally account all for the same vin yet different date and time stamps when I was not even in the building. 

XX/XX/XXXX XX/XX/XXXX XX/XX/year> The XX/XX/XXXX loan is filled out by someone at the dealership I had never heard of at that time, claiming to be the business manager. 

XX/XX/XXXX this business manager had called 7 days after I indorsed the loan documents. He stated Ally would not accept my signature and requested me to come back to sign a new loan. I have copies of both of my loans that I approve my indorsement or signature on. Now the new loan that was time stamped on XX/XX/year> and back dated does not even appear on Ally website. 

Now Ally has removed all three alleged loan documents from the site so I cant see them. I however have printed them out for evidence of fact of fraud. 

I have called one of the dealerships asking to speak to the president of dealership to share with them this info. They have yet to have someone contact me back.
Product: Vehicle loan or lease

This loan was paid off on XX/XX/XXXX and was posted as a withdrawal on my account on XX/XX/XXXX. I called the lender, Santander Consumer, on Wednesday, XX/XX/XXXX to find out when I would receive the title to my vehicle. They told me it would be sent out via USPS the next day on Thursday, XX/XX/XXXX from Texas. I had purchased another vehicle from a dealer who gave me a reasonable offer to purchase the vehicle I just paid off. I explained that the offer from the dealer was only good until XX/XX/XXXX and I needed the title to sell my vehicle. The person at Santander explained it would be mailed XX/XX/XXXX and would be here by XX/XX/XXXX. 

I have not received my title as of today, XX/XX/XXXX and my offer has expired and I will most likely lose out on money. What can I do you get my title for my vehicle? The representative at Santander obviously gave me false information, because if they indeed sent it out XX/XX/XXXX, I should have received it by now.
Product: Debt collection

I have been informed that negative information was reporting on my credit report by a collection agency with the name of XXXX  XXXX. I contacted this company by certified mail twice to get validation of debt amount owed. this company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the XXXX that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since, this company states I owe XXXX $ but I will not pay this collection agency any type of my money without sufficient validation. I have asked this company twice to validate this debt bearing my signature or to show some type of contract I have between this company & I. It is by law by the FCRA THAT I CAN REQUEST VALIDATION AND IT MUST BE SENT TO ME. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. This company only marked my account disputed on my credit report but have failed to send me any documents of what I am asking for. 
I have the right to demand to see a signed contract between, e and XXXX XXXX. If this company is hired by a 3rd party company then I request validation and NOT verification of the debt meaning a signed contract from the original company and not a itemized or generic bill. a bill is considered proof of debt, not validation.
Product: Checking or savings account

On XX/XX/XXXX I had some automatic payments withdrawn from my account, but I was showing a positive balance because the transactions were processing. On XX/XX/XXXX I had put gas to which the transaction did not decline. I also have overdraft protection that allows 24 hours to make a deposit to be able to avoid an overdraft fee. On XX/XX/XXXX I was charged {$37.00} in overdraft fee to which i was willing to pay but then on XX/XX/XXXX I was charged {$74.00} overdraft fee. Then on XX/XX/XXXX again i was charged {$37.00}. I called the bank to advised of a financial hardship to see if I can get the fees reversed, I was told that they could not reverse the fees since they had already done so for me in XX/XX/XXXX so I asked to speak to a supervisor to which i was still told No. So I was able to get some help and bring my account positive, after paying them {$140.00} in fees. Then XX/XX/XXXX I had some payments come out to which I transferred through XXXX some money to be able to keep the account positive and not in negative standing but on XX/XX/XXXX I was charged once again {$74.00} of an overdraft fee. I reached out to the customer service chat and was told that the fees are accurate and that I needed to make either cash deposits or internal transfer to which I did not understand as XXXX is an immediate way to deposit funds to your account. She advised of the banks strict policy of only reversing a fee within the 12 month rolling period. I also have daily pay and pay a fee to be able to have funds deposited immediately. I am a single mom of XXXX  with no assistance and I am being charged these outrageous fees that I can not afford.
Product: Mortgage

XX/XX/XXXX TO : Bureau of Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, DC XXXX SUBJECT : MORTGAGE LOAN APPLICATION DENIAL This complaint is in regard to our loan application for a refi made to JP Morgan Chase Bank, NA on XX/XX/XXXX. My husband and I feel we were wrongly denied for the following reasons below : 1 XX/XX/XXXX : Prequalification letter received from Chase Bank XXXX 
2 Documents dated XX/XX/XXXX : A Lock-In Agreement and Mortgage Commitment Letter was issued or 59 days elapsing with acceptance given. Schedule A Conditions 1-9 were met with documentation provided to Chase.

3 Documents date XX/XX/XXXX : A new Notice of Counteroffer, Mortgage Commitment Letter, and Lock-In Agreement was received. Again, Schedule A conditions 1-5 were fulfilled and submitted to Chase. These conditions requested were the same as the documents submitted on XX/XX/XXXX! 
4 XX/XX/XXXX : Received email from XXXX XXXX , loan officer, again asking for the same information as # 2 and # 3 above ; which was provided. 
XXXX XX/XX/XXXX : Statement of Credit Denial, Termination or Change letter received for : ( a ) excessive obligations in relation to eligible income ( b ) value type place or condition of collateral insufficient or unacceptable. 

The manner in which our application was processed demonstrates sloppy banking procedures and a disregard for the laws governing mortgage applications. When a counteroffer is given and accepted with all conditions for a closing met, our expectations were for a closing to follow. However, when the very same reasons for denial are used to determine a loan, one must wonder if the inconsistency was not intentional, if not deliberate, since a counteroffer and commitment was extended based upon those very same factors.

Additionally, within the past fifteen years my husband and I have been approved for mortgage from Chase Bank on the very same home and income ( XXXX and XXXX, respectfully ), above average credit scores ( XXXX XXXX, XXXX and XXXX ; XXXX XXXX, XXXX and XXXX from the top three credit bureaus ) with the only exception is our ages. Both mortgages were in good standing with Chase as is our current one ( again with Chase Bank! ). 
It is therefore our question, how many retirees with a XXXX and XXXX, respectfully, credit scores does Chase decline? Although we feel singled out in this experience, we wonder if Chase is discriminating against an age group in spite of acceptable credit? 

Respectfully submitted, XXXX and XXXX XXXX
Product: Student loan

My student loans were forgiven due to a total and permanent XXXX from the military in XX/XX/year>. In XXXX, my loans were transferred from Mohela to XXXX and the process was restarted. Mohela has not reported that my loans were closed on their end and is still showing I owe my entire set of student loans on an active account. I have submitted documents showing that this is wrong, and the credit bureaus say they reached out to Mohela and they are saying its correct. Mohela and I have talked and it is very clear that my accounts are closed and XXXX balance on their side.
Product: Mortgage

Wells Fargo refuses to list positive payment history on credit reporting to XXXX, XXXX and XXXX credit bureaus. The loan was modified and payments have been on time for over 2 years. I have attempted multiple times by phone email and in person to fix my credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the credit bureau as recommended disputing items on my credit report that were inaccurate and did not look familiar. I explained in the letter the items that should be investigated. To date, I still not have received a response from the credit bureau. Based on the law it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been 30 days and I recently checked my credit report again and it is still showing the same items I disputed. Prior to submitting this complaint I also wrote a letter demanding them to respond because it is has been 30 days and I should have received some type of response by now. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 15 usc 1692 cc2 I have invoked my creditor status and notified experian, XXXX, XXXX, and XXXX that I am creditor over all accounts in the name of XXXX XXXX are to be replaced as paid as agreed never late for all negative accounts. 15 usc 1681b permissible purposes the reporting agency must place or remove what ever the consumer request and has not changed the creditor score to that of a creditor as requested nor has the master or full file requested been received. 28 usc 3304 prevents the transferring of a debt after creation and once sold the debt is no longer to a third party without a contract. So all debt collectors are fraud without contract with consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you under circumstances conducive to prompt resolution. I am writing to express my growing concern and frustration despite multiple attempts with the unresolved issue of fraudulent items associated with my account. Despite my repeated attempts to address this matter through your designated channels, I regret to inform you that all efforts to remove the fraudulent items have been unsuccessful. The persistence of these unauthorized activities is causing me considerable distress, and I am alarmed by the potential impact on my financial standing. Ensure the successful removal of all fraudulent items and transactions linked to my account without any further delay. Provide me with a comprehensive update on the ongoing investigation into the origins and nature of the fraudulent activities. I understand that addressing such matters requires careful consideration and timely action. I urge you to treat this issue with the urgency it demands to rectify the situation promptly. Your immediate attention to this complaint is crucial. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve the issue. I anticipate your swift response to restore my confidence in your services. I am asking for your help to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXXXXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX XXXX XXXX offers income-driven repayment ( IDR ) plans that offer loan forgiveness after either 240 or 300 qualifying payments have been made. My federal loan servicer is FedLoan Servicing. When you go on their website, they only offer information and loan tracking for 'Public Service Loan Forgiveness ( PSLF ) ' which is completely different from the loan forgiveness offered to individuals that have made 240-300 qualifying payments under IDR plans. Their website only provides the option to track and apply for PSLF loan forgiveness. I have contacted FedLoan Servicing on several occasions to determine how many qualifying payments I have made under the IDR plan and it does not appear that this is tracked in their system. FedLoan Servicing acquired my account in 2014 and based on the response I was given by a customer service agent, it does not appear that payments made with the previous servicer was carried over and tracked in their system. Each time I inquire about my qualifying payments, I'm met with confusion by the customer service agents who eventually wind up manually calculating only the qualifying payments I've made with them.