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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Mortgage

It has been more than one year since contacting you requesting help with my incorrect ending balance at bank of america who is the servicer of my home loan. I have tried unsuccessfully numerous times to refiance my mortgage loan dating back to 2013 first with bank if america then next with XXXX. BOth banks will not close my loan unless I pay a balance that is incorrect. Bank of American has added to fixed 30 year monthly payments and ending balance incorrect forced insurance, late fees. Reported too all Credit reporting agencies my loan as being late over the past twelve m onths. Impacting my credit reporting scores to be too low to obtain another loan. MY current rate is XXXX plus. I have lost out on over three years of XXXX to XXXX per month in loan savings
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection 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
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Debt collection

This was paid directly to the original creditor. This company does not have a right to collect the debt.
Product: Debt collection

I had an outstanding balance with Citibank for {$680.00}. It was being reported to all three bureaus as {$680.00}. When I called Citibank to pay the debt, I was told the statue of limitations for collections had passed. I was further told that any payments that I made would be " courtesy '' payments. I then asked if the account should even be reported to the credit bureaus. I asked if the account was reported to the IRS as a charge off. I was told it was not. I confirmed that the payment amount that I owed was {$680.00}. I was told I could not pay over the phone or the web, but that I had to send the payment in. I sent in a payment for {$680.00}. I called back to secure a XXXX balance letter and I was told that I had a balance of {$0.00}. I sent in the payment for {$0.00}. The payment cleared my bank account, however, they still told me I owed the {$0.00}. I was later informed the {$0.00} was applied to someone else 's account. I was then told that I had to wait 10 days for the money to be applied to my account. I requested a zero balance letter, as the check had been cashed. I was denied. I was told I had to wait 10 days for the transfer of funds and I had to wait 15 days from the date the check was cashed prior to them providing me with a XXXX balance letter. Currently, they are incorrectly reporting a balance on my credit report. They have refused to quickly rectify the situation. They have denied me from talking to anyone besides the floor supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXXXXXX XXXX  was told by a real estate agent to go on line and get information from Veterans United Home Loans to compare rates. I went on line filled out the XXXX portion of inquiry- after putting in my information I realized that this was a pre-approval form for a loan. I did not continue with the form but closed out screen. Today my husband received a letter of stating the application had been closed because they did not have all my information. It also, states that this action is not reported to the credit bureaus. And does not affect your ability to apply with another lender or reapply with Veterans United Home Loans in the future. 

This company ran a credit bureaus hard inquiry- insisting I gave them the authority to do so,. If I had then they would have had all the information they needed and the application would have been complete. 
When I call them to have them remove the inquiry they argued with me ( one supervisor stated that he was the only supervisor and I had to talk to him!! He LIED! ) I called back and was given " ANOTHER SUPERVISOR '' hearing laughter in the back ground. They refused to remove the inquiry and now my credit rating has gone down XXXX points- And if I wanted to I could not get any loans period because it has taken my rating in the low XXXX 's. 
My husband and I both have a back-ground in XXXXXXXX XXXX XXXX  and we know what they are doing is incorrect. 
I am sure they have done this to other XXXX. 
And I feel they need to remove this inquiry.
Product: Credit reporting or other personal consumer reports

I received aXX/XX/XXXX day late status on my Credit report with all XXXX Bureaus. I was never Late on my XXXX XXXX XX/XX/XXXX, I have been a loyal customer for over 5 years. In fact, I spoke with the Creditor and supervisors about this situation on several occasions. I also explained to the representative that I will be recording the conversation for my own records. The creditor admits the XXXX fee is an error and even refunded the {$40.00} late fee on XXXX XXXX. I included my bank statements as proof from the creditor the XX/XX/XXXX Day XXXX in XX/XX/2023 is Paid as Agreed. XX/XX/2023 thru XX/XX/2023 statement shows {$340.00} mobile online payment was paid on time and the {$40.00} late fee was refunded. Then in the next bank statement XX/XX/2023 thru XX/XX/2023 shows the minimum payment was {$340.00} however, I paid {$800.00} on time and the {$40.00} late fee was also reversed. I have reached out to the creditor to contact the bureaus to update this error but I have not heard from the XXXX or the Bureaus in over 30 Days. However, when I check my Credit Report it is showing the investigation is complete but I never received any investigation results in the mail at my Current address they have on file. I thank you in advance for your help in resolving this matter. Thanks
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Debt collection

They call multiple times a day some are after XXXX central time, from randomized numbers so I cant block it. They have started to call my place of employment multiple times. I have received a voicemail stating they will come to my place of employment that they need to coordinate a time for that to happen. Ive attached the name of the collection company and the original debt.
Product: Credit reporting or other personal consumer reports

Im beyond frustrated that this is still going on. These accounts in pending litigation should never have been reported on my credit in the XXXX  place. Ive contacted you repeatedly, and despite my efforts, theres been no action taken to fix the issue. Every day this goes unresolved, my credit score takes a hit, and its seriously affecting my financial future.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent : address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a home equity loan with XXXX, with Nationstar being the servicer. We went on a forebearance plan in XX/XX/XXXX due to Covid and losing income because of it. We renewed it every 3 months with it supposed to be ending in XX/XX/XXXX. Our hope was to defer the payments we missed after it ended in XXXX and start fresh. We received a letter from Nationstar that said as of XX/XX/XXXX our new servicer would be XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments should be directed to them after XX/XX/XXXX. I called Nationstar and talked to a rep and asked why this happened and they said it just does and nothing has changed except they would be who you make payments to after the forebearance ends. Then on XX/XX/XXXX I received a letter that they are actually a debt collector and I had to do a loan modification with them to pay back the entire home equity loan. This is being reported as our loan went to a collection agency and is a bad mark on our credit report. It was not our fault that this happened snd we were never told it was being sent to a collection agency. We want this off our credit report. Nationstar totally missed that the loan was in forebearance and under the cares act we should have been protected, not sent to collections!
Product: Mortgage

I have a XXXX mortgage with WELLS FARGO. They are trying to steal my home. They are not reporting my full payments. They keep denying me a loan modification the XXXX they tried to give me was not lowering my monthly payments but raising it. They would not consider the XXXX program. 
My mortgage is bundled and sold as a MORTGAGE BACK SECURITY. I worked hard to get my family a home it may not be much to most people, but to me and my family it is our AMERICAN DREAM. I teach my boys if you work had and do good you will be blessed. PLEASE DO N'T LET WELLS FARGO TAKE MY HOME FROM MY FAMILY AND MYSELF. THEY KEEP ASKING ME FOR THE SAME PAPERS OVER AND OVER AGAIN, ONLY TO DENY ME, THIS IS WRONG. PAPERS WERE ROBO SIGNED AND FORGED. Wells Fargo never intended to give me a modification. They are working against me and denying me many of my rights
Product: Credit reporting or other personal consumer reports

Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4 I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

PLEASE REMOVE ALL CLOSED ACCOUNTS LISTED BELOW. 

CLOSED ACCOUNTS : 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 not liable for this debt with XXXX XXXX. ( account # Account number XXXX as I have previously filed a complaint with Federal Trade Commission and Consumer Financial Protection Bureau due to Identity Theft because of Data breach. XXXXXXXX XXXX has reported collection on my credit report # Account number XXXX OPENED ON XX/XX/year> XXXX XXXX XXXX Account ending XXXX I DO NOT HAVE ANY CONTRACT WITH XXXX XXXX XXXX NITHER DID THEY PROVIDE ME WITH any Original contract with my signature on it with their COMPANY. PLEASE SEE ATTACHMENTS : REPORT FILED WITH FTC and I have also filed a complaint against them on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF MY PERSONAL INFORMATION BEING COMPROMISED THROUGH SEVERAL DATA BREACHES WITH XXXX, XXXX  AND OTHER CREDITORS WHICH HAVE LED TO UNAUTHORIZED ACCOUNTS BEING OPENED AND REPORTED ON MY CREDIT REPORT. PLEASE REMOVE THE INFORMATION THAT I HAVE PROVIDED IN THE FTC REPORT AS SOON AS POSSIBLE.
Product: Debt collection

I've been trying to re-establish my personal credit profile account by means of clearing of all the listed unauthorized charge offs on the account. The Debt that is under my name and credit profile is not my debt, as has sold and sent to a ( n ) debt collections company, therefor is automatically considered fraud As I'm the Original Creditor, there shall not be any means or reasons for me personally to have to pay back a balance that is already owed to me, according to Title 15 USC 1666d ( a ) ( b ) ( c ) - Treatment of Credit Balances. I have already attempted to remove the charged-off accounts on my profile before, through the CFPB, however there has been nothing done on the other end to remove these closed accounts from my credit profile so that I can then extend my credit as a consumer and creditor. Any attempted action or act to hold me up from my rights to exercise credit is unlawful, unjust and unfair. It is also brought to my attention while checking my personal credit profile that there are allegedly " late payments, '' however, late payments are illegal and also shall not affect the creditor/consumer for any means or by any means necessary, according to Title 15 USC 6802 - Obligations with respect to Disclosure of Personal Information, stating that a financial institution may not disclose nonpublic personal information to any nonaffiliated third party. In this case, the listed banking institute ( Navy Federal Credit Union ) has already sold the debt ( that originally is not owed by me in the first place, as I'm the Creditor ) to a third party debt collections institution, really making it illegal for me to have any obligation to this, and additionally I should not still be seeing these charge off accounts on my credit profile with late payments posted next to it. I should not have any, of this showing on my public records, that is, on my public profile. Therefore, I request that this all gets cleared by means of removal from my credit profile.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

In accordance with the fair credit Reporting act Care Credit has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I walked into XXXX XXXX XXXX ( XXXX location in XXXX FL ) with my husband. We were met at the door by sales rep XXXX. While looking around he told us about two credit card offers. A 5 year interest free offer and a 6 month interest free offer. I agreed to apply to the 5 year interest free offer. My husband and I didnt get approved for the amount we hoped for so XXXX suggested we apply for the second program. I told him I would not apply because I did not want two hard inquiries. He assured me that both programs are underwritten by the same bank XXXX XXXX XXXX and therefore I would only have one inquiry. 

After double checking the facts with XXXX, and agreeing to be considered for the 6 month interest free card, I then received an email alerting me of two hard inquiries. One from XXXX and XXXX from XXXX XXXX. XXXX, the sales rep insisted that it was the same bank. When I returned to the store a week later after receiving XXXX separate letters in the mail, I explained what happened to the store XXXX XXXX XXXX, he confirmed that the information my husband and I were provided was incorrect and that he would deal with the sales rep accordingly. He also apologized but said this was a corporate issue, not a store issue. 

When I called corporate several weeks later on XX/XX/XXXX, they told me this is a store issue, not a corporate issue. I spoke with XXXX XXXX at XXXX XXXX XXXX corporate who was unable to provide me with any substantial resolve. 

I now have an authorized hard inquiry on my credit report that the store refuses to write a letter on my behalf so that I can submit it to the credit bureaus and have the inquiry removed. This has been an extremely stressful and upsetting situation to say the least.
Product: Credit reporting or other personal consumer reports

XXXX only began to service my student loans in XX/XX/2023. At that time, XXXX erroneously reported my account 90 days delinquent which is not possible because XXXX became my loan servicer in XX/XX/2023. At the same time, EdFinancial, my previous student loan servicer erroneously reported my accounts 90 days delinquent which caused my XXXX XXXX to plummet XXXX points! XXXX accounts were reporting 90 days delinquent. Now, XXXX is reporting 60 days delinquent and current, which is also erroneous. 

EdFinancial is reporting 90 days delinquent and a XXXX balance because the account was transferred to XXXX. XXXX accounts should not report the same erroneous information. According to consumer protection laws, EdFinancial should be removed and XXXX should report paying as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 someone applied for 3 different credit cards. Capital One, XXXX XXXX and a 3rd that I can not remember. This was not me and I need them removed from my credit report.
Product: Checking or savings account

On XX/XX/2020 unauthorized charges on my account were made ( {$800.00} worth ). MoneyLion was notified within minutes due to my alerts on my account. I was told charges were pending and could not dispute. I had to go through my own cancellation of my card. It is now XX/XX/2020. There have been 17 calls made with multiple agents making up things on the phone. Called today and the agent didn't see my dispute until after almost a 10-minute hold. I still have multiple charges pending that have been then there for almost 30 days. 

They send dispute forms through SMS but want you to email it back to them. I had to email them 3x before they finally " got '' the dispute forms. Agents say it takes 20 business days to add a dispute credit. All that on top of them not allowing you to transfer money out of your own account. I have never had a banking experience this unsavory in my entire life. I just want my money back so I can move on to someone who cares about their customers.