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

Credit Inquiries filed were illegally submitted. Id fraud. Files ID theft with federal credit agencies. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX, XXXX XXXX XX/XX/year> XXXX Date XX/XX/year> XXXXXXXX XXXX XXXX Date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My original student loan servicer was XXXX. In XX/XX/XXXX, my loans were transferred to XXXX because I am taking part in the XXXX program. The problem is that my credit reports under all three credit bureaus are still showing my loans and loan account under XXXX as active. Because my loans and loan account with XXXX are now also showing up as active on my credit reports, this makes it look like I have twice as many student loans as I actually do. I disputed the XXXX loan account with Experian, and the result was that the servicer, XXXX, reported the account status as correct. I called to dispute with the other two credit bureaus, and was told that the outcome would be the same as my dispute with Experian. I also contacted XXXX when I first noticed this a few months ago, and they advised me to wait a month. I contacted them again a few months later, and was told the same thing. I contacted them for the 3rd time regarding this issue at the beginning of XX/XX/XXXX, and they changed their tune : they said that XXXX XXXX XXXX needs to contact the credit bureaus to report that XXXX no longer services my loans. I then contacted the XXXX XXXX XXXX Ombudsman mid XX/XX/XXXX, and opened a case. Last week, the results of the case came back : I was told to contact XXXX and open up disputes with the credit bureaus, which I already did ( I even explicitly mentioned this when I first spoke with the Ombudsman office ). I called the Ombudsman office again on XX/XX/XXXX, and was told that the result of the case was correct, and theres nothing that XXXX XXXX XXXX can do. I then called XXXX again on the same day, and was once again told to contact XXXX XXXX XXXX, even though I told them that I already did. Please help me resolve this so that my XXXX account can be marked as closed with all three credit bureaus. I dont know what else to do.
Product: Credit reporting or other personal consumer reports

I tendered a lawful payment in full amount of {$47.00}, XXXX to Nissan Motor Acceptance Company via certified mail on XX/XX/year>. It was received and return receipt was signed by representative on XX/XX/year>. Since then Nissan Motor Acceptance Company has refused to update my account to paid in full and {$0.00} balance. They have sent me an email correspondence acknowledging the inaccuracy of my account which I have provided. Pursuant to UCC 3-604 -Tender of Payment, Nissan Motor Acceptance Company accepted my payment for refusal is discharge. Nissan Motor Acceptance Company is in violation of FDCPA 's Title 15 1681 Permissible Purposes along with many of federal crimes. I demand my report accurately reflect a {$0.00} balance and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violating my FCRA rights and the credit bureaus are allowing them to report inaccurate information. This is for 2 loans that I have. A close date only reports on XXXX. There isnt any on Equifax or XXXX. The original contact was with XXXX XXXX. 

If this company doesnt remove the accurately report this or remove the account within 30 days, my attorney will file a lawsuit in XXXX County, GA for violating my FCRA. Equifax should remove because they violated all inaccuracies in XXXX. 

The last activity date on Equifax is XX/XX/XXXX but is XX/XX/XXXX on XXXX. No DOLA activity is shown on XXXX. The terms arent shown on XXXX. 

The other account shows XX/XX/XXXX and XX/XX/XXXX as the close dates. 

A high balance isnt shown on Equifax. 

In addition, a 90 days past due is constantly reporting on Equifax and XXXX. There shouldnt be any delinquencies after the close date. 

Also, why are there any 30 or 60 day late payments? Where is the payment history from XXXX until now? Shouldnt the account be removed from the first date of delinquency. If you check XXXX XXXX credit report there are delinquencies from XXXX which means this account should be immediately removed and not in XXXX. 

This historical information is incorrect and reports a past due amount and does not show history from XXXX. 

This account has many issues which can be proved in a court of law. Plus this creditor continues to validate inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows on my credit report that I open a new credit account with a balance of {$1200.00} from Citizens XXXX XXXX XXXX But I haven't open a new account
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I linked an egift card to cashapp, that day at XXXX the card containing XXXX was drained of XXXX dollars and left with XXXX dollar in the matter of a minute. I contacted cashapp on more than XXXX seperate occasions and I am still contacting cashapp over this. I filed a claim with the card company and I have filed a dispute with them and still I am waiting to hear back. Cashapp has ignored or blatantly been unhelpful and ignorant to the issue and avoiding all the direct statements I make. I will be filing a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed my active credit card that is XXXX XXXXXXXX. Please repost my credit card and update the payment history. They kept reporting old balance. 

XXXX XXXX XXXX I was telling them to remove the inquiries not the credit card. 

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

In XX/XX/2020 we had an issue with unfreeze my Equifax account, they made me call to obtain the unfreeze and then froze it again. 

We are doing this to try and obtain a loan. 

We once again tried to unfreeze the account with Equifax yesterday and again today. 

After going through all the steps once again, I was refused access and then called again provided all the verifiable information and even the representative could not give me access without supporting documents. Refuse to send the original documents since this credit bureau Equifax was hacked and is the only one out of the three that I have any issue with. I am able to access the other two without any hassle to freeze and unfreeze.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Amerassist for their failure to provide debt validation and their ongoing violation of the Fair Debt Collection Practices Act ( FDCPA ). Despite disputing an alleged debt with Amerassist and requesting validation of the debt as per the FDCPA, they have failed to comply with these requirements and continue to engage in harassing communication practices that negatively me emotionally. 

I initially disputed the presence of the alleged debt on my credit profile and sent a written request to Amerassist, requesting debt validation in accordance with the FDCPA, specifically 15 USC 1692g. Despite the statutory obligation to provide debt validation within 30 days of receiving my request, Amerassist has failed to provide me with any substantial proof of the debt 's validity. 

Furthermore, Amerassist has continued to contact me via text messages regarding the alleged debt despite their failure to validate it. This persistent communication not only violates the FDCPA 's provisions regarding harassment and unfair practices but also causes unnecessary stress and negatively impacts my credit score.

Additionally, I have explicitly requested that Amerassist provide proof of their ability to collect this debt in my state, as mandated by the FDCPA. However, they have failed to provide any documentation or evidence demonstrating their legal authorization to collect debts within my state. This raises concerns about their compliance with state-specific regulations and further undermines the validity of their collection efforts. 

The failure of Amerassist to validate the alleged debt and their continued harassment through text messages is causing significant distress and adversely affecting my credit score. I believe these actions are clear violations of the FDCPA and its provisions for debt validation, harassment, and unfair practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Amerassist for their non-compliance with the FDCPA. I also request that you intervene to ensure the removal of the alleged debt from my credit profile and the cessation of any further collection activities by Amerassist until they can provide proper validation and proof of authorization. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to address this complaint and protect consumers from the unlawful practices of debt collectors. I look forward to a resolution that upholds the rights and interests of consumers like myself.
Product: Mortgage

XX/XX/XXXX : Closed on rental home cash out borrowing : {$120000.00} with a mortgage company named NTFN, Inc.NMLS ID # XXXX XX/XX/XXXX : Mailed approximately 2 payments {$1500.00} using personal check. 

XX/XX/XXXX : Check mailed cleared my bank account. 

XX/XX/XXXX : NTFN letter dated stated serving of mortgage changing to XXXX XXXX, XXXX as of XX/XX/XXXX. 

XX/XX/XXXX : XXXX XXXX statement does not reflect payments of {$1500.00}. 

Mortgage sold and payments made to first owner/servicing company not posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 states a consumer reporting agency can not furnish an account without my Written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXXbut I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$370000.00}
Product: Checking or savings account

Opened a Santander business checking account and, after meeting all the requirements for the {$500.00} bonus, I called in. The agent I spoke to ( I recorded the call ) said that I had indeed met the requirements and I should expect the bonus in my account within 30 days. That was in early  XXXX . Today, I called Santander and they changed course and mentioned that the marketing team had put in my file that I had not met the requirements for the {$500.00} bonus.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

The lender is violation of RESPA and the clients right to counsel - the lender was request for legal challenges - the lender has yet to respond to our request of QWR sent XX/XX/XXXX, 5-day letters sent on XX/XX/XXXX and XX/XX/XXXX - A loss mitt package was submitted to the lender on XX/XX/XXXX and they still refuse to postpone sale for the review and response needed to our requests.
Product: Checking or savings account

DIscover Bank has me listed as account abuse which hinders me from opening any kind of account. They also have about 15 inquires of me trying to open an account with them which is ridiculous becaude why would i want to bank with them after they said i abused ther account, i even had a credit card with them, There also a lot of inquires with banks that i had never tried to open an account with in my life. I belive someone is using my information to try and open these accounts. I cant even get a simple checking account. please someone help me re solve this. my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. Criminals had all my personal info. through XXXX data breach and on XX/XX/XXXX Criminals swapped my cell phone number to their devices and start frauds under my name. XXXX XXXXXXXX credit card was opened XXXX XXXX, XXXX under my info. and I called XXXX XXXX on XXXX XXXX when I realized the situation after I had my police report on XX/XX/XXXX. The XXXX XXXXXXXX agents told me nothing to worry since they already cancel the fraudulent card. And I confirmed with them repeatedly anyway, every time they assure me that the card has been cancelled and I have nothing to worry. After 1 month or so, I noticed there was a significant balance on my credit report with a XXXX XXXXXXXX credit card. And I start disputing with XXXX XXXX. I submitted documents and police reports to different supervisors since I have to call them over XXXX times about the issue, and every time the different supervisors gave me different requirements. I tried my best to follow and wish they will take care of this issue carefully since I am the victim and it is so obvious. All my other financial frauds with other banks/credit cards have been solved without any problem. But, XXXX XXXX insist I should responsible for the fraud and won't tell me the reason. It has been a very unpleasant experience with XXXX XXXX. It is the first credit card issuer I called to warn the identity stolen and I was assured by their agents, but it turned out XXXX XXXX never take care of it and put all the responsibility on the victim without any reason. 

And I started disputing this fraud on XXXX file number XXXX Data issued XX/XX/XXXX and Experian Report # XXXX on XXXX XXXX with all the supporting documents, but the XXXX/experian did not work this out, they insist XXXX can't remove it since XXXX XXXX doesn't remove it. All the experience is bad and XXXX/experian supposed to be a third party not work for XXXX XXXX, they should have their own investigation and contact me whatever needed to support my case. 

I am the victim and I have all the supportive documents. 

CFPB is the last step I can take to protect my rights, I am the victim and I believe there is justice, one should not responsible for something not done by him. And XXXX credit report significantly hurt my credit score and my financial life, I am looking for law help to protect my own right. And XXXX need to correct the credit report immediately.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm is charging me for a XXXX XXXX XXXX purchase I allegedly took a loan for on XX/XX/23. I never took this loan. I saw online that many people have complained of unauthorized XXXX charges through Affirm. Please help. Affirm keeps charging my debit card. 
Thank you
Product: Credit reporting

This is a complaint against equifax due to the fact that I have contacted them via phone and letter to have some inquiries deleted off of my credit report. I received a response from the credit agency that the inquiries are factual and that they will remain on my report. The Hard inquires in question are XXXX, XXXX, Off lease only ( 2 times ), and XXXX. I am filing this complaint in order to assist in correcting this matter ( removing the unauthorized inquiries ) from my report so that it can reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time that I dispute this item with the credit bureaus, Exeter Finance makes updates to my accounts resulting in a credit score drop of 20+ points or more. During my last dispute that illegally re-aged the account by changing the date of first delinquency resulting in a credit score drop and as of today they have changed my payment history to reflect serious delinquency resulting in my XXXX score dropping XXXX points. The account has been closed for over 2 years and sold over a year ago. Quite honestly, I'm sick of them and the petty games they play every time I exercise my right to challenge INACCURATE items on my credit report. Their actions are illegal and if I must keep enduring their attacks every time I challenge their INACCURATE reporting, I will have no other choice but to issue a notice of pending litigation seeking relief and monetary damages under the FCRA Section 616 & Section 617. 

On XX/XX/2019 I was 30 days late on a payment. They changed it to 60! How could I be 60 days behind when I was in good standing on time, the prior month? After XXXX, the subsequent months were then changed until i was " 120 '' days behind in XXXX. THIS IS FALSE REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an ongoing issue with XXXX, Experian, and XXXX that has been going on for well over a year. XXXX, Experian, and XXXX are reporting a bankruptcy on my credit report that is clearly unverified. I have disputed the egregious information as well as sent documentation supporting my claim as to why the information should be deleted from my credit report. I have also filed previous Consumer Financial Protection Bureau reports and XXXX, Experian, and XXXX continue to report the information as accurate and verified. At this point, it is evident that either a proper investigation is not being performed or they are being willfully negligent. XXXX, Experian, and XXXX are in violation of XXXX. XXXX ( XXXX XXXX. XXXX ) and I am requesting that the information referenced in this complaint be deleted immediately from my consumer credit report.
Product: Credit reporting or other personal consumer reports

m not liable for this debt with XXXX 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  ). I do not have a contract with XXXX card, XXXX. XXXX, XXXX, and XXXX. They did not provide me the original contract as requested. There needs to. be a correction to my credit report. I demand that this item be removed immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting or other personal consumer reports

Ive reached the point of sheer frustration with the persistent inaccuracies on my report. These errors are more than a nuisancetheyre lowering my score, damaging my credibility, and limiting my future. Its exhausting to keep dealing with the same mistakes over and over.
Product: Debt collection

I have contacted Transworld Systems Inc ( TSI ) to dispute a XXXX XXXX bill, and they sent me the paperwork to dispute the bill. I filled the paperwork on XX/XX/XXXX and returned it back to XXXX XXXX. I followed up with TSI, as instructed on several different occasions : XX/XX/XXXX, XX/XX/XXXX & XXXX speaking with various different agents there, including XXXX XXXX and XXXX XXXX, each time receiving a different story about the status of the debt. I was told that once that XXXX XXXX mailed out paperwork regarding the dispute on XX/XX/XXXX. By XX/XX/XXXX, when I had not received it, I called and was told that someone was going to look into it, and call me back with an update, that they need to reach out to XXXX XXXX. I asked if I should call XXXX XXXX, and was told that they will not be able to help me, and they would just send me back to XXXX, since the account was in collections. I never heard back, then I called back again on XX/XX/XXXX and then got a completely different story, that XXXX XXXX hadn't sent out anything yet, and that no one basically knew what was going on, and I keep getting the run around. The debt is not mine, I have provided all the requested paperwork and have confirmation of the fax being received. I would like this debt removed from my credit report. I submitted more than 1 dispute for this account, only to ever receive dispute paperwork. I have asked for the written contract for this debt. I have requested that if they do not have the proper documentation that they remove this immediately, under Section 611 ( a ) ( 5 ) ( A ) ( i ). A final bill from the original creditor is not verification. Please assist in this matter. I also received a call from a XXXX number, and was told that it was in regards to my dispute on XX/XX/XXXX. When I called that number back, it was a sales call for utilities at a lower price. I believe that was my information was sold or compromised because they specifically referenced my account with TSI and the dispute. I did bring this up on the call to Ms. XXXX, when I spoke with her on XX/XX/XXXX. This has been going on for nearly 2 months now and I just would like help to get this issue resolved. 
Thank you!