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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2.00}
Product: Mortgage

I called to get information on my loan because I refinanced and could no longer see my account. The two individual could not tell me so with the first one I asked to speak with a supervisor or a manager and she told me there were none. I told her I was not born yesterday and the she told me the supervisor went on break so I hung up. I called back and then another person who was a loan officer had no clue of what was going on either so then he connected me to servicing department. This person was able to help me I think. This is not the only problem I have had with his company this is why I call to check on things. I think they are taking people for their money and this is why I refinanced. I am reporting NewRez Mortgage because I do not want this to happen to others that may not pay close attention or that do not know much about mortgage loans.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : My name is XXXX XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. My cell phone number is XXXX. 

I am writing to file a complaint against XXXX credit bureau for maintaining inaccurate information in my credit file that I have disputed multiple times. There are incorrect hard inquiries from [ names of creditors ] dated [ dates ] that I did not authorize. 

This inaccurate information is damaging my credit score and violating Section 15 of the Fair Debt Collection Practices Act and Fair Credit Reporting Act regarding false representations of information. 

I have disputed these unauthorized hard inquiries with XXXX in writing on [ dates ] but the information remains unchanged. XXXX has failed to reasonably investigate per the FCRA and has allowed misleading information to stay in my file. 

I request the CFPB immediately open an investigation into XXXX for potential legal violations and require the inaccurate information be corrected to prevent further harm. Please contact me at the number above to discuss this complaint and appropriate resolutions. Thank you. 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) and ( 15 USC 1681b ( a ) ( 2 ) ) that the XXXX, XXXX and Equifax along with all applicable furnishers receiving this notice, 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 multiple accounts I did not authorize or give express written consent to be reported on my consumer report. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the accounts in question along with a copy of the consumer XXXX  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 Complaints as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Accounts/Numbers 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 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  Public Record- Chapter XXXX bankruptcy discharged
Product: Credit reporting or other personal consumer reports

You, Transunion LLC Consumer Credit Reporting Agency are furnishing inaccurate and incorrect information that is in violation of 15 U.S. Code 1681, 15 USC 6802, Privacy Act of 1974, 12 CFR part 1022, and the Consumer Financial Protection Act ( CFPA ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for my personal and household uses. You and your inaccurate reporting have damaged my livelihood. Not only that, Transunion LLC has no operating jurisdiction in United States of America or to its citizens and if so show proof of jurisdiction and show proof of my wet signature giving consent or authorization. I am a human bodily flesh, who is not part of the United States XXXX XXXX but I am a United States of America non XXXX XXXX ; who you are imposing on and i do not consent or authorized to contract with XXXX or any of its subsidiaries. XXXX
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and it is showing multiple inquiries from Navy FCU and I don't know why. I have not inquired any new credit or tried to so I am asking for these inquires to be removed from my report. it is inaccurate and needs to be removed according to 15 USC 168 ( 5 ) the following are Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have received harassing calls from companies/organizations claiming to be associated with XXXX XXXX XXXX regarding my current cable account. The numbers they call from are different but I most often receive calls from ( XXXX ) XXXX. Ive received the most recent calls and voicemails from this number on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; however other calls and voicemails have come from different numbers for the past year making the same claims. 

The most recent calls have been from ( XXXX ) XXXX. These calls occurred on XX/XX/XXXX and XX/XX/XXXX. Ive spoken to these people, who have hung up on me numerous times when I state how uncomfortable I am when I refuse to share personal information. They state that I have an unresolved debt with my current cable company. 

I have called my current cable company, as well as logged into my online account and its been confirmed numerous times that I have a {$0.00} balance. 

The numbers that call me often call after normal business hours and use harassing language and threatening tactics. They have threatened to continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to a Bank of America Credit Card ( XXXX ) that still is being reported by the Credit Bureau that it still has a balance owed of {$8400.00}. I filed a Chapter XXXX on XX/XX/XXXX, because of lost income and could not keep up with my payments to Bank of America. This debt was named in my filing and my Bankruptcy was XXXX on XX/XX/XXXX. I have made several attempts to dispute this inaccuracy, without resolution for almost five years. I applied for a mortgage in XXXX of XXXX and they informed me that I still owed Bank of America for this credit card. After their internal investigation and me giving them my Bankruptcy Account Order number ( XXXX XXXX  ), I was able to get approved for the mortgage. However, this particular situation continues to be a major problem whenever I want to apply for credit. Most recently I applied for a personal loan and the Loan Officer stated that I owed Bank of America and what was the reason the balance was still outstanding. I had to supply him with my Bankruptcy XXXX  paperwork that included the liquidation of this debt from the credit card. I need assistance in getting this problem resolved immediately, it continues to haunt me and is a great distraction and embarrassment as I move forward to rebuild my credit and life. 

Thanks, I can be reached via email at XXXX or by phone at ( XXXX ) XXXX.
Product: Checking or savings account

On XX/XX/2024. I was a victim of fraud. I I called Citibank to report the fraud on my account. They told me they would investigate the problem. I had a wire transfer from the fraud that they said they would refund back to my account within 24 to 48 hours as it was still pending for {$2000.00} plus a {$25.00} wire transfer fee.When I called back, they told me they were still investigating. I would not be getting the funds back because the transfer had gone through! At a later date on XX/XX/XXXX they informed me that I needed to go to a bank branch and open up a new checking account which I have done. Around the XXXX or XXXX of XXXX, 2024 they told me to go back to a branch and that I could have the {$2000.00} Plus the {$25.00} wire transfer fee put back into my account from a teller from my bank. When I got there I informed the teller that they told me to come to a bank to refund the money {$2000.00} plus the {$25.00} transfer fee. They told me that they could not do it. That the funds had not been released! When I return home, I tried to call the bank again, and they told me that the investigation was ongoing as the transfer had gone through with a bank in XXXX! There is also a transfer from my overdraft line of credit for {$550.00} to my regular checking account I did not make because the scammers took that money out of the account now theyre charging me for that on the overdraft protection as well! I need that returned as I did not make that transfer! I was in the XXXX and going through XXXX, I feel that this was just a runaround to get me off of the phone. I would call them every day to see how the investigation was going. The final call I believe was on the XXXX or XXXX of XXXX and then they informed me that the money was not in the XXXX bank and that they could not return my {$2000.00} plus the {$25.00} Wire transfer fee. I can not afford to lose {$2000.00} plus the {$25.00} wire transfer fee. I am on XXXX until I go back to work and I really need that money back! There was more fraud charges on the account which they did refund, but they would not refund the {$2000.00} plus the two {$25.00} wire transfer fee! Also, every time I called, they just kept switching me from department to department. Nobody knew what they were doing at the bank when I finally spoke to a lady named XXXX in the wire transfer department. She had no empathy and just told me they could not give the funds back. I also asked her to send me all the back up from this account so that I could turn the information in With the complaint! I also asked her to ask her manager to call me back, which I am still waiting for a call and I am still waiting for the paperwork to be mailed to me! The account number that Im going to give to you is the old account number which they have closed!
Product: Debt collection

Company : IQ DATA INTERNATIONAL is reporting a collection in the amount of {$5600.00} reported on XXXX.I never signed a contractual agreement nor did I open this account. I filed police report as identity theft. ( see attached )
Product: Student loan

I was laid off due to Covid-related issues. I called Navient on XX/XX/2022, regarding my private loan and was told that I could put my account in forbearance until early XXXX due to my situation. I paid {$150.00} to put my account into forbearance. Then I called back in the first week of XXXX XXXX XXXX  and told them that I would be unable to continue paying for forbearance because I was still job searching and still unemployed. I asked them if I could get income-driven payments or receive any kind of support program due to Covid-related issues and they said no, that it wasnt even an option but that I had three months AFTER XXXX before my before my account became delinquent so I had a little bit of time. It is XX/XX/XXXX, not even a 1.5 months later, and I looked on my credit report, and my student loan accounts are delinquent. I looked over the fine print of the late notice that Navient sent me ; it says nothing about the DATE for which delinquency would start even though I was very clearly verbally given a 3-month window. ( I am pretty sure Navient has this conversation recorded for their records. ). Navient clearly does not care to give me options to help me during this difficult time, and they also gave me false information, and now it has very adversely affected my credit score.
Product: Credit card or prepaid card

On XX/XX/2018 Capital One for the second month in a row did not credit my payment. I pay thru my bank online and pay on the same day as the bill is received. Capital One was the only creditor that did not seem to be able to post my payment on time. I closed the account via the telephone call. I was very leary that the amount they wanted was correct however I paid what they asked and told them I wanted a full accounting. I talked to them many times about a check for {$100.00} and a check for {$20.00} They never gave me a full accounting and when I tried to cash the {$100.00} check they stopped payment on it causing bank charges and still have not received a full accounting on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity thief someone got my information and used my credit cards and buy lots of stuff when I found out I called the company XXXX and XXXX  to report the activity and I was still paying my bills until they closed the account and still wanted me to pay for something I didnt use
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to report inaccurate information on my credit report on XX/XX/XXXX and again XX/XX/XXXX of this year. I disputed my name being reported inaccurate on their report. My name is being reported as XXXX XXXX which there are 35 people of the same name in the state of California and more nationwide there's even one that's a XXXX XXXX driver. Because of this fact and the rise in identity thief I chose to report my name as on my birth certificate and social security card and drivers license. 

That name is XXXX XXXX XXXX. That name is also on my business documents fort my company XXXX XXXX XXXX, also with my association with XXXX XXXX XXXX ( a youth basketball association ) There has been occasions to abbreviate my middle name but never exclude it. 

I sent copies of my Driver 's License, Social Security Card and bank statement. 

The FCRA states that the information reported on my report should be accurate. I applied for credit and was told that my name did not match the name I applied versus the name being reported by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX , Santander Consumer USA and XXXX XXXX XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Product: Credit reporting

I found out from XXXX and experian and XXXX that this company had me signed up for services since XX/XX/XXXX-XX/XX/XXXX which is suppose to be owned by Experian they have ruined my life for the last 8 years I ca n't even get a credit card mortgage auto utilities etc I have severe health issues and the emotional damage they have caused me and my XXXX kids is indescribable and we have been hungry poor sick homeless helpless also in dangerous situations
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to both TransUnion and XXXX of a fraudulent derogatory mark from XXXX on my credit report. I disputed the mark and both reporting agencies ruled it meets their standards. I have tried to speak to someone on the phone about the issue with both agencies to no avail. This is not my XXXX account, I have XXXX and I'm still in good standing with them. I need to remove this from my credit because Im not paying for a XXXX   account that I've never owned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 

XXXX XXXX XXXX SERVICES - XXXX XXXX XXXX XXXX XXXX SERVICES XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX BANK XXXX XXXX CHILD SUPORT XXXX/ XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy. 

XXXX XXXX XXXX section A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

On or about XX/XX/XXXX I called US bank line of credit to know why I can not borrow from the line of credit, even though the line of credit showing {$1500.00} of credit line. The associate I was on the call with, confirmed US bank is accepting only payments from me. borrowing option is closed. After the call, around tow or three business days the account was reflecting what the associate was saying, {$0.00} available to borrow. So this appears US bank actually closed my account without letting me know. US bank used to say in the Ad, that they are the most ethical bank. Well, this is unethical and deceiving if you did not let me use the account and accruing interest and fees at the same time. I believe it is because of no financial institution can charge or add interest on a officially closed account. Also talked about a one time {$20.00} fee amnesty. The associate assured it would be reflecting within 48hours, which never happened. This is unethical. Thanks.
Product: Credit reporting or other personal consumer reports

" I am reporting unauthorized charges made by XXXX XXXX on my credit card accounts with American Express, [ Other Credit Card Name ( s ) ], which have negatively impacted my credit score, despite my efforts to dispute and resolve the issue. '' 1 ) Account Info Account Name AMERICAN EXPRESS Account Number XXXX Account Type Credit card 2 ) Account Info Account Name AMERICAN EXPRESS Account Number XXXX Account Type Credit card 3 ) Account Info Account Name AMERICAN EXPRESS Account Number XXXX Account Type Credit card 4 ) Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Urgent Request for Investigation into Unauthorized Credit Card Use Dear SIR, I am writing to seek immediate assistance regarding unauthorized transactions made on my credit cards after my wallet was stolen. These unauthorized charges, made without my knowledge or consent, have severely damaged my credit score and affected my life profoundly. 

I have already reported the theft and disputed the charges with both the credit card companies and credit reporting agencies. However, the issue remains unresolved. I can not understand how these transactions occurred or why I am being held accountable for charges I did not authorize. 

This situation has caused me significant emotional and financial distress. I urgently request a full investigation into how my cards were used without authorization and a resolution to remove these charges from my accounts. 

I am pleading for your help to rectify this matter. Please treat this as a priority, as it has significantly affected my ability to manage my finances and maintain stability. 

Thank you for your immediate attention to this urgent issue. I look forward to hearing from you soon. OTHERWISE I HAVE NO WAY TO PAY THEM OFF OR I WILL NOT BE ALIVE ANYMORE BECAUSE OF THIS FRUSTRATION. I NEED MYSELF TO BE OUT OF THIS AT ANY COST. I HAVE TRIED TO COMPLAINT BUT NO ONE IS RESOLVING MY ISSUE. PLEASE PLEASE PLEASE FOR XXXX SAKE, HELP ME. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX XXXX XXXX in XX/XX/XXXX. In XXXX of last year, I requested a payoff amount. The company provided a payoff amount MORE than what was shown as currently due. When the company was questioned, they claimed it was inaccurate because there were payments pending. Once again, I requested a payoff notice. 
On XX/XX/XXXX, my current balance was listed as {$9000.00} with NO pending payments. When the company provided a payoff letter on XX/XX/XXXX, the amount due was {$9100.00}. With no pending payments -as this was their excuse last time- I asked why there was a difference in the amounts. The company claimed *this* difference is because per diem interest was added. By their own word, Per Diem is {$4.00}, but {$120.00} was added to my balance ON THE SAME DAY THE PAYOFF WAS REQUESTED. 

Their online portal also charges double fees and the company does nothing to fix this issue. This company is predatory and blatantly lying to consumers.