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

I disputed XXXX dismissed bankruptcies on my Equifax credit report and they were removed, on XX/XX/XXXX I applied for a car load thru a XXXX car dealership and they pull Equifax. Report came back with a great score but it showed the XXXX bankruptcies, XXXX inquires that were also removed XXXX month 's ago and employers i also had removed off report. On the Equifax site all those items have been removed, I then went to XXXX XXXX and that report showed XXXX inquiries and XXXX bankruptcies also, I then bought a XXXX XXXX report and all Equifax XXXX was blocked. I have a XXXX XXXX credit card and I applied for a limit increase and was denied due to bankruptcy on Equifax report. Equifax has to fix this reporting problem to match their site that shows the removed accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX/XXXX # XXXX, XXXX  XXXX  XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report .Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to demand intermediate removal of fraudulent accounts listed in attachment from my credit report. Despite previous disputes and lack of verification provided, these accounts have reappeared on my credit report, Which is both unacceptable and violation of the Fair Credit Reporting act ( FCRA ). As Per the FCRA, credit reporting agencies are required to verify the accuracy of any disputed information and provide supporting documentation. To date I have received no proof that the listed accounts ( see attachment ) are valid, and I maintain these accounts are fraudulent, opened without my knowledge or consent. Please consider this my formal demand for removal of these accounts an investigation into how they were " verified '' without providing any documentation to me. Please provide me with a detailed explanation of the steps taken to " verify '' these accounts, including any documentation you received from the creditors claiming this debt is valid. Without proof of verification, these accounts must be removed immediately and permanently under the FCRA.
Product: Credit card or prepaid card

I have the Bank of America Travel Rewards Visa card. 

There is no annual fee. 

I pay my card in full before the Due Date every month and therefore pay zero in any interest fees. 

However in the last three statements : XXXX, XXXX, XXXX I have illegally been charged a {$1.00} fee on the XXXX of each of these three months, despite the fact that I was assessed {$0.00} fees for any interest. 

I called and complained to Bank of America and after 20 minutes of back and forth and being put on hold each time with some ridiculous explanation which CLEARLY is a violation of the card stipulations that states : Here is the excerpt from the contract : Minimum Interest Charge If you are charged interest, the charge will be no less than {$1.00}. 

Therefore, since I dont pay ANY interest, this CAN NOT apply. 

My concern is not the small about, rather the EXTREMELY fraudulent actions of Bank of America, which I am certain is being perpetrated against the millions of people who hold this card and most likely any Bank of America cards or other financial products as this is a charge deliberately entered into their computer system and then assessed automatically. 

Please research all of Bank of Americas abusive practices along with those of other financial institutions which may also be engaging in these types of fraudulent thefts. 

{$1.00} is small enough for most people to ignore, but multiplied by the millions of accounts is on a massive order of magnitude. 

Thank you all for the vitally important work that you do.
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 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding their handling of multiple disputes I have submitted concerning inaccurate information reported by the consumer, XXXX XXXX XXXX. Despite advising TransUnion several times that the information they are reporting is inaccurate, they have failed to update the information accordingly. 

Over the course of these disputes, TransUnion has acknowledged receipt but has not taken appropriate action to correct the inaccuracies. Additionally, I currently have an active dispute open, but I am unable to access or review this pending dispute. When I reached out to TransUnion for assistance, they confirmed the dispute was open but did not provide any means for me to view its status or attach supporting documents to substantiate my claim. 

Due to the number of disputes I have filed and TransUnions continued failure to report the information correctly, this has caused me significant life challenges. I am being denied housing opportunities based on inaccurate credit information and have limited access to essential resources. These inaccuracies are creating an ongoing crisis in my life, making it difficult for me to secure stable living conditions and move forward. 



Disputed XXXX Transunion verified information as accurate when it was not accurate which caused my score to drop Disputed XXXX- Transunion denied dispute and kept information as accurate Disputed XXXX - Transunion denied dispute and kept information as accurate Disputed XXXX  - Transunion denied dispute and kept information as accurate Disput Called XXXX XXXX acceptance to update information to credit beauras on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Updated and then reversed update and it effected credit neg XXXX XXXX XXXX XXXX Adjusted my balance from XXXX to XXXX when the was incorrect the company recieved a bulk check of XXXX due to the car being totaled. 

The company has also stated in a attached letter of complaint my accurate amounts but still submitted false information about payments and how many payments have been made Transunion or XXXX XXXX acceptance is NOT updating information, the last reports from Transunion from the company was in XXXX  and they have not updated since.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Unlawful Negative Items on Credit Report I am writing to formally dispute the negative items that have been placed on my credit report by Experian, which I believe were reported unlawfully and without my consent or a written agreement. 

Upon reviewing my credit report, I noticed several negative entries that I do not recognize and were not authorized by me. These entries have had a detrimental impact on my credit score and overall financial standing, which I believe is both unfair and in violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting an investigation into these items and a thorough review of the documentation that Experian has regarding these entries. Specifically, I seek to understand how these negative reports were generated and to confirm that proper authorization was obtained prior to their placement on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. I have taken the necessary steps to contact Experian directly regarding this matter but have not received a satisfactory resolution. Therefore, I am reaching out to the CFPB to assist in rectifying this issue. 15 U.S.C. 1681 Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

My boyfriend was admitted to XXXX XXXX hospital in XXXX of XXXX, they never sent us a bill then billed all of his services as out of network. We asked for this to be corrected and they assured us that the situation would be resolved. Today they have NEVER sent us a bill only print out with a list of the charges and a statement showing that this is not a bill. They then turned the account over to a collection agency Accelerated Collections. We again repeatedly asked for a bill as we had never received XXXX and were told that XXXX had been sent. We supplied them with what was sent to us clearly showing that the it read this is not a bill. When we initially asked for a payment arraignments they said no. In XXXX of XXXX they finally agreed to a payment arraignment. They had also added my name to his account even though him and I are not married and they were told this several times. They also have no reported this on to my credit report and a joint debit that was never mine to begin with. They also refuse to present a settlement offer to the original debit holder for approval.
Product: Mortgage

I have a mortgage through PHH ( account XXXX ) and I have fallen behind on payments due to my nasty divorce. I communicated with PHH trying to obtain some relieve to no avail. Case Manager was XXXX XXXX. I filled paperwork out twice and heard nothing back until they started talking foreclosure. I finally was able to borrow funds to cover the past due amount of my mortgage and when I tried to pay PHH multiple times during the past XXXX to eight weeks, they kept referring me to a law firm XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX. I tried communicating with the law firm several times XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ; XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX was no help as all she said was they were waiting on mortgage company to provide figures. XXXX XXXX said he would e-mail information when he received it and I received it on XXXX/XXXX/XXXX. I called PHH on XXXX/XXXX/XXXX and spoke to XXXX, a manager. He said the attorneys office have had the figures since early XXXX and tried to do a XXXX call with the Law Firm.. He advised that records indicated they sent me a letter with the figures about three weeks ago. I advised I never received the letter and requested they resend the letter. I still have not received the alleged letter. 
As mentioned above, the Law Office kept telling me to wait till I received a letter from them. I informed them I was trying to pay and still received same response. I received an email at XXXX on XXXX/XXXX/XXXX stating what I owed ( this amount with wording used was ambiguous at best ). They have included in the amount owed almost {$3000.00} in foreclosure fees. The letter was dated XXXX/XXXX/XXXX and gave me XXXX that same day to remit total payment addressed in that letter along with any additional monies that may be owed as I was directed to call attorney office for solid amount owed. This is unacceptable. It appears that they have employed delay tactics in order to charge me the foreclosure and attorney fees. I want to bring my mortgage current but feel it is not right having to pay the foreclosure and or attorney fees since I have been trying for 6 plus weeks to pay this current and have received the run around and conflicting information from PHH and the attorney firm they hired. Please help.
Product: Checking or savings account

Opened a new account last year with the promotion to earn {$250.00} after depositing {$2000.00}. Opened the account and never received the opening promotion.
Product: Student loan

I took out a private student loan with a co-signer with NATIONAL COLLEGIATE STUDENT LOAN TRUST back in XX/XX/XXXX. Since then in XX/XX/XXXX I received summons for motion of judgement by default filed against me in XXXX County GA. The judgement was granted XX/XX/XXXX, even though I responded and contacted the company directly attempting to make payment arrangements. In XX/XX/XXXX the NATIONAL COLLEGIATE STUDENT LOAN TRUST went to XXXX County GA to file for garnishment with my employer and since then my wages have been held. I filed for a traverse which was temporary granted and now I 'm in need of getting the Judgement set aside due to fact the original Motion of judgement never included the co-signer nor The Plaintiff state the date the contract was breached or otherwise not complied with. Plaintiff also failed to mitigate damages by failing to take reasonable steps to reduce or minimize the damages experienced. The Plaintiff is seeking to recover more than entitled to recover in this case, and award of the judgment sought by the Plaintiff would unjustly enrich the Plaintiff. I am a single mother and this garnishment has created an extreme hardship upon me and my family.
Product: Mortgage

BMO Harris Bank in Wisconsin called me today. The collections dept representative claimed that the mortgage was overdue by 3 months. This issues has been previously resolved twice. The account was set on auto payment. It is a variable rate. The payment increased by {$1.00} and the auto payment failed to make the adjusted monthly amount. The system they use then automatically claims the account has not been paid. The technical errors were corrected. Then it happened again, the apparently do a system restore and all the past problems are brought back. I received a call today stating the account was overdue etc. It is not overdue. The account has been paid in full each month. This bank does not pay a living wage and they can not find technology specialists who would work for them. Then bank has widely been reported to have paid XXXX dollars in fines already for criminal behaviors with customer accounts. Outside professional peer review of their failure to perform customer services summarizes this complaint. This mortgage was a predatory lending exploitation and we are considering hiring a major law firm which can run TV ads and invite others who were exploited by predatory loans to come join a class action suit. Fines seem to have no effect on the business practices of this financial institution.
Product: Credit reporting or other personal consumer reports

I received a credit alert that Capitol One pulled a credit report today, XX/XX/2023. I have not authorized Capitol One to pull my credit report NOR have I applied for a credit card or loan from them. 

I've called all three credit report companies : XXXX, XXXX, and XXXX to freeze my credit reports and to report the fraud. 

I called Capitol One who said they don't have a credit card open in my name or social security number. I asked why they pulled my credit report. They said they had no idea and that I should alert the credit reporting agencies. 

The credit agencies tell me I need to have Capital One send them a report that says it was unauthorized so they take this off my credit report. 

This is a circular issue, and I need the action to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to agent is noticed to principle notice to principle is noticed to agent this is to inform the CFPB once again to do a proper investigation on the companies that I have mentioned in my Previous Disputes XXXX  XXXX/ XXXX/ XXXX XXXX XXXX XXXX XXXXThe Department of Education Which is sold my information without my consent The List of accounts below has violated. my federally protected consumer rights to privacy and confidentiality 15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX XXXX has not provided the consumer the documentation requested contracts wet signature showing I have an obligation to pay this debt The Department of Education federal student aid XXXX XXXX XXXX XXXX XXXX XXXX XXXX There has never been a late payment neither a Balance on this account this is a fraud between all the companies. 
that I have mentioned they has been selling my information without my consent I have the right of privacy Under 15 U.S.C 1681 section 602 A. States I have the right to privacy also this is a criminal act. 
15 U.S. Code 1611- Criminal liability for willful and knowing violation in another word.

18 U.S. Code 894 - Collection of extensions of credit by extortionate.this is to inform the CFPB That's as an American and the information the XXXX XXXX had provided to the consumer is not frivolous either fraud or schemes This the Law this is my understanding As an American,31 U.S. Code 5118 - Gold clauses and consent to sue ( 3 ) Except. As a corporation there's rules and regulations that XXXX  XXXX need to follow and by you mentioning that you do not recognize these claims as valid under state or federal Incorporated which makes you a franchise You are required to follow rules and regulations under the commercial code 3-303. VALUE AND CONSIDERATION And with all the respect that you deserve UCC-1 308 A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as without prejudice, under protest, or the like are sufficient Under the Commercial code that you need to go by by Since I have addressed this issue directly to XXXX XXXX / UCC 3-414/ UCC 3-415 This account has been paid in full by money order directly to XXXX XXXX I have been addressing this issue since XXXX The information that you sent does not apply to me I never took those courses of graphic design I took XXXX  and XXXX XXXX  and those courses cost me {$3500.00} for 6 months, which I never received a XXXX neither a XXXX XXXX XXXX by XXXX XXXX XXXX. Which at the time I took because in order for me to proceed with the course I needed to be a XXXX  from XXXX XXXX I am providing the notice of loan guaranteed disclosure statement that was provided from XXXX XXXX in XXXX When this loan was assume to be paid I am holding a cannibal for the missed proper treatment and handling and damages XXXX XXXX and all franchise companies so called federal student aid.
Product: Debt collection

I just bought a house in XX/XX/XXXX. My credit score was ran in XX/XX/XXXX my score was XXXX. When I went to get a car loan i was told someone recently reported a collection for {$400.00}. This was already on my credit score from XX/XX/XXXX this dropped my score down to XXXX. I was never made aware of this being recollected. I was never contacted to make a payment or asked to settle. I have made numerous attempts to call them and get the issue corrected or pay the balance but my calls go unanswered and unreturned. I have even attemtped to email and nothing has been done. Link Revenue Service has yet to call me back for settlement. Please take this off my credit report along with the bill fro medical placed for collections since they were bought out by Link revenue I ca n't pay them either. This is cauing serious issues for me financially.
Product: Student loan

My husband and I sent a check to Mohela to pay off my student loan in full ( approximately {$140000.00} ). The envelope contained the proper letter with my loan information and the check with my account number and name included on the memo. They deposited the check on XX/XX/XXXX. It cleared our account and was not returned. The deposit was never applied to my account. My account balance was not adjusted but my payments went to XXXX and my past due went to XXXX. We assumed they were processing the payment as they said things were taking a long time. They have now resumed asking me to make payments and can not locate the check we sent even though we have provided them with the endorsed check and our bank account statement indicating it has not been returned to us. I have been placed on hold for hours when I asked to speak with a supervisor. They do not return phone calls when the phone call is dropped even though they say they will. This is unacceptable.