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

On XX/XX/XXXX I took delivery XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX in XXXXXXXX MA. The sales person drove away with my XXXX XXXX and I thought the transaction was done. 
At the beginning of XXXX, my banker called me to tell me I was on the overdraft list. It turns out XXXX XXXX had never paid off my loan. 
When I called to inquire, they accused me of not replying to them with payoff information. Payoff information was provided 3x in order to conclude the financing. 
When I reported it to XXXX ( case number XXXX ) they found that the dealership had mis-entered or left blank my contact information. I requested payment for the overdraft charge and additional interest, and this was received. 
The loan was finally paid off with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I entered the XXXX XXXX of XXXX on XX/XX/XXXX and spoke with XXXX. I asked if a conversation could be had to get back the 2.9 % interest rate that I had enjoyed with the bank prior to payoff. ( My rate with XXXX is 6.5 % - due to a bankruptcy 10 years ago, I always pay a higher rate until I refinance ). I was told I had to reapply and the loan would now be at 17 % based on my credit score which dropped 70 points due to the inquiries done by XXXX and their failure to payoff my loan. 
I continue to monitor for this to be reported, but as of today, 20 days later, it has not. I have been working hard on my credit and income the last year and a half to purchase a house, and now those plans are on hold until I can get back to the 700+ score I had before.
Product: Mortgage

I am disputing the Foreclosure on my property at XXXX XXXX XXXX XXXX XXXX ga. XXXX by Select Portfolio Servicing. 
I'm told my loan is part of the XXXX XXXX  XXXX XXXX XXXX Mortgage Backed Notes XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX. 
I have asked Select Portfolio multiple times for information on the trust, so I know it actually exists, and all I from the in a statement that it is owne by XXXX XXXX XXXX XXXX XXXX ... no other information other than that. 
I have tried to research my self and find no current record of it, I have called XXXX XXXX XXXX XXXX XXXX myself and they refer me to XXXX XXXX, when I call XXXX XXXX I run into a dead end as well. 
Since Select Portfolio is collecting on this trust I would imagine they would have all the info I need to make a move on recovering this property, yet they seem more interested on foreclosing. 
I have submitted to dispute letter both to CFPB as well as Select Portfolio for information on this trust and am currently waiting on an answer. 
My foreclosure date is less than two weeks away and I request it be postponed due to the fact that I am lacking information to get this loan back on track. 
I have interested parties to purchase the property based on the information I get back from the dispute and I need time to act on it.
Product: Credit reporting or other personal consumer reports

I am griteing to disputed accounts on my credit report that were whithout my consent. According to section 604 of THE FAIR CREDIT REPORTING to section ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX XXXX A XXXX XXXX I am attaching FTC Report Number : XXXX to this communication to further support my complaint and provide additional evidence relevant to the matter. This report contains critical information that substantiates my claims and highlights the need for a thorough review and investigation of this case. I appreciate your prompt attention and resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$6000.00} XXXX XXXX XXXX XXXXXXXX XXXX  {$2900.00} In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : 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

I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my current credit files it seems to be a decrepency via an account inwhich allued me to believe someone must at some point used my identity to forge such an manipulation. Now I'm demanding that this account not only be removed but blocked as well. 

1 ) ; XXXX XXXX XXXX {$120.00}
Product: Credit reporting or other personal consumer reports

The use of the wrong address on my report as well as fraudulent accounts reported on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to remove inaccurate, fraudulent, unauthorized information.
Product: Student loan

My student loans have always been auto debited from my accounts. Aidvantage is not accurately deducting my account and I continue to get notices that I am delinquent due to them not deducting the full balance. I requested a manager and the manager spoke to the agent and would not come to the phone. This was my third time calling them trying to get assistance. They are threatening me with late fees and credit reporting when I have attempted to get them to resolve their system issue. I am incurring additional interest and I do not believe they are accurately reflecting my payments. I am in fear that my credit report will continue to be affected as now I received a notification that my balances are increasing instead of decreasing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and filed a dispute in reference to the incorrect items on my credit report. It has surpassed the 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with TRANSUNIONXXXX XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

My identity is being used across the internet services, my important documents revolving my medical, financial assistance, bank fraud, inheritance of information has been used as undentify or property sale 's that I've never gotten to, and all government and federal information
Product: Debt collection

This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that I would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft I recently had purchases made from my bank account that I have no prior knowledge of this has been every troubling and I am looking to have some resolve
Product: Money transfer, virtual currency, or money service

Back in XX/XX/2017, my credit card company XXXX XXXX XXXX accidentally marked my 8 Coinbase transactions as fraud and blocked them as a result. The transactions totaled {$1800.00}. I received a notification of this from Coinbase through email, which stated that I may need to sort this out with my bank. XXXX pushed these transactions through a few days later after I sorted the issue out with them over the phone. However, Coinbase took a little over 6.2 Ethereum ( virtual currency ) from my account days later on XX/XX/17 to cover the credit card charge backs. This equates to {$1800.00} of purchases, which are outlined below along with their Reference ID/ARN codes. My bank statement is also attached. I have still not been refunded my money. 

Amount Reference ID {$360.00} XXXX {$100.00} XXXX {$300.00} XXXX {$410.00} XXXX {$100.00} XXXX {$200.00} XXXX {$150.00} XXXX {$100.00} XXXX {$36.00} XXXX I have since then reached out to Coinbase on multiple occasions in attempts to sort out the issue. For the first year, I received no responses other than auto replies and generic emails acknowledging the inquiry. My most recent exchange occurred from XXXX to XXXX this year. During this exchange I provided them with my credit card statement and ARN transaction codes that show that funds were sent from XXXX to Coinbase. My credit card statement initially sent me Security Credits for the transactions it mistook for fraud, but the same bank statement will also show that all of those credits were reversed shortly thereafter. 

I've attached my credit card statement from XX/XX/2017 along with multiple email threads of me reaching out to XXXX. The most recent email with the subject title " Case # XXXX - Case #  XXXX Unresolved Since XX/XX/2017, explains the dispute the best. 

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

This inquiry does not belong to me and I have no association with these creditors. Kindly remove it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been notified numerous times about report inaccurate information on consumer report. They have defamed my character and have caused me severe financial hardship. 

There are a total of 5 accounts reporting inacurrately XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX There are a total of 6 unauthorized inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent XXXX on XX/XX/XXXX to XXXX thru the XXXX Zelle app.On there website and XXXX page it says Fast and safe service. The recipient didn't receive the funds and it said PENDING REVIEW in the activity. On XX/XX/XXXX, the recipient still didn't receive the funds. I called Zelle and I was told that they would try to cancel the transaction. I paid the recipient in cash the XXXX. I called Zelle on XX/XX/XXXX, my money still hadn't been returned to me. The transaction still has Pending review on it and they told me that it will take 7 business days for the transaction to be sent to the recipient or canceled. I told them to cancel it and return the funds back to my account. They told me that they couldn't.
Product: Money transfer, virtual currency, or money service

We supplied Coffee to our Client Via LC DOCUMENTS- IRREVOCABLE LC REF NO XXXX AND XXXX And the Bank Received all the Documents Including Original Bill of Lading Later we were issued with Payment XXXX and when we went to our Bank we were informed that those Payment XXXX were not Authentic
Product: Mortgage

I requested my escrow account to be closed on XX/XX/XXXX, which was approved by Newrez on XX/XX/XXXX. My mortgage account is a non-escrow account now. I requested an escrow account analysis on XX/XX/XXXX, however, it still hasn't been completed and as a result, I still haven't received my escrow refund and new lowered monthly payment amount ( will be {$270.00} less ). I was told by Newrez an escrow analysis wouldn't take more than 30 days but it's over 30 days now. I called almost every day since XX/XX/XXXX and all I was told was it's " in process ''. There is no completion date in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} EQUIFAX : XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$51.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$88.00}
Product: Debt collection

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2022 and I have no recollection of doing any business with XXXX XXXX. I am in the process of contacting XXXX XXXX but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. 

The XXXX XXXX did finally respond to my complaint and they had a different number than what is being reported on my credit report. 

When I contacted them they said they do not have it and some come other company does and I have no clue as to who they are either and the problem is the numbers do not match and that it needs to be fixed. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

XXXX, XXXX and Transunion have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Accounts : 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 and XXXX Notice, it is a fact, and affiant is aware that under 15 USC 1692 ( j ) ( a ) it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

An FTC Report was filed # XXXX I was unable to print and attach.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the XXXX credit reporting agency , 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 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 XXXXXXXX, XXXX XXXX XXXX I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - XXXX XXXX ( closed accounts ) account was paid in full. I've disputed this sevral times. 

XXXX XXXX XXXX {$260.00} Not my account, no response from the bank. 

XX/XX/2022 - XXXX  XXXX  {$3400.00} disputed and response was not giving within 30 days. This isn't my account XX/XX/2022 - Us bkpt ct ca XXXX Remove, this isn't accurate. I never filed bankruptcy
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 90-120 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I Noticed that I have unauthorized inquiries on my credit report and that someone may have applied for something in my name according to the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX XXXXMercedes Benz XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXXXX/XX/year> MB FIN SVCS ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed accounts that I did NOT authorize in my credit report and its preventing me from receiving new credit.