23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am submitting this complaint on behalf of my step father. His concern is in regards to the credit decision as well as problems paying this loan. He is unable to adequately read such documents that were presented to him and he did n't clearly understand all the terms or conditions that applied. But mostly, after reviewing this type of loan ( HELOC ) that was presented to him, I strongly feel that his level of education, limited income, age, as well as all the time and all the sacrifices he will have to make in the time allowed to satisfy the loan terms, maintain his home so that he may comfortably live out his days without leaving a burden upon his wife, kids, or grandchildren did not get taken into consideration. Either overlooked. Now that he is unable to pay such a variable rate loan, foreclosure is being presented. Which leads me to question the decision of this loan. Also Now that he is unable to pay such a variable rate loan, he is faced with the fear of foreclosure.
Product: Credit reporting or other personal consumer reports

Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA XXXX XXXX ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan from XXXX XXXX XXXX XXXX XXXX with a balance of {$9800.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 Complaint XXXX  XXXX 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.
Product: Credit reporting or other personal consumer reports

I applied for credit card at XXXX XXXX. Filled out the application and was denied immediately. My credit score is excellent by the way. So I waited XXXXdays to get a letter from the lender. It says they denied me for insufficient number of accounts. I assure I have plenty of accounts. So I called the number listed. The woman I spoke with was from Experian so I checked my credit report on their website and also checked my reports on XXXX and XXXX scores were XXXX and XXXX respectively. The Experian report has my name and address and all my personal information but NO CREDIT ACCOUNTS and says my credit score is 0!! So she said she would send me a package by mail to fix this problem but said it would cost me a fee of {$360.00}!!!!! I am OUT RAGED!!! Let me get this straight. I have to pay this for their mistakes??
Product: Credit reporting or other personal consumer reports

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy.

In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery calling me every day like seven times a day. My cell number is register to do not call service, but they keep calling from diferent telephone numbers. They already suit me, but they insisting and keep calling some times three times in a roll ... from XXXX and XXXX
Product: Debt collection

these accounts are in violation of my hippa rights. i have contacted this company with no success in legally validating these debts. i would like these accounts removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated that my account was properly investigated but how is that possible if the the same inaccuracies that Ive disputed several times remains on my credit file? This is ground for removal because theyve violated my rights under 15 USC 1681 section 602 A I have rights to privacy.

15 USC 1681 Section 604 A section 2. states, Ila consumer reporting agency can not furnish an account without my written instructions. 

Also the certified bureau took more than 30 days to complete my investigation.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be UPDATE and if you are unable to provide me a copy of verifiable proof, you must UPDATE the account listed below. 

I demand that the following account be validated and UPDATE immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date XXXX Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX Date of XXXX XX/XX/2023
Product: Checking or savings account

Over the last 2 years we have drove to XXXX IA. We pick up our cigarettes and drive home. The last 2 receipts I noticed that they are charging me {$16.00} for using my debit card for the purchases? Can they charge me that amount on a debit card?? Please advise.As that is {$16.00} x 36 months, or {$570.00} Ty for your time, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX, Iowa
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX this is not my account.
Product: Checking or savings account

The new account uses a credit card machine to collect money, and the money received refuses to pay for various reasons, and at the same time refuses to refund to the customer 's bank card. 
In many communications, the customer service of the merchant admitted that the operation was improper and the card could not be returned to the customer. Meanwhile, they refused to pay me. Needs to be frozen for 180 days before payment can be made to me. 
Since my account was newly established, I asked the merchant to refund the customer 's bank card in full and the merchant refused. The merchant 's behavior has violated the relevant regulations. 
Since the merchant did not process the refund, the merchant is now requesting immediate payment
Product: Credit reporting or other personal consumer reports

I am writing to address a critical issue concerning fraudulent personal information linked to my identity. Several accounts and transactions have been falsely attributed to me without my authorization or awareness, causing me considerable XXXX and hardship. I have fallen victim to identity theft and have already taken steps to report this incident to the appropriate authorities. 

This situation demands immediate attention as it has severely impacted my financial stability and personal reputation. I respectfully request your full cooperation in swiftly removing all fraudulent information from my credit report and conducting a comprehensive investigation into this matter. I stand ready to provide any necessary documentation to support my case.
Product: Debt collection

Our information shows : You had a Prosper Funding LLC account with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX with account number XXXX. The current creditor of the account is XXXX XXXX XXXX, XXXX, with account number XXXX. 

The debt was sold to another company violating it's original arbitrary agreement between original parties XXXX XXXX sold that debt to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Toll Free : XXXX Deepening the arbitrary violation agreement The agreement didn't say it would be sold to another 3rd party which their email specifically said they sold the debt which is a violation of the original agreement and skipping arbitrary standards
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times the following account with TransUnion ; XXXX XXXX XXXX ( Opened XX/XX/2021, Balance {$17000.00}, Original CreditorName XX/XX/XXXX XXXX ). The last dispute was sent on XX/XX/2021, see attachment.To this day TransUnion have not respond to my disputes and they still reporting this unverified debt
Product: Credit reporting or other personal consumer reports

In [ Month, Year ], I discovered that my credit report contained inaccurate information related to late payments and incorrect balance details for XXXX XXXX XXXX XXXX. Specifically, the following issues were identified : Inaccurate Late Payments : On [ Date of Late Payment ], my account was incorrectly reported as being XX/XX/year> days late. However, I made the payment on time, as evidenced by my bank statements, which show that the payment of was processed on. 
Despite contacting XXXX XXXX via phone to dispute this error, the late payment was not corrected on my credit report. I have also provided proof of on-time payment in the form of bank transaction records and confirmation emails from the creditor. 
Incorrect Balance Information : My account balance was inaccurately reported as {$140.00}, while the actual balance was {$0.00} according to my statements. 
I contacted XXXX XXXX to request a correction. The representative acknowledged the discrepancy and assured me it would be updated. However, subsequent credit reports from [ XXXXTransUnion ] continue to reflect the incorrect balance, affecting my credit score and overall creditworthiness.

Despite multiple attempts to resolve these inaccuracies directly with [ Name of Company/Creditor ], no updates have been made to my credit report, and the erroneous information persists.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of these unauthorized accounts from my credit report. I did not open or approve them and have no knowledge of their source. Under USC XXXX, I formally ask for their removal within 15 days. Enclosed are supporting documents for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, an unauthorized and/or fraudulent credit hard inquiry was listed by TransUnion as made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. On or about XX/XX/XXXX, I DID NOT apply for any type of credit with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. I never received any sort of communication from this creditor ( approval letter and/or denial letter ). This is an unauthorized and/or fraudulent inquiry and therefore this inquiry must be deleted immediately. Every attempt was made directly with this creditor to get this inquiry deleted from their system as well as from the credit bureau. Therefore, TransUnion must now process this complaint INTERNALLY and IMMEDIATELY and then DELETE this unauthorized and fraudulent inquiry IMMEDIATELY.
Product: Checking or savings account

I purchased a cell phone on the XXXX by XXXX  website for {$94.00} including activation and first months service. I am a new customer and I do not have an existing phone number or account with XXXX. The order seemed to go through but I was given no order number or confirmation email. The money was debited from my account with Chime and it said pending. My phone was due to arrive within 2 days. This would be Friday XX/XX/2023. I waited until Friday and called XXXX and they could not help me without order number. After several attempts I was able to speak with someone in shipping and they said they had tracked down my order by the info I gave them. I was told my phone would ship in the next 48 hours making that a Monday arrival. Monday came and no phone. Accirding to my bank account the transaction was still pending, so obviously my phone was not shipped because it was still pending. To make a long story short I spoke with XXXX, they again couldn't find any order or even my card number in their system and urged me to contact my bank ( Chime ). I contacted bank told them there was no record of the transaction and I wanted my money so I could do the order over. They said there was nothing they could do since the transaction was still pending. They were unwilling to file a dispute and did not credit my account because it was still pending. I needed that phone on Friday at the latest and informed them that they needed to release my money. They blamed XXXX and told me XXXX had to release the funds, and XXXX told me they did not have the funds. So now it's been 7 days, 5 business days and the transaction still says pending and I've lost more money without a reliable working phone. Chime won't even contact XXXX and investigate, which is supposed to be their job. So I've been out XXXX : dollars for a week now and no one at either of those companies gives a XXXX and I'm low income and don't have another XXXX dollars to redo the order. I was supposed to get a response via email and neither company has done so and both are at fault in my opinion..I did nothing wrong. I was trying to order a new phone and service that was reliable and I used my chime card and now my money is in space, limbo,? These two companies have XXXX XXXX, and neither one cares.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant contact with XXXX  since XXXX about the inaccuracies on my credit report, such as names, addresses and employment. I have also sent a certified documents to report the inaccuracies. Each month I call they submit a new dispute case and tell me wait 30 days. Today I called to inform them that the inquiries listed on my account are not authorized. I also informed them that XXXX XXXX XXXX account was in litigation and through the multi millionaire dollar lawsuit through my Attorney General ( Illinois ) and several other states the company was required to remove the account from the consumer credit report. XXXX  has refused to update my credit report and send me an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Equifax
Product: Credit card

On XX/XX/2017, an individual other than me - and XXXX without the authority to enact changes on my account - was able to walk into a local Chase bank branch and close an account that only I am authorized on, which the personal banker with whom that individual spoke confirmed to the credit card department that I was requesting closure of the account in question. 

I was made aware of the situation the very next day when, after logging into the account online, was notified the account had been closed without my knowledge. I have since requested restitution for this breach of the agreement that I signed with Chase as well as the breach in security and violation of federal regulations concerning Customer Identification Procedures and XXXX provisions. Apart from the immediate impact, I am very concerned about the lasting effects on my personal credit and security. 

To date, Chase bank 's response was that it is an internal problem and they would be happy to reopen the account. This is unacceptable due to the concerns outlined above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do dear help, It appears to me that this consumer reporting agency is committing several acts of fraud. They've created fraudulent accounts on my name. I've disputed the information several times and this company still refuses to handle the situation in accordance to the FDCPA. It is illegal and incompetent for XXXX XXXX TO continuously assume a essential role but only to report fraudulent accounts of consumers. They've never sent me investigation status and results in due time. They violate me of my human God given rights. They violate me in accordance with the fdcpa and ignore there civil liability. There disgrace to society and to uphold their assumed role is detrimental to me in my private dwelling. Due to their actions I've been deemed of my rights as a consumer to extend credit because of their physiological warfare schemes and tactics to infiltrate me the consumer in to undermining my God given rights. I never given XXXX XXXX any permissible purpose to publish my private information as I the consumer has the right to privacy. Please help as XXXX XXXX is shadow casting onto my estate and depriving me of my human rights.
Product: Student loan

When I applied for the SAVE plan, my loans were placed in an administrative forbearance. MOHELA told me that XX/XX/2023 won't be eligible for PSLF since forbearance periods aren't eligible. I had requested for the administrative forbearance to be removed so that I can make the XX/XX/2023 payment to be eligible for PSLF. 

The administrative forbearance was removed from my account for XX/XX/2023 and I made the payment based on the previous, higher amount. After the SAVE plan was processed, XX/XX/2023 payment shows ineligible and the reason being ( No bill was due for this period ). I spoke with MOHELA and they told me that when I made the XX/XX/2023 payment it put my account in an overpaid status and no bill was generated. 

I was told to certify employment for this period then it should appear as eligible. I certified employment for the period covering XX/XX/2023 but XX/XX/2023 still shows ineligible. 

Can XX/XX/2023 payment be fixed to be eligible for PSLF?
Product: Credit reporting or other personal consumer reports

I filed a 1099c and this account has been settled please update balance to paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was victim of a hack and they believe my information has been leaked. This is a part of the larger hacking story involving the 143,000,000 identities being leaked.
Product: Credit card

I filed a complaint which was not properly addressed, you will see that my complaint was not properly responded to and the merchant stated delivery was confirmed on days prior to XXXX communicating failed delivery attempts to me, this was added previously along with direct communication from Rooms To Go stating that I was not to be charged until I received what I paid for, Synchrony has backtracked from their original reason for denial which was a signed delivery slip to now using delivery confirmation which was provided prior to XXXX stating I was not available for delivery, I would also like to add they closed my previous account for frauf when I never reported which has wiped all previous communications with them on this matter and I believe this to be intentional, I now need Synchrony to explain as this directly contradicts their reason for denial, I would like XXXX XXXX to explain to me how you are denying a dispute stating that I received items on these days when each tracking number associated with the items shows I was either " unavailable '' for delivery or " unable to be contacted '', according to your policy I am not to be charged until furniture is accepted into my home which it never was and according to XXXX i was unavailable for delivery after the dates which you are claiming delivery was confirmed and this is clearly communicated by XXXX so please explain how you can negate this information? You state the merchant has provided documentation showing this was delivered on these dates and I have provided documentation showing that it was not which is after the confirmation you are using to deny my dispute, I would like to remind you your policy specifically states, I will not be charged until I have accepted merchandise into my own home, I expect a full response.
Product: Credit reporting or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report. " According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.

Can you fix