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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 ( il ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Product: Vehicle loan or lease

I purchased a vehicle through XXXXXXXX XXXX XXXX of XXXX ohio in XX/XX/XXXX. i purchased a XX/XX/XXXX XXXX XXXX priced marked at XXXX selling price. I got approved through credit acceptance for a XXXX loan. It is now 2 years later and they are stating i still owe over XXXX for a XXXX vehicle. They never provide me with billing statements even after i have requested them numerous times. They just send a printout of my payment history. it doesnt have any info on interest rates, late fees, or why they loan amount keeps going up even with payments being made. I just recently made a XXXX dollar payment and they are still saying my vehicle is up for repossession. i need answers as to what is going on. I can never get a straight answer from any rep I speak with. They all say look at your finance papereork. But if they are my finance company, shouldnt they be able to tell me that information? Please help me.
Product: Debt collection

First notice is a letter stating to pay the bill with discount. On the back it says it 's a chargeoff from XX/XX/2009. I do n't even know what this is. PA has a 4 year statute of limitations on debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On two occasions, XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX, my student loan provider, Fed Loan Servicing, has reported the two separate accounts that I had with them as 120 days late. I had a forbearance in both instances as I was in graduate school. 

I have disputed the account reported with my now-former loan service providers and the three major credit bureaus on multiple occasions to no avail. These attempts have been since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a hard credit inquiry was put on my Trans Union credit report. On XXXX XXXX ( XXXX ), this is listed as : XXXX XXXX ( Finance ) In XXXX XXXX 

On Trans Unions website, it is listed as : XXXX XXXX XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Inquiry Type Individual I contacted XXXX XXXX by both web chat and phone. They could not find any new applications that would cause this inquiry, for my SSN. XXXX recommendation was to contact Trans Union, to find what the exact type of account, because XXXX can not investigate the situation without the full information. 

I contacted Trans Union, and they told me the hard inquiry can not be removed from my account without both me and XXXX XXXX  postal mailing Trans Union the proper documentation to have this removed. I told the Trans Union rep that XXXX could not find anything and could not investigate without further information. The Trans Union rep said, We can't disclose these kind of information 's since this inquiry has raised from their side we need a letter of authorization from their side in order for us to remove from the report. 

This may have been a potentially fraudulent account application at worst and an annoying ding to my credit score at the least. I had no part in this making its way onto my credit report and neither Trans Union XXXX XXXX XXXX  seem to be willing to help me with the situation. Slow walking and stone walling this process is not acceptable. 

I contacted XXXX and they told me exactly what I needed to tell XXXX to dispute this as fraudulent. I called XXXX XXXX  back and read them exactly what I was told to say. They looked it up with my SSN and transferred me to the XXXX XXXX XXXX. They couldnt give me any further information, and suggested I contact Trans Union. 

At this point, Im really not sure how to proceed, since neither is willing to give me any information or help in the slightest. Anyone have an idea on how to go about resolving this situation? 

Note : The inquiry is showing up as XX/XX/2022 on Credit Karma and Trans Union. It is showing up as found on XX/XX/2022 on XXXX. I can not currently log back into Trans Union to get the documentation directly from their site.
Product: Vehicle loan or lease

Company has over charged on interest rate. Using unfair business practices to customers. Loan amount is still at original MSRP pricing. Loan amount hasn't decreased any. Due to over charges in interest rates.
Product: Debt collection

I received a collection letter stating that I owed {$1000.00} to XXXX XXXX XXXX. I called XXXX XXXX XXXX directly and provided them the account number that was on the collection letter. The representative at XXXX XXXX XXXX informed me that there was an account opened under my name during the time frame of XX/XX/2015 - XX/XX/2015 at a residence that I have never lived before. The suggested for me to file a police report and request an identity theft complain report at TFC.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and it stated that on XX/XX/2022 a hard inquiry was reported on my Transunion AND XXXX Credit report from XXXX XXXX. I DO NOT have an account on my credit report nor did I apply for an account with this company. I called Transunion in an attempt to get the inquiry removed immediately due to it being fraudulent. Transunion refused to remove the inquiry which is now hurting my credit report and credit reputation. THIS INQUIRY NEEDS TO BE REMOVED IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX and Discover Bank is furnishing unverified information on my consumer report in addition to - reporting a charge off on my report AND sending me a 1099. Per IRS, 1099 's are reported as income. Income is not to be furnished on my consumer report. 
- Furnishing information on my report without my signed written consent to furnish my private information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX account # XXXX, is reporting a date of last active on XX/XX/XXXX on XXXX  and on equifax its reporting the same account # XXXX of a last active date on XX/XX/XXXX, and XXXX  dont have no repot of it at all please remove and delete from my report XXXX XXXX XXXX account # XXXX, from all of the credit bureau asap cause its hurting my chance to get a loan thanks
Product: Credit card or prepaid card

Thank you for helping with this issue. I was offered an incentive by American Express to change my credit card from the introductory card to the XXXX XXXX XXXX. The incentive was that if I spent {$1000.00} in the first XXXX  days of having the card then I would receive {$300.00} in cash back. Apparently, according to Amex, I did not adequately accept the incentive because I clicked on the wrong link, and thus they could not verify that I actually qualified for the offer that they sent. It is likely that they sent me an email saying that I would receive the offer, or that they reflected it on my Amex page, but that I did not click on that precise link to accept the offer. Thus, when I upgraded my card, they refused to give me the incentive I had obviously qualified for.
Product: Prepaid card

I recently received a Brinks Money Debit MasterCard ( dba Skylight Financial Inc in XXXX, TX ) which I most certainly did not request. I check my credit score/inquiries regularly, and I 'm confident this is n't real or a result of a scam. I think it 's just a very well-divised, thorough marketing scheme. But it 's really quite alarming. 

The card had my correct name, a card number, master card logo, an expiration date and CVC 3-digit number on back. The letter attached had an account number, a routing number, was sent to my home address. I received a terms of agreement pamphlet, and skylight/us bank checks. 

Now I 'm having to go through the trouble of making sure that a. ) this has n't been identity theft ; b. ) none of this gets activated ; c. ) all the materials are thoroughly destroyed to ensure no future identity theft, etc. 

It 's just a XXXX, and if I were elderly or perhaps less tech-savvy, this would have caused a great deal of concern. This seems like really poor business practice. To essentially sign me up, put my name on something that I never requested.
Product: Mortgage

I filed a complaint against Mr. Cooper for making false statements at a Summary Judgement Hearing claiming XXXX XXXX  as Trustee for the XXXX Trust series owns my mortgage and note. Compliant number XXXX. I provided proof from XXXX XXXX  in a written statement that they don't own my mortgage and have no record of me and that the trust has not existed since XXXX, which mean my payments never went to XXXX XXXX  for them to claim a default. The modification they rely on also does not list XXXX XXXX, or trust. I asked for proof and their response on XX/XX/XXXX was another smoke and mirrors game. They did not provide any evidence form XXXX XXXX, or the trust via, corporate statement from XXXX XXXX, or trust, or proof my payments were sent to them after they received them from me. Their response was just a generic statement " We can confirm that XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as Trustee for the Certificate Holder of XXXX XXXX, Mortgage Loan Asset Backed Certificates, Series XXXX is the owner of the above referenced loan. '' They refuse to show proof that XXXX XXXX  signed the Modification and they recieved my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

taking a overview look at my credit profile ive noticed alot of incorrect information that needs to be fixed on my credit report with transunion. it needs to be accurate on all XXXX credit bureaus please help me clear the information to clear my file.
Product: Prepaid card

I have a payment card with Comdatas Fintwist brand. Several months ago, I set up direct deposit from this card into my checking account with a different bank. I now need to update this information as I have recently changed my checking account. 

Unfortunately, I can not update my direct deposit information because I can not log into Comdatas portal. This is not a problem with my login information, but with the portal itself, which forces me to the Fintwist app that has no way to update my direct deposit settings. This issue has persisted for months, but Comdatas customer support was able to resolve the issue on the phone when I called them last time in XX/XX/year>. However, at this point, Comdatas support hotline simply hangs up after requesting to speak to an agent ( I tried repeatedly on XX/XX/XXXX and XXXX ) and their support email address also seems to be inactive ( I received an automated undeliverable error message on XX/XX/XXXX ). It is virtually impossible to contact Comdata at all at this point, which in itself appears to be extremely concerning for a financial institution.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I called the auto company regional acceptance corporation and spoke to a representative name of XXXX, and asked about the debit, I was told there was no information to give me in regarding the debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Santander consumer finance, XXXX XXXX XXXX XXXX XXXX XXXX got my credit report when it was unauthorized on XX/XX/XXXX XXXX XXXX  none of these companies have any information about me so how is it on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX have XXXX XXXX rights. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX Westlake Financial SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : WFS - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/XXXX I refinanced a mortgage with Better.com for XXXX. This should have paid my mortgage to XXXX and removed my ex-husband from the deed. 

XX/XX/XXXX I emailed the following to Better.com : I closed on my refinance XX/XX/XXXX. It should have been disbursed XX/XX/XXXX. My existing mortgage has not received the payoff yet. Since I was enrolled in auto-payments and it was not paid off as expected, the payment did not clear and I was charged a NSF fee at my bank. I have not received the money due to me from closing. Can I please get an update on the disbursement on my loan? 
They told me there was an issue with my closing documents, they were going to void the paperwork and the mortgage and I needed to go through closing again on XX/XX/XXXX. 

I let them know on XX/XX/XXXX that the mortgage that was supposed to be voided, was not voided and was sold to XXXX XXXX XXXX ( XXXX ) effective XX/XX/XXXX. The payment date for the XXXX mortgage was XX/XX/XXXX. They have assured me since then that they are working to resolve the issue with XXXX and repurchase the mortgage. As of today, XX/XX/XXXX, this issue is still not resolved. I have at least two, possibly three liens on my personal home and I should only have one.

I am getting letters and calls regarding a delinquent account with XXXX ; stating they will start the foreclosure process if it is not paid within 45 days. I have escalated this issue multiple times with Better.com and they have not resolved the issue. They will not provide a timeline of when it will be resolved or the steps they have taken to resolve these issues. I am not sure if there is mortgage or wire fraud occurring.
Product: Credit reporting or other personal consumer reports

Inquiry not mine XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit card or prepaid card

On my XXXX XXXX Capital One statement I noticed several fraudulent charges. That came up to {$1600.00} which I 'm currently still paying on. I immediately got in touch with XXXX XXXX and was directed to the fraud dept. A purchase adjustment was briefly granted. The XXXX XXXX statement all the charges reappeared. I contacted the Capital One fraud dept about the situation again. It 's so strange that every time I call to discuss the fraudulent charges it seems like I got the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX & XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Debt collection

I show three derogatory accounts with the credit bureaus and I'm puzzled as in how this would occur. I have been XXXX for 10 years, which would be 2009. It is impossible for me to have done this. This is not at all fair to me and needs to be removed indefinitely
Product: Debt collection

Transworld Services Inc : I am writing to request that you cease all telephone communication with me.Thet phone calls from your company need to stop. 

According to the Fair Debt Collection Practices Act, if I request in writing that you stop calling me, you are legally obligated to comply. Any further calls could make your company liable for statutory damages. 

I am requesting that any communication your company or your client needs to make with me be done exclusively through mail sent to the address listed. Please do not contact me by phone.
Product: Credit card

XXXX XXXX credit line as screwed my account up and not trying to charge me a {$30.00} fee
Product: Credit reporting or other personal consumer reports

I am not the creator of these inquiries, and I am not connected to any of the creditors listed. I need their removal from my credit report immediately as they are affecting my credit report.
Product: Debt collection

On XX/XX/2017 i sent a dispute letter. Grant & weber did not respond and the account was only on my XXXX  credit report and is now on my XXXX credit report as well. I do not have a contract with this company. The amounts are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This student loan first originated during the Award XXXX - XXXX while attending the school called, XXXX XXXX XXXX XXXX XXXX XXXX which can be found in the uploaded supporting documentation on page XXXX where I have given you a copy of the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report does not reflect the Award XXXX - XXXX and is missing loan servicer Conduent, Borrower Services Department XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX This loan originated in XXXX and is still in repayment according to the loan servicer. Let the record reflect the correct date the current loan was first was awarded, in XXXX, and last sold by the loan servicer in XXXX. I have not taken any loans since XXXX and the XXXX loan is a requirement of the servicer to buy and sell loans to other companies. Correct this mistake, I included my lawsuit from XXXX on this matter as a second form of Federal proof of it's existence before XXXX. Thanks.