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

XXXX XXXX  denied my dispute after my card was stolen and maxed out. 

They are very happy to see that my card is maxed out because they can charge me interest on the balance. But they are so blinded by greed that they don't even care that I was not the one who did the transactions. 

They said the transactions are valid, which is a lie. I never attempted or approved these charges. XXXX must have allowed someone to trick them into thinking the caller was me if they are claiming that the transactions were verified. 

I have spoken to several reps from XXXX, but no one will even consider that I was not the person who made the charges. They are too interested in billing me for the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion, XXXX, and XXXX  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX XXXX XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} Ad XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtain a copy of my Consumer Report and notice that there is some inaccurate information on my report. Pursuant to section 15 USC 1681 ( a ) under the exclusion section number ( b ) states that anything that is extended or authorize from a credit card should be excluded from the consumer report. According to definition Section 15 USC 1602 ( i ), the term of a credit card means, any card plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on a credit. 
This is meaning that a credit card from a bank is not allowed on my report, and that not what I mean by a credit card and they are illegally reporting to my consumer report. According to 15 USC 1681 ( a ) section ( e ) such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the Consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I have been hurt being that I am being falsely accused for an account that is inaccurate on my report, I am a XXXX mother trying to get a house and car for my daughter and family and this is weighting very heavy on my future as of now and I'm begging and pleading for help from someone that can help my daughter and I so I can be successful and living comfortably.
Product: Prepaid card

I was sent a prepaid Mastercard by NetSpend that I did not request. I tried to call the company and cancel the account but they would not cancel the account without me providing the last four digits of my social security number. Because I never filled out an application or requested this card they should not have that information at all but somehow they do and they will not provide me any information unless I give them the last four digits of my social security number. I refuse to give them any information about myself since I did not sign up for or request this card. If they have this information they have stolen my identity somehow.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

I have been trying to get XXXX, XXXX and Equifax to remove a FRAUDULENT account and the address associated with said account for over a year. My address is not and has never been XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and I would like that address removed from my credit report immediately and permanently. 

There is a XXXX XXXX XXXX XXXX account that is in a charge off status on my credit report that i have been challenging for years that is FRAUD. I would like that account deleted immediately. There was another XXXX XXXX XXXX XXXX account that was fraudulent, that was removed as a result of my dispute yet this one remains. How can one account that was open at the exact same time be fraudulent and removed but not the other? There are also several inconsistencies in the reporting of this fraudulent account across the three bureaus which further supports that this account is unverified and should be removed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 4 auto loans with XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX. There is fraudulent personal loan accounts with XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, rental debt with XXXX XXXX  on XX/XX/XXXX. The result of the fraudulent accounts have put accounts in collections with XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US 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

I have ask for investigation from the credit reporting agency because accounts that are being reported for XXXX XXXX XXXX also known as XXXX XXXX XXXX has never been validated with me. I have no knowledge of these companies and have never made any type of contractual agreement to pay these companies. The credit bureau is claiming they are investigating the dispute but I have been unable to contact the company. My certified letters have always been returned. No phone number to contact company. So how is the credit bureau able to verify information when I am not able. In addition to their bogus investigation process, these accounts are in violation of HIPAA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I financed a new XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I got the loan thru BBVA. I set up online automatic withdrawal. I had problems setting it up online. So I tried over the phone. I was told I had everything set up online and all accounts, charges, settings were set. 
Well, after the first month, I started getting late notices on payments in XXXX 2018. I called and doubled checked my online account. Everything looked normal and already set up. On the phone, the representative would go over my account and said all was fine, it must be a glitch. And submit a work ticket. I never heard anything back.

Then 2-3 weeks later, I would get more mail stating I was failing to make regular monthly payments on my loan to BBVA. 
I once again, called and talked to a representative over the phone. Same thing. They said it was taken care of. 
In XX/XX/2018, I finally went into a local BBVA bank and said I wanted to speak to someone in charge and find out why my payments were not being submitted and why the auto withdrawal was not going thru. After 5 days, it was finally straightened out. BBVA apparently had the wrong account number from my bank. I had submitted it correctly, but they kept entering one too many digits. 
However, it is because of 2-3 months of NONE payments, I believe my credit history has suffered. I have a score of XXXX, as of XXXX-18. I believe this to be unfair since it was not my error back in XX/XX/2018, when BBVA made the mistake on my loan account. I wish for this to be corrected, reviewed and addressed. Since the correction, I have been late on NO accounts and fully pay all loans and bills on time with no past due or collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is too old to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX is reported that XXXX through my company XXXX made a deposit of unsaid amount to Capital One Bank I never received set amount
Product: Credit reporting

There is a later charge on my credit history from XXXX approx. 20 years ago. It was due to the Postal Service on XXXX XXXX in XXXX XXXX FL loosing XXXX bags of mail. They lost my mortgage, car, utilities and credit card payments, yet XXXX 's is the only one still showing on my Credit History. I pay my bills as soon as I receive them. This is not right, or fair.
Product: Debt collection

I informed company this was due to identity theft as I was incarcerated at the time and didnt apply for this and it was done without my permission because again I was XXXX and couldnt have given permission
Product: Debt collection

Performed a routine, preventative XXXX  in XX/XX/2022, at XXXX XXXX. XXXX  are done every couple of years as a routine preventative measure for those with XXXX XXXX, including myself. There was no emergency at the time, and this was not an ER visit. 

Had active medical insurance at the time under XXXX. XXXX terms and conditions advertised 100 % coverage of preventative services. XXXX had also sent me written communication saying the XXXX  was covered under my insurance and pre-approved. 

A few months later, XXXX had only paid a portion of the amount to XXXX XXXX ( rather than 100 % ), and claimed in communications that the service was not preventative, leaving me with a balance of $ XXXX. XXXX XXXX claimed in communications they had billed it as preventative. XXXX XXXX was unwilling to work with me, and referred it to State Collection Service , Inc., a debt collector. 

I responded to the debt collector disputing the debt, saying it is not my debt, and that they should collect the amount from XXXX. They are still trying to collect from me.
Product: Debt collection

I signed up with XXXX XXXX XXXX for internet & TV service in XXXX, Oregon. My bill was never correct despite many calls to customer service. I finally gave up. I cancelled my service, disconnected it, and made payment for my final months of service at the rate I originally contracted. 

With my final payment I included a letter detailing the problem, my calculations, and that this was a final payment for the unpaid portion of my account at the contracted rate. XXXX accepted the check in XXXX 2015 and never commented on my letter. 

In XXXX I was contacted by Convergent Outsourcing, a debt collection service working on behalf of XXXX. I disputed the charge, which Convergent " verified '' by providing a copy of a XXXX bill. I sent Convergent a cease and desist letter along with proof that the debt was invalid -- which was a copy of the final letter I had sent to XXXX and a copy of the check. 

Convergent contacted me again on XXXX XXXX, ignoring my cease and desist letter, with an identical " we 've verified this debt is valid '' letter. 

XXXX 's billing practices are predatory and Convergent Outsourcing, its debt collection service, ignores proof that the debt they are trying to collect is invalid and ignores consumer demands to break off contact. 

Please help!
Product: Credit reporting or other personal consumer reports

Deducted XXXX points from my fico score for late payment that was there in error. for XXXX XXXX  change status but Credit Bureau did not give me my XXXX points back on my fico score in accurate information. They still will not give proper points back reading wrong across all credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, and TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above accounts from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of identity fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for noncompliance ( 15 U.S.C. 1861n
Product: Mortgage

Hello, I have been on forbearance plane due lost my job in COVID-19. My loan server was XXXX XXXX. On XX/XX/2021 we have reached to an agreement to modify the my mortgage modification, we went throw the modified agreement/contract. My monthly payments modified to be suitable with my current financial situation which it is {$1700.00} a month. I started the payment trial period, I submitted my first and second monthly payments on time. When the third and last trial payment approached I called XXXXXXXX XXXX to make my last trial payment and they refused to take the payment due the change of loan server to Shellpoint. 

I called Shellpoint to make the payment and they refused to take the payment due to the documents was still not received from the XXXX XXXX. They asked me to send the modification agreement to them so they speed up the process. I forwarded the loan modification to Shellpoint and I tried to call the point contact for my loan and she never called me back, I kept calling customer serves and they transfer me to the point contact but she never answer or called me back. 

I recently received a letter for loan modification they did on their own that I have no idea what are the terms of modification they did but I know the monthly payments jumped to {$2700.00}. Again called them and sent email and I have no answer at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collections agency was paid in full XX/XX/2019 which posted on XX/XX/2019. Then reported the account the next day XX/XX/2019 as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed several mistakes. There were names and addresses that I do not go by for starters. Also, the accounts that reported to collections were medical bills. I was always covered under my parent 's insurance, and the balances shown on my credit report were inaccurate. There were several companies that I did not recognize or sign a contract with. I did not agree to pay the interest tacked onto my bills either. I requested an itemized statement and contract, but never received either. Instead I received one generalized collection letter that explained nothing! I disputed these errors with all 3 credit bureaus, and only a few were resolved. This is extremely frustrating for me because my credit has been significantly hurt because of these errors of medical billing offices. I have exhausted all efforts in resolving these accounts, and they wont even send me supporting documents to their claims. If they can not provide adequate paperwork, then they should remove this off my credit as the Fair Credit Reporting Act regulates.
Product: Student loan

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with NAVIENT. For some reason, I realized that there were late payments on my credit report. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 

NAVIENT XXXX XX/XX/XXXX {$4700.00} ; NAVIENT XXXX XX/XX/XXXX {$6500.00} ; NAVIENT XXXX XX/XX/XXXX {$2700.00} ; NAVIENT XXXX XX/XX/XXXX {$1700.00} ; NAVIENT XXXX XX/XX/XXXX {$10000.00} ; NAVIENT XXXX XX/XX/XXXX {$10000.00} ; NAVIENT XXXX XX/XX/XXXX {$3000.00} ; NAVIENT XXXX XX/XX/XXXX {$7100.00} ; NAVIENT XXXX XX/XX/XXXX {$2900.00} ;
Product: Credit reporting or other personal consumer reports

On XXXX I received alerts to my phone that my credit had been ran, and it was also ran without my permission. The dealer is a scam. The inquiries that were added to my account were 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 have submitted disputes to you and did not get a response within XXXX days, and you all are required by law to do so. Please investigate my disputes, please. Thank you.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. ACCOUNTS : DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, and DEPT OF ED/XXXX XXXX XXXX Please remove these accounts ASAP.
Product: Mortgage

First, this is not a live-or-die matter.     I have a mortgage  with Ocwen Financial. I have  always paid on time.   The specific matter here is a payment they say was received on  XXXX  ( a Mond ay ).   XXXX   XXXX   XXXX  , which sent the payment via my online bill payment account, says it was received on  XXXX  ( a Fr iday ). The { $98.00} penalty   Ocwen assessed itself is not a " federal case '' and is hardly with bothering you. I took pains to ensure the payment would arrive before a penalty was assessed, though. What I did want to do is weigh in on Ocwen and my overall experience with them.
I inherited Ocwen when my loan was sold to them, without my approval, obviously. My only experiences with them have had to do with an inquiry about refinancing at a more current rate ( at the time, they were of no help - now they are pushing refinancing ). They got my inquiry so screwed up, misunderstanding that I was only asking so that I might lower my monthly payment. They interpreted the request as my being in financial trouble and I kept getting remediation packets - six in total! - after I had disabused the  m of that idea when I first spoke to them. After weeks of calls and mailings, they finally relented. My conclusion : these people are really, really stupid.      Re : my current issue and their alleging I paid them a day late. I called my " customer service representative ( which is what Ocwen calls anyone who answers the phone ). He was an outsourced person ( which is OK by me, as long as they are qualified to be of help ). It turns out, not surprisingly, that he was incapable of doing anything but reading a script. Ocwen gives its customer-contact people absolutely no authority to mitigate, ameliorate or otherwise help whatsoever. Ocwen ma kes  XXXX   XXXX  look like emissaries of  XXXX   XXXX .     Anyway, of all the mortgage companies and servicing firms I have experienced in my 40 years as a mortgagee, I have never experienced the rank incompetence and unhelpfulne ss of Ocwen. Ever . I have held this in until now, but reading about their downgrading by  XXXX  and  XXXX   XXXX , I was prompted to speak out.
Product: Credit reporting or other personal consumer reports

information pertaining to this item is incorrect/inccurate.this debt is showing twice in my credit report.debt from XXXX XXXX XXXXXXXX and from XXXX are both reporting balances.delete immediately. I have previously disputed/ requested from XXXX XXXX investments and they are just saying this is verified and updated. Both accounts are showing as open with different balances for same debt.