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

This is XXXX XXXX and I am submitting this CFPB Complaint to follow up the first CFPB Complaint I submitted requesting the removal and deletion of the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XXXX XXXX XXXX I sent a dispute letter with complete atachments of my personal identifying documents with the FTC report I received from the FTC for reporting the fraudulent activities I found on my Credit File. I made research on how to remove the fraudulent items off of my Credit File and found that under the protection of the Fair Credit Reporting Act section 05b, I can request to the Credit Reporting Agencies to conduct an investigation on my Credit file and remove any accounts and information that resulted due to the fraudulent activity. Once again, I am requesting that the Credit Bureaus remove the following items off of my Credit File as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX 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 XXXXXX/XX/XXXX. If the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that the Credit Bureaus send me copies. However, if the Credit Bureaus find no such documents, immediate deletion of the disputed items is to be expected.
Product: Credit reporting or other personal consumer reports

It has come to light that you have not ceased the accounts after I provided a copy of the FTC report. As mandated by regulation 605b of the FCRA, I am sending this complaint to facilitate a lawful resolution. If you choose not to halt the following items listed below, which are inaccurately reported due to fraud, I will forward my documents to my attorney to initiate legal action. My intention is to avoid pursuing any legal action, so please adhere to the law. 
XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Try submitting my FTC report to this companies online dispute portal. Every time I try to submit my FTC report they dont allow me to so now Im going to send it through the CFPB. 

This is a lousy company who doesnt do any investigations and want to willfully not comply to remove any accounts that are negative. 

My FTC report is attached along with my Social Security card and license.
Product: Vehicle loan or lease

On XX/XX/2022, my final payment to Bridgecrest cleared my bank. I was immediately shut out of their online portal, so I can no longer see the status of my loan. Their customer service says it will be XXXX business days from the XXXX before they can verify that the payment was good and that nothing further is owed to either party. After that, they will issue a letter releasing their interest in the vehicle. In this day of instant electronic payments, how is this justifiable? I need to sell this vehicle soon, but cant even show prospective buyers that the vehicle is paid off via the website.
Product: Checking or savings account

XX/XX/XXXX We authorized online payment of {$7100.00} to XXXX at XXXX via Chase Bank. Authorization and copy of check attached. Chase mailed the check, but it ended up at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. They cashed the check. Copy of endorsements by XXXX and XXXX Bank attached. 

XX/XX/XXXX XXXX  notified us that payment was overdue. We printed out the check and took it to the Chase branch at XXXX where the banker, XXXX, took copies of all documents, scanned them into the file, called the company and made a report in our presence. Chase credited our account with {$7100.00}, Sent claim form on XX/XX/XXXX. Wife called Chase on XX/XX/XXXX, got transferred between Checking and Online Banking FOUR times and never got answers. Representatives were unhelpful and not fluent in English. We were instructed to visit a branch for help, which we had already done. We completed the form, which included a statement from XXXX XXXX accountant that the check had not been received. 

XX/XX/XXXX We received a letter from Chase stating they would remove the funds from our account on or after XX/XX/XXXX since the original transaction HAD BEEN PROCESSED ACCORDING TO OUR INSTRUCTIONS. Absolutely untrue. 

XXXXWife mailed XXXX and retrieved the lost funds in 4 hours. One XXXX lady with an XXXX  could do in 4 hours what Chase couldn't do in 2 weeks. Inexcusable.
Product: Debt collection

i financed a laptop and desktop from XXXX XXXX XXXX over 5 years ago. The total amount did not exceed XXXX i made timely payments until i lost my job while pregnant. i then made some late payments but payments none the less. in XX/XX/XXXX i made some larger payments as it was reported on my credit report and i was trying to buy a home. the debt was paid off XXXX essentially with the interest added. Fast forward to XX/XX/XXXX i received information my my employer at the time stating that a wage garnishment was completed and there was a lien for a debt with Midland Funding. i late find out that a court case had been initiated against me for the same XXXX account that was paid including interest. i had no record of this court procedure and did not attend., in any event over XXXX was collected from my garnishment. this loan is a nightmare its been paid many times i need help with this predator ( midland funding ) as i do not owe any more yet it shows on my credit report as a current outstanding debt in collection
Product: Debt collection

I requested a debt validation on the alleged debt from XXXX XXXX XXXX of {$550.00} from ERC. I received a response from ERC with an XXXX XXXX XXXX bill dated XXXX XXXX. I contacted XXXX XXXX XXXX and they said the debt was in collections in XXXX! This debt was purchased by several collection agencies starting from XXXX on XXXX/XXXX/XXXX then to XXXX on XXXX/XXXX/XXXX, and then to ERC on XXXX, XXXX, XXXX. The original delinquency date on the account first became delinquent has changed several times by the XXXX collection agencies. Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the XXXX year time frame does not start over when an account is sold or transferred to a another lender or collection agency.The recent collection agency ERC reported that I just owed the debt in XXXX XXXX when it was originally in XXXX.
Product: Credit reporting or other personal consumer reports

This is my refiling complaint for TRANSUNION. I believe that inaccurate information about me is being reported. In my credit report from XX/XX/year>, I still see these erroneous information that I didn't know about. I discovered account with incorrect information, such as payment history, status, balances, and the date of the last activity, as well as late payments that had never occurred. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection, and a customer revealing organization can't outfit a record without my instructions. I have attached the FTC report number XXXX to support this complaint.
Product: Debt collection

This collection agency is re-aging old debt and reporting incorrect date of first delinquency. 
I am XXXX and this inaccuracy is causing unnecessary stress. I have disputed with all XXXX Collection Agencies, FCO continues to verify thier information as correct.
Product: Credit reporting or other personal consumer reports

Recently, I ordered copies of my credit reports and discovered numerous accounts that do not belong to me. These accounts were not opened by me, and I am a victim of identity theft. In XX/XX/year>, I mailed a priority letter containing copies of my current driver 's license, Social Security card, FTC Identity Theft Affidavit, and a police report to XXXX, XXXX, Experian, and other entities reporting fraudulent accounts on my credit report. 

Unfortunately, it appears that the documents I sent were not properly attached to my accounts. This mishandling has resulted in the fraudulent accounts not being removed from my credit report, which is severely hindering my credit. I called in on XX/XX/XXXX XXXX XXXX  I was told my letters was not received. 

To protect myself further, I will be placing a freeze on all of my secondary bureaus as well. However, I urgently request that the fraudulent accounts be investigated and removed from my credit report as soon as possible. 

Please acknowledge receipt of this complaint and the steps that will be taken to rectify this situation. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a identity theft police report to all 3 credit bureaus. And no action has been taken. I want all these fraudulent accounts open up in XXXX XXXX Nevada removed from my credit file. These are not my accounts!!! I uploaded 15 years of Alabama drivers license. I never lived in Nevada. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW MEXICO XXXX XXXX From my credit file Asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My home in XXXX Idaho is scheduled for a trustee 's sale on XXXX XXXX, 2015. Theloan is predatory and it has been sold XXXX times, even though I have submitted all thenecessary documents for a modification multiple times. I can prove suitable income andcheating on the part of the lenders. I have a law firm representing me vs. Nationstar. XXXX XXXX 
XXXX XXXX of XXXX XXXX stated that Nationstar agreed to cancel the sale, but to date, Nationstar has not agreed to that in writing.
Product: Credit reporting or other personal consumer reports

Credit Acceptance Corporation is fraudulently using my credit information to fund a loan I have no knowledge of. I have not made the charge or gave Credit Acceptance Corporation a written or verbal consent to use my credit information to fund the fraudulent account. Ive asked for credit acceptance corporation to remove my information from their system because this is fraud and a violation of my rights
Product: Mortgage

My Mortgage was foreclosed XX/XX/year>. The Mortgage Company continues to send Statements for payment.
Product: Student loan

Navient is Closed however my Jobs Tuition repayment company portal was still sending payments to navient and payment was collected and never redirected to the new servicer. 

Ive called the Tuition repayment company XXXX and they stated Navient should redirect the payment then I called the new servicer XXXX and they also are unable to locate these funds. {$XXXX} a month was being sent since Navient was ordered to close. Until XX/XX/2025 is when the last payment was sent before I stopped it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in the request form to Experian ( credit company ) ask them to lift XXXX  military alert and initial alert because I am applying to refinance my mortgage. The bank is unable to pull my credit file because of XXXX military alert and initial alert. I sent the request through USPS express mail, and it was deliver USPS Tracking Tracking Number : XXXX Scheduled Delivery by XXXX  XX/XX/2021 by XXXX Status Delivered, Left with Individual XX/XX/2021 at XXXXXXXX XXXX  XXXX XXXX TX XXXX It has been 9 nine days, but nothing has been done. I would appreciated if someone can contact Experian and had them remove the XXXX military alert and initial alert for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion for the second time allowed my apartment complex to open up a New account under my frozen account. First occurrence, I disputed and has been fixed and now for the second time on XX/XX/2018. 
Apartment Rental agreement is with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I did not authorize them or any other company for that matter to open up a new account. This company is a residential, apartment rental company. I did not authorize any one to open up a new account. It's ridiculous to allow a residential company to open up a new account, as if they are a credit card company of some sort. I'll take a legal action against TransUnion and XXXX XXXX if this problem is not permanently fixed. New accounts impact credit score. I don't want my credit report to be ruined for something ridiculous as renting an apartment. I will utilize full force of our justice system to fight back. I will not allow this to stay in my credit report for 7 years. I look forward to your assistance in this matter. Thanks.
Product: Money transfer, virtual currency, or money service

It was XX/XX/XXXX that my account is permanently limit XXXX  and i have a XXXX in that account.. 
And he ask me to upload my id and i upload it.and my account is permanently limit without any valid reasonXXXX 

Can you please help me to remove permanently limit in my paypal account?? pleaseXXXX
Product: Credit reporting or other personal consumer reports

I didnt open this. This is fraud XXXX other complaints for reference number
Product: Credit card or prepaid card

On XX/XX/XXXX & XX/XX/XXXX, I received letters from Capital One stating they looked into a claim that I filed of fraudulent accounts. I NEVER filed anything or disputed anything. Since then I have reached out to capitol one many many times over the phone to keep getting the same answer that they are looking into the problem. 

on XX/XX/XXXX I spoke to capital one and they requested that I fax over letters to them stating that these accounts belong to me. To which I did. ( see attached ) after two weeks of waiting and phone calls again I still received no answer. On another call on XX/XX/XXXX I was asked to E-mail a copy of my driver 's license, social security card and a recent bill to which I did. ( see attached ) I have made numerous calls to capitol one and still have had no response to why my accounts remain restricted. All I keep being told is they are looking into it. As of today 's date XX/XX/XXXX almost 3 months later I called them to see if I could get an update. 

Got the same run around after being transferred to 3 different departments I got the same answer that they are waiting to hear back from the credit bureaus ... was told a month back it would take 30 days now today I was told it could take 60 to 90 days! 
something needs to be done, I have never been treated so poorly by a credit card comapny as I have been through capitol one from NO FAULT of my own.
Product: Credit card or prepaid card

I noticed a negative on my XXXX  credit report. After research I found that it is a 12 year old account opened in XX/XX/2006. This accoutn was always on autopay, but the creditor must have cancelled autopay at some point without notifying me. Therefore, the account shows late pays for 3 months, and now ways it is closed on XXXX. 
I attempted to contact the creditor ( CBNA, Citibank North America ) and they claim they have no record of my account. 
This is very low $ $ for me, and I just want to pay the account and have them correct the report, but nobody can help me. Even XXXX  refuses to give me more information about the account. 
The impact on my credit report has caused me to lose important business credit, and I'm at risk of losing my company which employs 30 people, and donates thousands to non-profits every year. Other than this issue my credit report is nearly spotless. 
Can you please help me get a response from Citibank so I can clear up the account and have it cleared from my credit report.
Product: Debt collection

complain against paypal. on XXXX XXXX, XXXX i bought something on XXXX for XXXX and paid for it with my account. on XXXX/XXXX/XXXX i found out my account was neg XXXX so i called paypal that same day. i talked to XXXX or XXXX people and they all told me that due to a policy change they could not collect money from a account that had a p.o. box on it which my does. so i told them i would check my bank to see if they did pay and if they didnt i would pay the bill. later that day i check my bank records and found they hadnt paid. so i tried to pay at least 3 times then i tried with a different card and because someone locked my account i couldnt pay. so the next morning i had to once again call paypal. after talking to XXXX or XXXX different people i got someone who was able to take the money over the phone and unlock my account. he then said everything was good and not to worry. but on XXXX/XXXX/XXXX i found that paypal had sent the XXXX back to my bank account. therefore once again i had to call paypal. i talked to XXXX or XXXX people and finally got a woman supervisor who explained the reason why they sent the money back to my account was because of all of the problems i had since their policy change, and all of the problems i had with different people working with paypal. she told me paypal was going to cover the cost and for me to not worry about it that it was a done deal and case closed. then on XXXX i found out that on XXXX/XXXX/XXXX once again paypal said my account was neg XXXX so i called paypal on XXXX/XXXX/XXXX. this time i got sent straight to collections and ended up talking to another supervisor who wouldnt not listen to anything i tried to explain and also said that woman i told him about could not and would not tell me the things i told him she said. i told him to check their phone records which are all suppose to be recorded and he would find out the truth. he would do it and said he was trying to collect a debt i owe. i told him that if this wasnt taken off my account i would close my account i have had for somewhere around XXXX XXXX XXXX years. he laughed and said i couldnt close my account until i paid the debt. now i dont want to close my account. but i will not pay this XXXX i have spent about XXXX hours and XXXX mins on the phone with paypal employees, i have spend XXXX mins sending and responding to paypals emails, i probably had spent another XXXX hours filing complaint with everyone i can to try and get this problem resolved and also maybe help anyone else who had this problem because of paypals change in policy dealing with p.o. boxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my consumer credit report with Equifax. It was discovered that an alleged bankruptcy is reporting contestable in accordance with FCRA Metro 2 Format XXXXXXXX This record is being reporting without known " Status '' which violates FCRA regulations. Per XXXX XXXX XXXX   " Any deviation from these standards jeopardizes the integrity of the data ''. I am demanding the removal of this record for this reason. This complaint is not a request for " Verification ''. I have attempted to dispute this unverifiable record several times and Equifax has refused to comply.
Product: Credit reporting or other personal consumer reports

I recently reached out to receive my TransUnion credit report. I called on three different occasions. I was told air would be fixed and it still has not been. Ive been charged for access on my credit card but still can not get it.
Product: Payday loan, title loan, personal loan, or advance loan

I would just like this loan reviewed to see if it all legal. I have been paying {$84.00} every other week since XX/XX/XXXX to pay off {$1100.00}. Almost XXXX XXXX years and they said I am set to pay until XX/XX/XXXX. Is all this interest legal? They take payments directly from my checking account.