23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( XXXX, Transunion, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. By XXXX XXXX reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet XXXX, Transunion, and XXXX continue to report this on my credit report. I have reached out to XXXX XXXX to provide me with the contractual obligation that I signed with them and to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response
Product: Debt collection

On XX/XX/2017 I was notified that Carter-Young had added a collections account to my credit without any prior communications. I have contacted this company on numerous occasions but they have refused to remove this illegal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to address XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX on my credit file which does not belong to me. I contacted TransUnion explained to them I never been associated with this address in fact there is no such street in the town. The rep confirmed, she would removed the address and send me an update copy of my credit file. I received a new credit report file # XXXX and this address error is still there.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that my report has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Given the inaccuracy and the significant impact on my financial well-being. I demand the removal of all inaccuracies. This misreporting violates section 623 ( a ) ( 1 ) ( A ) of the FCRA. XXXX data breach. accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked for XXXX to remove items from my credit report and sent them report symptom proof and they refuse to move it.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a small loan the smallest amount they offered was {$500.00}. 
The woman called me and I heard her say something about {$2300.00}. I told her I did NOT want to proceed. I was not sure what she said about the {$2300.00} and I said I would have to think about it. When I called back the woman assured me that I would NOT be paying back {$2300.00}. So I proceeded with the loan. 
As of XX/XX/XXXX payoff amount was {$870.00}. By that time I had already paid {$980.00}. My loan should have already been paid off. 
Now they're telling me the current balance on my account is {$1300.00} and the payoff is {$950.00}. I live on limited income and can NOT afford this. When I applied online I could NOT find ANY information about interest or that I would be repaying {$2300.00}. Please help me, I don't know anything else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked transunion and XXXX  to verify this account because there is inaccuracies. Also, this account does not belong to me and Transunion responded verified but did not send proper documentation showing me how they verified the account and the documents they have that verified the account. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account with a balance of {$930.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right and privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written constructions
Product: Money transfer, virtual currency, or money service

I am trying to cancel my account for several months. There is an old open case in Coinbase Support : Case # XXXX - Trying to cancel my account Other cases of the same situation https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX The XXXX XXXX XXXX XXXX closed out my student loans and transferred it to XXXX XXXX XXXX XXXX As a result my credit scored took a XXXX point drop with Transunion. Transunion is stating that I have to wait to XXXX report it which could take 30 to 90 days. In the meantime, I have to deal with a drop in my credit score from action which was not of my own doing. this may adverse affect my ability to get a loan or a mortgage if I chose. What can be done to remedy this? This is patently unfair and seemingly deceptive. It is absurd that I should be punished for an action I did not take and TransUnion says there is nothing they can do about it which I dont believe Thank You
Product: Student loan

I had a direct student loan that was being serviced by XXXX. While under XXXX, I had zero issues. However, that company underwent a buyout and in the process of doing so sold some of their loans to UNISAINC. UNISAINC makes almost no effort to indicate that payments are due - the only notification from them that either I or my girlfriend ( who also has loans serviced by them ) are letters in the mail that often arrive on the date of or after the payment due date informing us that we owe money. Since both of us are proactive, this isn't a huge problem for us personally but could be one for other borrowers. Our main problem is in how difficult UNISAINC makes payments. Every. Single. Time. I go to make a payment online, their website is having issues. Sometimes it will log you out for clicking the wrong link. It is frustratingly slow. They make it difficult to access the payment page. Most frustratingly, there are entire *weeks* where you can not access their website. I understand that the CPFB is better able to serve with specific information - however, there are no specific dates or actions that stand out in particular. This is a repeated problem since UNISAINC has become our servicer. Unfortunately, payment by mail is not an option due to the aforementioned inability ( or unwillingness ) of UNISAINC to contact us in a timely manner. Unfortunately, payments over the phone are not an option as well since their phone lines close after work hours. Additionally, when I have made payments in the past, they have taken longer than their stated processing time to apply the payments. This has caused financial injury to me as I have overpaid as a result of their negligence. 

It seems obvious to me that UNISAINC is willingly engaging in practices designed to make it more difficult for borrowers to repay their debts. 

Attached is a collection of receipts from UNISAINC and a screencap taken as I tried to log in to my account and pay on XX/XX/2018
Product: Credit card or prepaid card

Issue clarification : BoA WILL close cc account not IS closed Received email notification that they will close overdraft CC is not used by deadline. I called the local branch to resolve and was told no one available and I needed to go online, schedule an appt inside the bank. We all know banker 's hours. And I work those same hours so basically I need to change an amount on their cc, keep track of that charge, pay it and that resolves it. Banks are become more and more insular : self absorbed and dismissive. My concern : what happens to those customers who do n't have time or money to respond to the growing isolation we all feel as customers? 
I posted this in XXXX XXXX : As a long time loyal customer you and I stand at a crossroads.  Today I received this notice : " Your Bank Americard Rewards Visa Signature ending in XXXX has been inactive and will be closed on XXXX XXXX, XXXX, if you do n't make a transaction by XXXX XXXX, XXXX. '' I have limited time to deal with your issue so I called the branch office. Due to the apparent inconvenience of my call a recording informed me that no one was available to deal with me and I was 'invited ' to go on-line and schedule an appoint to come in, at your convenience, to resolve an issue that you created. Think about that for a minute from a shareholder and customer 's perspective - you exist to make your shareholder 's money ( we hold BoA stock ) and secondarily to serve customers needs. I hope that BoA can see the irony in that. At this point I know that you will provide boiler-plate-justification response, which is tiresome and mystifying given the plethora of public platforms that are more available to your customers than BoA is or has been over the last 15 years. Im tired of being repeatedly marginalized by BoA. I await your response this request : You contact me within 24 hrs to resolve your issue. If not, there are other banks willing to accept our accounts. Example : XXXX personally answers the phone at the local branch where we also have accounts.
Product: Credit card or prepaid card

Discover has charged me, multiple times, for the same purchases. I have paid for these purchases, but they continue to charge me for them. Also, I disputed a charge, based on the quality of the purchase not being as guaranteed. They denied my dispute. I have since closed my account, but they continue to charge interest on the account.
Product: Credit reporting or other personal consumer reports

There are XXXX XXXXXXXX XXXX XXXX accounts on my credit report that are reporting inaccurate information. Trans union Credit bureau or XXXX XXXX XXXX is claiming that these accounts were closed in XXXX of XXXX which is incorrect. they had previously claimed they were closed in XXXX of XXXX which is also incorrect. In fact both of these accounts were closed in XXXX of XXXX. Attached are the XXXX bureau credit reports from XXXX of XXXX which clearly state that both of the XXXX XXXX XXXX accounts are closed. This is very deceptive and costly and would like these XXXX accounts removed from my trans union credit report. I have disputed this with trans union and XXXX XXXX XXXX and trans union stated as accurate. XXXX XXXX XXXX never responded. I recently found the credit reports form XXXX to solidify my claim.
Product: Credit reporting or other personal consumer reports

This is my numerous requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our father XXXX XXXX XXXX passed away on XX/XX/XXXX. 
Our mother XXXX XXXX XXXX passed away on XX/XX/XXXX. 
My brother XXXX XXXX XXXX, who is residing at our parents home with his wife and family, received a letter dated XX/XX/XXXX from a company SLS ( Specialized Loan Servicing out of Colorado ) addressed to our deceased father XXXX XXXX XXXX. 

This letter was informing our father that unless he repaid a Home Equity Loan taken out around XXXX, and that our parents missed their payment for XX/XX/XXXX, that they would begin foreclosure proceedings ( SLS LOAN XXXX ). 

Our father who was a XXXX veteran had to file Bankruptcy on XX/XX/XXXX due to mounting medical bills from him XXXX  XXXX  XXXX   XXXX XXXX XXXX from a XXXX  XXXX XXXX. 

Our fathers Bankruptcy was XXXX in XXXX XXXX on XXXX/XXXX/XXXX under case XXXX. Our father thought that all his debts, other than the Original Mortgage, and his vehicle loan, were discharged in the bankruptcy, including this Home Equity Loan. 

My brother and his wife attempted to contact SLS in regards to this matter. SLS would not speak to my brother or his wife as they did not have AUTHORIZATION from our deceased parents. 

I filled out a complaint with the XXXX XXXX XXXX regarding this issue with SLS on XX/XX/XXXX. 

On XX/XX/XXXX SLS sent a second letter to our deceased father wanting both our deceased parents signature authorizing SLS to speak to me ( XXXX XXXX ) as I am the EXECUTOR OF THEIR ESTATE. How can 2 deceased people sign an authorization. 

On XX/XX/XXXX I sent SLS a signed 3rd Party Authorization to talk with me regarding my parents case. 

I had also in the mean time contacted the Illinois Attorney Generals Office, along with a Private Attorney, XXXX XXXX, from XXXX XXXX, IL. 
The Attorney General advised recently that SLS refuses to contact their office reference our parents case. The Attorney has sent letters, signed 3rd Party Authorizations to SLS, only to be ignored. 

I would like this Home Equity Loan be CLOSED out by this company SLS as they refuse to talk to us, they refuse to send our attorney any documentation of the Home Equity Loan. 

This makes me believe that my parents never signed any paperwork for this loan. 

This H.E.L shows up on the deed to our parents home as being originally through XXXX XXXX XXXX. 

This company was known to have committed Civil Mortgage Fraud and was taken over by XXXX  XXXX XXXX in XXXX. 

This company is a disgrace to the lenders that make legitimate loans. 

I have the documentation and our parents Death Certificates if needed.
Product: Debt collection

The total of the classes I could not even attend at XXXX was only {$3200.00}, not {$4000.00}. I was driving back and forth from XXXX to XXXX every single day, five days a week or sleeping in my car when I had to because I could not afford an apartment in XXXX, but I really wanted to work hard to pursue my XXXX XXXX XXXX in XXXX, after graduating with my XXXX from the XXXX. I missed the first class of my XXXX and was dropped from the course, without notice. I was then told to register for a different XXXX, but it would mean paying another {$250.00}, which I absolutely did not have at the time, and could not get in any way, shape or form within the 24-48 hrs that I was told I had to pay for it. Therefore, XXXX dropped me from ALL of my classes, without my permission, and I lost my entire student loan. The whole situation is completely unfair. If I had never been unwillingly dropped from my courses, I could possibleIy be half way towards finishing my XXXX XXXX XXXX right now, at least. Since I can not do anything about the unfair experience I had at XXXX, I am willing to get on a payment plan for the actual amount owed, but I do not understand why it is reported as more than it actually is/should be. Completely ridiculous, especially for a young mother who was doing literally everything possible to pursue higher education, and make a better life for myself, and contribute more to society.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$230.00} this is not mines, XXXX # XXXX {$1000.00} never heard of this account, XXXX # XXXX this not mines {$2500.00}, XXXX XXXX XXXX # XXXX {$320.00} this not my acoount, XXXX XXXX # XXXX at XXXX XXXX XXXX not my account, XXXX XXXX XXXX # XXXX {$410.00} not my account, XXXX # XXXX XXXX XXXX {$210.00} not my account, XXXX XXXX XXXX # XXXX XXXX not my aaccount .Someone stole my identity and used my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to the Credit Reporting Agencies to remove the the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I am now submitting a CFPB complaint regarding the same fraudulent items on my credit report. I have discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include a credit account that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I already disputed these items and yet the Credit Bureaus still indicate these items on my Credit File as if these items have been verified. If the Credit Bureaus believe that the disputed items legally belong to me, I request that they send me copies of documents to support such claims. In the absence of such documents, immediate removal of the disputed items is to be expected.
Product: Credit card or prepaid card

On XXXX XXXX and XXXX XXXX, I notified Chase and all the credit bureaus that the information being reported was inaccurate. They have not verified the information and by law must remove this inaccurate reporting.which have not. 

I asked them to produce documents to show that this was my correct account and a pay history showing that I was late in my payments. Nothing was sent to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all old addresses and personal information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX been contacting me since early XXXX I was dealing identity theft since XXXX for card opening and loan was opened by someone that used my ID and name And company refused fix my issues since XXXX Only want me to pay XXXX XXXX even if I didnt open account and someone else opened about. With my ID, social security, email and private information I had issues my identity for XXXXXXXX XXXX and XXXX XXXX refuse to fix issue only seek damage to credit and money. 

I would like this account removed from credit report since it fraud opened and I was not XXXX who opened this acct XXXX ladies under names XXXX XXXX, XXXX and XXXX are ones responsible doxxing my info and opening my acts and using my credit cards and personal information without permission including opening cards with my ID and social They obtained my information through XXXX. 
Depsite reporting them to police and federal trades. XXXX XXXX refuses to close matter and remove acct from my credit report and damaging credit only seeking money to fix issue which is wrong. I was told police not to give further information company XXXX XXXX XXXX XXXXXXXX when I received another email of company trying communicate me for dame matter but refuse to fix issue only seek money to fix issue even if this issue was done by identity theft and fraud done by someone else with my information and name. I was told I had a card an loan open but I told them the loan was opened by XXXX XXXX  who used info and company refused to close or remove acct from credit report even i told credit bureaus all calls I received after they also asked for my personal I do this horrible company.i would like to state I was sent a email that the acct was closed but they still seeking a balance even if I disputed I shouldn't be paying for fraudulent loan and card opening by someone who posed and impersonated as me using my information from XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX XXXX denied me for an open credit plan even though their indenture agreement states that when an applicant applies for credit they shall be granted as long as they exercised their rights with good faith and clean hands. Also I have attached the letters and laws that are being violated in this matter. Also I'm in arbitration with XXXX credit agency, so im not sure how that company can report something that isn't my account. I explained that XXXX XXXX, and the issue still have not been corrected. 

Dear Underwriting team, Today I, XXXX XXXX was denied and received an adverse action letter today for an extension of credit by XXXX XXXX XXXX XXXX on XX/XX/2023. I applied for a credit card that I wanted. I have invested in this account with good faith and clean hands. Im here to accept all lines of credit, titles, and interest on this account. I have attached your XXXX XXXX XXXX agreement where it states that my note is an open-ended credit line and access should be granted. I have also attached your XXXX form that explains in detail about notes and securitization transactions from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that you please open my line of credit. 

As you may be aware, it is against federal law in accordance with the Equal opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code Sec 1691 ( C ) you assume civil liability pursuant to 15 U.S Code Sec 1691 ( k ). 
XXXX XXXX and XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights : 1. 15 U.S Code Sec 1642 2. 15 U.S Code Sec 1681M 3. 12 CFR 1002 Since this letter was sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, and youre criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered security fraud since I have received NO BENEFIT. 


If there are any concerns than you can retract my note that I sent using my social security or to my understanding, we can than start to discuss security fraud. You have XXXX business days from the delivery of this letter to resolve this matter. 

Thanks, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Equifax is not following the laws!!! A fraudulent account was opened an is now in collecting a company called XXXX XXXX for XXXX XXXX XXXX XXXX says I opens a account in XX/XX/2023!! I have enclosed my FTC report to equifax this is not my account I have no knowledge of this fraud account and would like for them to remove this from my account!! Please verify the address and the signed agreement so I can go after these criminals
Product: Debt collection

i moved to florida in 2017 and i left the apartment in XXXX, this information was sent to XXXX XXXX. Yet my gas was still running. I wasnt aware of it until i got a XXXX bill here in florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX requested a copy of my credit report Experian. I did not authorize them to do so.
Product: Credit reporting or other personal consumer reports

I had this item removed from my report because the information was inaccurate and the bureaus deleted the information from my report however several months later it was readded to my report without a reinsertion notice, also the credit bureaus never sent me proof of the Data furnisher certification.