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

SEE ATTACHED DOCUMENT OF MY STATE ID AND ALL XXXX CONSUMER REPORTS WITH PREVIOUS REQUEST. 

I have already attempted to remove these addresses back in late XXXX it has now been OVER 30 DAYS per FCRA as a federally protected Consumer i am now opting out of any and all authorizations that i the consumer may have given. per 15 UCS 6802, effective immediately as you are hindering my ability to obtain credit.
Product: Checking or savings account

On XXXX XXXX a deposit amount from my employer was sent to the PNC bank using a generic routing number that is PNC owned. The funds were never deposited into the account. The funds are holding due to the routing number not being correct. I was told I would have to wait for the funds to be rejected in order to have the funds deposited into my account. I was also told that the funds could be moved by the ACH department immediately. Upon speaking with them, I was told it could not be done. If the account information is correct the routing number was PNC owned why were my funds not sent to the account. I was told per XXXX and XXXX that they were behind in there work and I would simply need to wait. That is not my problem they are short staffed or behind why tell a 10 year customer that.
Product: Mortgage

Caliber Home Loans sent me the attached letter dated XX/XX/XXXX proving that they violated the FDCPA by sending out signed Notices of Trustee Sales and posting them on my property without any individual taking responsibility for trespassing on my property. It is clear evidence that a company called XXXX XXXX allegedly signed a CERIFICATE OF POSTING without a real human being signing it violating the FDCPA. Also, in their extensive letter Caliber fails to address how I had a balance of {$920.00} plus {$1100.00} and paid them {$4900.00} in taxes, as shown on my XXXX XXXX IRS Form if as they alleged in the Chapter XXXX BK I filed I did make the payments as agreed during XXXX? Also they violated Federal BK Laws by not applying my post petition payments correctly and charging my at least {$410.00} in late charges and other fees of {$350.00}. I would like an Accounting done on all regular payments made during my BK in XXXX asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed unanswered disputes by mail, email and fax and collection company placed three negative information on my bureau reports without answering disputes.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance : {$30000.00}.
Product: Checking or savings account

I opened a checking account with PNC Bank in XXXX. they have held my funds since opening and refuse to make my funds available. 

I electronically deposited 3 of my payroll checks and 1 check from my father. they sent me a letter questioning the authenticity of the checks. I went into the branch and showed them my ID and the hard copy of my pay checks. they still refuse to reimburse me or give me the checks back to deposit elsewhere. 

the deposits total over XXXX XXXX dollars and I need my money for bills. 

please help XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX CARD on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX CARD on XX/XX/XXXX with a balance of {$5400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Collection : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  NV ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$590.00} Repossesion : XXXX  XXXX Balance : {$9200.00} Chargeoff XXXX  XXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I checked my credit report because I was denied a house and noticed fraudulent activity on my credit report. I immediately went to the local police dept to submit an identity theft report. According to XXXX XXXX TransUnion XXXX, credit reporting agencies are supposed to ensure the maximum possible accuracy. After becoming aware of the fraudulent accounts, I sent a letter out to TransUnion with a copy of the police report attached and asked to remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Any and all information as to the balances on my student loans has been taken off the Mohela website. I have requested several times that I recieve the transcripts from my loans and that it needs to include the balances that were consolidated from the original loan servicer. They have only provided me with a letter of discharge stating that my loans have been paid in full. Not even including the amount that was paid in full. I know that prior to consolidation of my loans from XXXX XXXX that I had amounts paid to XXXX prior to moving over to Mohela. I have been informed that all of the previous information pertaining to my loans would have been transferred to Mohela during consolidation! I am tired of the run around and I want the money that is owed to me, as well as all transcripts pertaining to the loans and the amounts from XXXX as well as Mohela. I have call XXXX XXXX XXXX, Mohela, and XXXX for almost a year now only to keep getting put off on the next company. I also asked for written proof of the payments that have been sent to me seeing that it has not come in XXXX lump sum, but in smaller checks, and I have not a clue when or if I have recieved all payments sent. I have not recieved any of that information either!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Family Educational Act of 1974 which states " educational institutions are NOT allowed to share information with third parties ''. Reporting agencies are 3rd parties
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX  XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX & XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX account ending XXXX I settled and closed this account in XX/XX/XXXX. The high balance was {$1600.00} ( see attached statement dated XX/XX/XXXX ). After agreeing to settle and close the account XXXX has continued to report a high balance of {$13000.00}. I have disputed this many times to all 3 reporting agencies. Last fall I initiated a dispute with CFPB which triggered a change in reporting. However, Now XXXX is reporting a high balance of {$13000.00} in XX/XX/XXXX ( see attached report from XXXX  ). Not only are they still WRONG they have moved the date this will clear from my credit reports 4 years into the future further damaging my credit. Please help me get this cleared up. It is high time this account is completely removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed hard inquiries that do not belong to me on there
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XXXX XXXX, XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 
To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Vehicle loan or lease

Recently purchased a vehicle from Carvana. I was unable to get XXXX ( warranty company that Carvana uses ) to agree to repair a few cosmetic flaws during the XXXX return period, so I took it to the mechanic on day XXXX. I was called by the repair facility the next day and told that my vehicle had some issues that needed to be addressed. I was told that my vehicle was definitely in an accident and it had not been repaired properly. I was told that a " safety bar '' had been completely broken. That's an important piece of vehicle to keep passengers safe in the event of an accident. I immediately notified XXXX and Carvana. I was told to make sure that the repair facility provided photos of the broken piece. Repair facility did that. I called XXXX again and my estimate was escalated. It was denied. I called Carvana. I spoke to management. I was told that if XXXX didn't approve the repair then I would have to pay for it myself. I was very specific when asking what Carvana could do to make my car safe enough to let my children ride in, when I was told there was nothing that could be done. I can't afford a {$25000.00} vehicle that I can't put my kids in safely. I really like the car. I just want it fixed properly. I'm paying for a vehicle that has been wrecked for the price of XXXX that hasn't. I contacted the financial institution that carries my loan ( I haven't even had a payment due yet ) to see if they were able to help me make sure the car was safe .... they said there wasn't anything they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Statebridge, Attached please find Response letter from XXXX XXXX XXXX XXXX , XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXX XXXX XXXX XXXX 

We have been advised that Statebridge Company transferred servicing of account # XXXX to XXXX XXXX XXXX who sent the attached IRS Form 1099A. 

It appears that per the attached XXXX Loan  Schedule that there is no account # XXXX on the schedule for property : XXXX XXXX XXXX XXXX, FL XXXX We are requesting your assistance with obtaining a corrected IRS Form 1099 that would accurately reflect the account #, lender and amount. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my credit report, I discovered an inquiry that I believe is inaccurate and unauthorized.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

CREDENCE RESOURCE MANAGE. 
Continues to state I have a collection account for {$340.00} for XXXX XXXX XXXX. I never received written communication from XXXX XXXX XXXX or Credence Resource Manage for any type of account. This account was the result of a fraudulent act committed by a criminally abusive boyfriend who had access to my private information. He had no permission to use my information for his phone plan. They continue to post this on my credit report and I have to relive the pain caused by him each time they deny my dispute. I just want this to be over with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened>> XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX different XXXX loans on my credit report. I did not have any business with any. The one XXXX XXXX educational has the largest amount I never heard of. I thought that part of my loan was removed. I find out that they increased the amount that they claimed I owe is not the amount that I owe. I believe it is a scam. The other one is XXXX who has been calling my voice message again. I do not owe anything with them. I thought all of the loan was removed years ago. This is what I asked for. They were there on my credit report causes my credit score to downward XXXX points. I think that this a scam to use against XXXX people, and lowering my credit scores is one way that has been used in the past, and hopefully not again.
Product: Credit reporting or other personal consumer reports

There are several inaccurate addresses my address is XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information which lead to a data leak that impacted my personal data. Additionally, I 'm upset with how Equifax handled their mistake. I was never personally notified that my data was leaked, and had to find out via social media and check for myself if my data was impacted.
Product: Credit reporting or other personal consumer reports

The company sent an approved forbearance notice for XX/XX/2024-XX/XX/2024 However, the company reported the account as late for XX/XX/year> and XX/XX/year>. I have been denied access to other opportunities because of the recent dates of reported late payments by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to inform the CFPB, XXXX and XXXX that I am a victim of identity theft. XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) XXXX and XXXX is in violation of 15 USC 1681b ( 2 ). I never given XXXX and XXXX who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that XXXX and XXXX is a CRA that assumed its roll as congress said they are and elaborate mechanism. XXXX and XXXX has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand XXXX and XXXX to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by XXXX and XXXX without authority or consent, to commit fraud and furnish a consumer report on my behalf.
Product: Mortgage

I requested a payoff quote for my mortgage. I received the quote via email. I then paid the entire sum. A few days later I received via email another " payoff '' quote stating that I owed {$250.00}. When I contacted the company they did n't really explain what the additional amount was for. To clarify whether or not I had paid the correct I returned to the original email containing the " first '' payoff quote. It had been changed to {$250.00}, and not the original sum. This is fraud. A company should n't be able to change an original document in an attempt to mislead people into making " extra '' arbitrary payments. The company is Nationstar Mortgage. In addition, during the time I had the loan I paid the payments online the first of the month when they were due. However, despite making timely payments I would receive a monthly statement saying that I paid the mortgage late, and that I owed an additional {$40.00} late fee. I believe this is also FRAUD. It certainly is dishonest. It is possible that other people made unnecessary payments after receiving these statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern My credit reports from XXXX, Equifax, and XXXX have a fraud alert placed on them. This fraud alert is affecting me of getting approved for credit cards. I want it permanently removed from my credit report immediately I have mailed the credit bureaus letters but I never received a response and the fraud alert never came off Attached is my identification documents. 

Please remove the fraud alert right away. 

Thanks