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

sent Transunion LLC USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX which was received by them XXXX when I called them 10 days later, they said they " did not know '' if the information had been scanned. 
Then I got a form from Transunion LLC indicated they needed more information- ALL information needed was included in the package sent to them USPS- the Representative transferred the call, and the wait time was ridiculous ; and the designated dispute representative indicated they couldn't confirm receipt of the information packet that was sent to them Tracking # XXXX XXXX XXXX XXXX XXXX XXXX to try and log onto their " site '' is impossible ... typing in SSN multiple times, and no clear indication of username and password. 
XXXX  Tracking # XXXX XXXX XXXX XXXX XXXX Package Delivered XX/XX/20 XXXX  Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Package Picked up XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want it to be removed from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft LENDCLUBBK Account Number : XXXX This is not mine.
Product: Mortgage

Account number Mr COOPER - XXXX property address XXXX XXXX XXXX, XXXX, Ga XXXX, In XXXX was refinanced into a predatory interest only loan. It has now recasted and my XXXX dollar loan is now a balance of XXXX. I requested modification and they have advised Me COOPER formerly Nationstar who took over servicing the loan that it is a predatory loan and they have failed to take action against XXXX XXXX and help me. I applied for the modification but my payment went up not down so it intentionally causes me hardship and suffer no help me. My {$800.00} payment went to {$2400.00}. I made the first payment of the modification in XX/XX/XXXX and when I went to make XX/XX/XXXX payment that was due by the XXXX of XXXX they would not let me pay over the phone on the automated service, they would not let me pay online, and when calling the hold times were over an hour each time to try to get a rep to answer and did not offer automatic ach. Now their policy is if you miss one trial payment you cant apply for another XXXX mo even if your financial or medical situation has changed, therefore people lose their homes because you cant reapply as Georgia is a non judicial state and they can take your home in less than 120 days. I want out of this interest only XXXX subprime loan from XXXX. Their policies are causing me to lose my home and I am requesting the stop of the foreclosure. The interest accrued of over XXXX. I requested a 30 year loan to bring the payment lower they refuse to work with me. Please step in as I should only be responsible for the original loan amount I was not aware it was interest only at the time. The investor needs to reconsider and stop the sale date and Mr COOPER should not have a policy that if someones situation changes that they have to wait XXXX mo to reapply. Please investigate and hold them accountable for for internet finally causing harm to me to lose my home by ignoring g the fact they are aware its a predatory loan. Whenever I call the modification department they refuse to consider any options to reduce payment and have only increased it. I want to stay in the home but it is in their best interest to issue a forbearance or put it on hold and I can try to XXXX it in XXXX mo or reapply for another modification. In their modification department they refuse to try to help me and have disc outages me at their team level supervisor guiding them to tell me that their is no point in reapplying and giving their personal opinions saying it will get rejected. This is not helping me as a consumer. If a foreclosure goes on my credit thru will be liable for defamation of my credit because they are not proactive in modifying my loan or reinstating the modification offered. How do you go from XXXX a month to XXXX. This is supposed to be a hardship assistance and it is the opposite. It is causing me harm with this predatory interest only loan.
Product: Checking or savings account

MY ENTIRE IDENTITY WAS STOLEN ALSO USED IN BREACH COMPROMISED BY XXXX. WELLS FARGO ONLINE/BANKING USAGE BY MY FAMILY.
Product: Debt collection

I send them a certified letter that they received on XXXX/XXXX/16 and i have not received a response. I would like this removed from my credit report.
Product: Payday loan

Cash store calling 6 times a day on top of that cotton wood financial I guess is an affiliation calling my friends cell. Advised im a non profit payment plan. They did n't care was asked for me to have them send a letter. Family credit faxed them a letter still getting harassing calls they do n't want to release the loan to collections so they can still charge me outrageous interest rates.
Product: Checking or savings account

On XX/XX/year>, this XXXX bank told me they were closing the account an gave me a confirmation number for the closure. XXXX XXXX XXXX # XXXX. There was a {$53.00} balance and I was told a check would be mailed to me. I never received a check after over 3 weeks. I called in again on XX/XX/year> and asked them why I haven't received a check for my {$53.00} and was told they hadn't closed my account. I said, I have a close confirmation so why is that? They made up some excuse. Now when I try to close it they are giving me the runaround. They are going to charge me another monthly fee in XXXX despite having told me the account was closed in XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian on XX/XX/2018 about the dispute I submitted today regarding an alert I recieved today. XXXX XXXX XXXX showed a collection item with XXXX XXXX XXXX XXXX, but was unable to validate it with me. 

Experian fraud resolution stated that they don't have to get documents, they verity only the name, address, creditor, and balance. I said even if the account is NOT my debt. I requested that they verify the debt by getting contracts, payment history, or something to validate that debt is legitimately mine, or if they can't validate it to remove it immediately. 

They said they are in the process of investigating it. 

Sent XXXX  a dispute requesting the same account validation stating that it was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent certified letters to XXXX, XXXX and Transunion regarding an error on my credit reports regarding XXXX XXXX XXXX. In these letters I stated that they were reporting this an an open account which is not under FCRA compliance. I also stated that there was account number with XXXX and it wasnt the full account number and on the other reports there was no account number at all. Also the dates are not the same and being reported as past due which is also not in FCRA compliance. All bureaus should be reporting the same information all around the board. While examining I noticed that the account was updated instead of being removed or corrected. I will attach an image of the reports showing all the errors as well as the certified letter receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts for several months and I have not gotten any responce...
Product: Credit reporting, credit repair services, or other personal consumer reports

SCHRONHY BANK, SYNCB, QVC, PPMC PULLED MY XXXX WITHOUT PERMISSION. I HAVE CONSIDER FRAUDULENT.
Product: Checking or savings account

Now a law firm working for someone got inside information from a county employee and used that information to garnish her ssi retirement savings for XXXX dollars and used my name again first that money was not mine in any way shape or form and I didnt even bank at bankcorp south when they ducked the rest of her money out leaving her savings wiped out and making it look like it was my fault Im no lawyer but I dont see how in the world any of this could be legal in any way shape or form. It went from bad to worse as I was dragged to jail after a level XXXX  XXXX offender stated to a XXXX county deputy XXXX XXXX that I tryed to run over him he accuses me of trying to run him down officer XXXX  beat on me in the jail in front of of other officers and jailers screaming I know your playing possum on me until a nurse was called up front she told him to get me to the emergency room now and he loaded me up and dropped me off at the local er XXXX XXXX XXXX where they tryed to XXXX   me with a XXXX XXXX XXXX in charge of the er and officer XXXX   went home I wan na get as much of this out as possible because I fear for my life now I have been set up I local towns for ludicrous charges and am still going to deal with this whole county is so dirty I never really could have reached 10+-ye are I need the help of the federal law inforsement agency thats in charge of this or I will be XXXX  by this time next year they are trying to beat me down but I have all the documents supporting my facts and if I dont they will be a fake document issued by local government and police judges and clerks backing up my statements thank you very much for your time and I pray to god thi didnt fall on deaf ears Ive never been in trouble with the law or anybody in my XXXX  years of life now all this has happened in a less than two years I know this for a fact if someone wee to administer polygraph exam I would take it first and let all the other people go after me I know what the outcome would be I could pass a million questions they cant pass any hes wainting to arrest me now! The city council in XXXX XXXX is dirty so Im assuming that the ones in XXXX XXXX and XXXX  are as well its way to much to list here but thats a start XXXX XXXX XXXX Arkansas XXXX thank you
Product: Credit card

A BestBuy ( citi ) credit card was opened in my name on or approximately XX/XX/year>. During this time 2 purchases were made for a total of {$2200.00}. At this same time a XXXXXXXX XXXX XXXX was opened in my name for approximately {$800.00}. I immediately reported both cards as fraudulent reporting they were not opened by me. XXXX found that it was fraud quickly and removed it from my credit report. BestBuy ( Citi ) has twice now denied my fraud claims. I've provided my information and license both in XXXX as well as end of XXXX on a second claim. This card had to have been open without my license because I did not lose my license. The investigation has continued to find that it was not fraudulent despite it clearly not being me who opened the cards. I advised that XXXX found it was fraudulent but that did not make a difference. I also advised at the same time I recently renewed my lease which could've lead to my information being available to any parties there. My credit score is now suffering because BestBuy / Citi and they will not properly investigate the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CREDIT CARD HAS REPORTED THAT I WAS LATE 4 YEAR AGO AND 5 YEARS AGO ONCE. I PAID MINIMUM PAYMENT ON THIDS ACCOUNT AND ANY ACCOUNT WITH XXXX. I ASK FOR INVESTIGATION THROUGH FAIR CREDIT REPORTING ACT XXXX, XXXX AND XXXX. THEY BROKE DTATE AND FEDERAL LAWS BY NOT DOING INBESTIGATION RIGHT. I NEVER MISSED PAYMENTDS WITH XXXX XXXX CARDS. THEY NEED TO SHOW ME ALL THE SECTIONS ABOVE AND HOW THEY CAMR TO ONE LATE ACCOUNYT WHICH FOR FACT I PAID.
Product: Credit reporting or other personal consumer reports

I sent certified mail to Equifax, XXXX, XXXX XXXXXXXX XXXX demand for arbitration on XX/XX/year>. I sent over my 1099 C to have them to update correct account information. The documents are attached. All accounts listed are PAID IN FULL & with corrected amounts XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Account was paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of XXXX as shown by such filed 1099-C. I have allowed 30 days and I will contact legal authorities and also file the necessary complaints XXXX, XXXX, and whomever. You have 10 calendar days to act on the demand for arbitration.
Product: Debt collection

This collection agency called me several times about an unpaid bill from a utility. I informed them each time that my real estate agent had ordered stoppage of service and a final bill that I had paid, but that my request had been ignored. Previously, I had dealt with the utility on the same subject. They called me a liar. All other services had been turned off because we had moved everything out of the home.

Again, my real estate agent called them to shut off power and gas. As I had moved out of the home, I was unaware that they had ignored the request. The text of an email from the real estate agent is below:

Begin forwarded message:

From: XXXX XXXX  
Subject: XXXX XXXX XXXX XXXX XXXX
Date: XX/XX/XXXX at XXXX XXXX PDT
To: "XXXX   (XXXX)" 

Good Afternoon XXXX XXXX!
We just wanted to let you know that the utilities for your property will be taken out of our name as of tomorrow, XX/XX/XXXX. We will be forwarding the bills to you once we receive them.
Thank you very much!
XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Heres a revised version of the letter addressed to the Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Dispute of Unauthorized Transactions Reference # XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding Huntington Banks refusal to dispute several unauthorized transactions on my account. Despite multiple attempts to resolve this matter directly with the bank, they have informed me that they can not process disputes within the standard 60-day period, citing liability concerns. This seems to contradict the regulations under the Electronic Funds Transfer Act ( EFTA ), which provides for a 60-day window for disputing unauthorized transactions. 

The transactions I am disputing are as follows : XX/XX/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 I contacted Huntington Bank to dispute these transactions, and their representative informed me that they could not assist me due to liability concerns. However, I believe this is inconsistent with federal regulations and am seeking your assistance in resolving the issue. 

I kindly request that the CFPB review this matter and provide guidance on how I can proceed. Please advise if further documentation is needed to support my claim. 

Thank you for your attention and assistance in this matter. 

Sincerely, XXXX XXXX Reference Number : # XXXX XXXX XXXX
Product: Mortgage

Applied for a refinance loan and Navy federal Credit union On or about XX/XX/XXXX, Loan was denied for the followings as indicated in Navy Federal Credit Union XXXX dated XXXX XX/XX/XXXX received via regular mail on approx. XX/XX/XXXX. 
As per conversation with XXXX XXXX  as point of contact indicated in letter regarding customer inquiring about errors of no liens nor construction on property. 
Customer requested proof of appraisal and proof of Liens as Navy federal indicated. 
XXXX. No liens on Property since XXXX. 
XXXX. No adjustor to confirm any construction on property. 

XXXX XXXX had customers telephone privileges terminated. 
Customer is XXXX and XXXX  therefore customer request telephone privileges restored.
Product: Credit reporting or other personal consumer reports

As I previously reported in my last complaint. That went completely unaddressed. I am showing no data for XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX XXXX, XXXX - XX/XX/XXXX, and XXXX XX/XX/XXXX. 
I am not asking for an re-investingation. I am stating that there is information missing.
Product: Checking or savings account

Back in XX/XX/XXXX I was a victim of identity theft, there were several bank accounts opened, credit cards and loans applied for without my consent. I was unaware of this until XXXX when I went to apply for a XXXX XXXX XXXX Account and was instructed to contact XXXX XXXX XXXX. The Bank Account that was fraudulently opened was Regions, I have personally disputed this account with regions and was told that the account was created online and there was nothing further that they could do as the account was closed with a fraud alert attached. Since then I have been trying to have this account removed as I did not open the account and Regions have no valid proof that I opened the account online.
Product: Credit reporting or other personal consumer reports

I HAVE SUBMITTED IDENTITY THEFT REPORTS AND THE CREDIT BUREAUS REFUSE TO REMOVE FRAUDULENT ACCOUNTS FROM CREDIT REPORT.
Product: Debt collection

I had medical procedure done at the XXXX XXXX XXXX XXXX which is In XXXX XXXX covered 100 % by my medical insurance. 
Before procedure I have obtained, as required, referral from my medical group and follow all required by my insurance instructions. My insurance coverage is 100 % with no co-payment. 
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX did not follow procedure and claim was never submitted to my medical group. My medical group has no record of this claim. 
I informed both, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the collection agency ( Merchants Credit Guide Co. ) to submit properly the claim to my medical group or send me the denial note so I can follow up with them. 
For any unpaid bills, they should contact my XXXX XXXX directly. I already sent multiple times front and back of my insurance card ( XXXXXXXX XXXX XXXX XXXX  tel # XXXX ).
Product: Credit reporting

I DISPUTED A COMPANY ON MY REPORT CALLED XXXX. I HAVE NEVER HAD THIS CREDIT ACCOUNT. I CHECKED MY ACCOUNT AGAIN AND NOTICED EQUIFAX CHANGED THE NAME TO XXXX AND THEY WONT DELETE.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

They are trying to force me to set up automatic payments by saying that starting XX/XX/2018. Any one time payment on the website or their app will be charged a {$3.00} fee. To avoid the fee I must set up automatic payments OR mail in the payment by using a check.
Product: Vehicle loan or lease

I went into XXXX XXXX XXXX  and received a loan for a XXXX XXXX XXXX and was not informed of my rights as a consumer. The dealership did explain to me that i was granting " GREENSTATE CREDIT UNION '' security interest in my vehicle. I entered into thi

s contract agreement " without : I. Full disclosure of my right to rescind II. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). I have reason to believe that 'XXXX XXXX XXXX '' willingly and knowingly took advantage of me and my consumer credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXXBalance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I disputed this account to say that this is not my account. The creditor could not verify my social security number for this account. There is a totally different social security number. The account was removed from the XXXX  Credit report but not all 3 credit bureaus as was it should be. I tried to dispute this again in XX/XX/2020, but still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These below accounts have violated mt rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has recently divulged my information without my consent to an unknown number of people and/or companies. This information includes but is not limited to : Full Name, SSN, Date of Birth, Current and Past Address, and Credit Card Numbers. This has resulted in fraudulent information appearing on my credit report.
I have taken put an Initial Fraud Alert and a Security Freeze on my identity.
To my knowledge, Equifax has offered to help consumers determine if they 've been affected but try to force consumers to wave arbitration if they choose to check if they been impacted.
Product: Consumer Loan

I am an owner of 2012 XXXX XXXX XXXX in great condition with approximately XXXX miles. The vehicle has XXXX open recalls that I have been waiting to have fixed for over 18 months. I recently sought to purchase a new vehicle and was told by XXXX separate national dealers ( XXXX and XXXX ) that my vehicle is ineligible for trade in due to the open recalls. Chrysler does not have an anticipated time frame for when the parts will be available in order to correct the problem. Meanwhile, I am unable to utilize the value of my vehicle to have it applied to the purchase of a new vehicle.