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

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, Transition is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. See attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau : I am contacting you because I understand that the Consumer Financial Protection Bureau helps consumers by providing educational materials and accepting complaints, and that your bureau supervise banks, lending institutions, and large non-bank entities, such as credit reporting agencies and debt collection companies. I submitted a request to Experian on XX/XX/2022 showing that there are incorrect information being reported on my credit profile. I requested that they validate the inaccurate inquires on my credit report with the companies as I demand to see verifiable proof of any original documentation associated with these inaccurate inquires accounts bearing my wet-ink signature, authorizing an inquiry. I sent Experian a certified letter letting them know that the info was incorrect and it has been well over 45 days and I have not gotten response as of today XX/XX/2022. 



The Fair Credit Reporting Laws are in place to ensure that bureaus only report 100 % accurate credit information therefore the below inquires needed to be investigated. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights. Also according to Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to physical verify the original signed consumer contract, any and all accounts that you post on your credit bureaus credit report. I am respectfully requesting that the Consumer Financial Protection Bureau assist me with having these fraudulent inquiries accounts removed from my credit report as they have hurt my ability to obtain credit. Under the FCRA, I also requested that if Experian was unable to provide me a copy of verifiable proof, that they must remove the inaccurate inquires accounts from my credit report. In closing, I would like to thank you for taking time out of your busy schedule to review my request! 



Please let me know the outcome of this request. 



Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$110.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX {$2800.00} XX/XX/XXXXXXXX XXXXXXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XXXX  15 U.S.C, 1681section 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 an 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 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

Dear CFPB, I would like to investigate the account listed below as if is not reporting correctly on my credit report XXXX XXXX XXXX I am feed up with the 3 credit bureaus XXXX XXXX XXXX, and TransUnion for not responding and rectifying my problem in a timely manner and not following the laws and rules that they agree to. I sent out letters to them on XX/XX/2022 and XX/XX/2022 and still haven't had anything done these accounts showing on my credit report is not correct. I'm asking your company to handle this matter and get these credit bureaus to correct these inaccurate accounts. From my understanding this law FCRA623 ( a ) ( 8 )
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEW MY CREDIT REPORT I NOTICED SOME HARD INQUIERIES IN MY CREDIT REPORT THAT ARE NOT RELATED TO ANY OF MY ACCOUNTS AND DID NOT GIVE THEN PERMISSION TO RUN MY CREDIT. ACCORDING TO U.S.15 1602 P PLEASE HAVE THESE INQUIRIES REMOVE FROM MY CREDIT REPORT.
Product: Debt collection

I applied to attend the college. I was told my FASFA would not come in enough time to enroll me in classes for the institution. Unaware they still are charging me for classes I was told i could not attend. I feel this should be removed from my credit score given the situation.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, FLXXXX ; XXXX **** Balance Owed : {$4600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I HAVE REACHED OUT SEVERA TIMES TO THE FURNISHER EXPLAINING THAT SOMEONE OPEN A FRADULENT ACCOUNT IN MY NAME WITHOUT MY CONSENT. IM A VICTIM OF IDENTITY THEFT, ANYONE CAN OPEN A FRADULENT ACCOUNFT ONLINE. AS A CONSUMER I AM RESPONSIBLE TO MAKE SURE THAT ACCOUNTS THAT REPORTED ON MY CONSUMER REPORTS ARE ACCURATE. THIS ACCOUNT DOES NOT BELONG TO ME.
Product: Bank account or service

On XXXX/XXXX/2017, I noticed several unauthorize transactions on my eppicard card that was issued to me through child support in XXXX. I immediately called eppicard customer service while the transactions were pending and asked them to stop the transaction because they were not mine. 
I was told by the rude and angry customer service rep that there was nothing they can do about those transactions, I would have to let them go through and call back in three days. The next day I notice that the transactions had gone through so I call back and spoke to a customer service supervisor who basically told me there was they could do that I had to file a fraud complaint and maybe I would get my money back in 90 days, based on the decision. 
After getting this disturbing answer, I tried to look for the Eppicard Card Corporate Office and found out they really do n't have one. In addition, there are XXXX similar complaints on the Consumer Affairs website, complaints filed with the Better Business Bureau, here and many other agency and websites and nothing has been done to rectify this. 

Please help! All I want is my money back!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several iteams on there to be inaccurate. 
Under U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum posible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if afther any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

For over two weeks I can not get into my finance account because the company, Credit Karma, refuses to give my serious issue any consideration. I sign into Credit Karma with my fingerprint, it goes through, then asking for my password, it goes through, then they send a code to my email, I get the email with code and type in the code, it goes through. HERE 'S THE PROBLEM, then they send a text message to my phone with a code, I DO NOT RECEIVE THE TEXT MESSAGE!!!!! So I can't complete the login to my account. I've called them 30 times, emails stating the same thing over and over again. I even suggested they remove my phone number off my account and then put it back in, they ignored me. The ignorance is intolerable. I asked for my account balance and was told they aren't allowed to do that. I am a 100 % service connected XXXX XXXX XXXX veteran. So the other day all my ferderal benefits went into my account and I had no control over my finances. This is going on 3 weeks now.
Product: Mortgage

Good Day My husband and I are veterans and applied for a VA IRRRL with Arcus lending because we received a letter in the mail stating that we qualified for the refinance. Since starting the process communication with the loan officer has been very scarce. We keep getting the run around, and are being told various different information that isn't true. They told us we could save 2 months of mortgage payments and get our escrow money back, they said our loan had been approved but then we received a email stating it was still in the approval process. We started the process in XX/XX/XXXX and they said we would be able to close in XX/XX/XXXX, it is now XX/XX/XXXX and we still don't have a closing date or any updated information about the status of our loan. I've tried to get in contact with the company and no one is available. Every number goes to a recording that says to leave a detailed message. I've called and texted the loan officer and I have not heard back from him. This company has all of our information ran a credit check and everything and now I feel as though I need to ensure our identities haven't been stolen. The manor in which this company conducts their business is unprofessional, and as veterans I feel as though we have been taken advantage of. The loan officer says he is part of a veterans mortgage company but in no way shape or form have they helped us. They just promised a lot of stuff and haven't followed through and now I am concerned about my person information that was sent to this company.
Product: Mortgage

WE HAVE A 30 YEARS FIXED VA LOAN MY HUSBAND IS A VETERAN XXXX 'S ELDERLY XXXX XXXX HIS SPOUSE ELDERLY 100 % XXXX .CARRINGTON MORTGAGE SERVICES IS SERVICING THE LOAN HAVE NOT APPLIED XXXX MORTGAGES PAYMENTS MADE XXXX, XXXX AND XX/XX/XXXX THEY HAVEN'T PLACED BACK IN OUR 'S ESCROW ACCOUNT {$4600.00} ILLEGALLY AS NOT AUTHORIZED OR EVEN DUE IN XXXX XXXX THIS AMOUNT IS MISSING FROM OUR 'S ESCROW ACCOUNT CARRINGTON NEVER SENT THE REQUESTED DOCUMENTS ESCROW ANALYS, MONTHLY MORTGAGE STATEMENTS HAVE REFUSED TO LET US REPAYING XXXX 10 MONTHS FORBERANCE DIVIDED IN XXXX OR 16 MONTHS THEY REPORTED A FALSE LOAN BALANCE OF $ {$590000.00} TO ALL CREDITS BUREAU 'S THEY REPORTED US ILLEGALLY XXXX OUR 'S CREDITS WITH THE XXXX BUREAU 'S XXXX XXXX AND XX/XX/XXXX FALSELY XX/XX/XXXX WE PAID {$4500.00} TO STARTING PAYING OUR 'S MORTGAGES THE MONEY 'S DISAPPEARED THEY ARE REFUSING TO REIMBUSED US {$1000.00} FOR A REFUND CHECK ISSUED BY CARRINGTON TO XXXX XXXX XX/XX/XXXX MAILED TO US XX/XX/XXXX XXXX CAN NOT BE CASHED. BECAUSE EXPIRED THEY CHARGED XXXX WITH LATE CHARGES ILLEGALKY UNDER THE VA XXXX XXXX AND XXXX XXXX XXXX ILLEGALLY LATE UNDER THE COVID XXXX EMERGENGY LAWS THEY NEVER MAILED XXXX OUR 'S MONTHLY MORTGAGES STATEMENTS WE HAVE ONLY 2 MONTHLY STATEMENTS LATE FEES LATE CHARGES ALL KIND OF UNFAIR ABUSES AND ILLEGALITIES WE ARE SUFFERING AND HAVE SUFFERED ILLEGALLY NOW BY PHONE THEY TOLD XXXX THAT THE XXXX TRIAL PAYMENT 'S NEVER REQUESTED OF {$5000.00} HAVE BEEN CANCELLED THEY NEVER REPLIES OR SENT ANY LEGAL INFORMATIONS REQUESTED ALL THE REQUESTED ESCROW ANALYSIS RECORDS THE PAID PROPERTY TAXES RECORDS THEY TOLD XXXX THAT THEY WANTED ILLEGALLY MODIFIED OUR 'S LOAN WITH VA VETERANS INTERESTS FROM 2.875 % 30 YEARS FIXED LOAN TO 7.92 % predatory INTERESTS FOR A LOAN MODIFICATION NEVER REQUESTED WE WERE IN FORGIVNESS PROGRAM AND WE GOT APPROVED OUR 'S BALANCE OF 10 MONTHS FORBERANCE IS XXXX AND WE WANTED TO RESUMING OUR 'S MORTGAGE PAYMENT 'S IN FACT WE PAID XXXX XXXX {$4500.00} WE NEED HELP WE HAVE BEEN ABUSED I CALLED XXXX VA THEY GIVEN THE PERMISSION TO CARRINGTON MORTGAGE SERVICE TO INCREASED OURS VA XXXX XXXX POINT TO 3.875 % THEY ARE NOT REPLYING TO XXXX EMAILS WE NEED HELP ASAP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX has violated my rights. 

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
Product: Debt collection

I contacted Aldous & Associates to advise them that payment was made directly to XXXX. The rep became hostile and stated I still owed the debt. I informed the rep to contact XXXX to verify the payment was submitted and the account was cleared. The rep declined and started shouting on the phone. The rep did not allow me to speak and he was very disrespectful. 

I told the rep several times to stop contacting me, because the account was paid off. He refused XXXX is the name of the rep
Product: Credit card or prepaid card

case XXXX acct ending in XXXX The bank has become increasingly unwilling to answer any questions I have they have a case and they have a case number they know my credit card account and they know my name but they send me a letter asking me to confirm all of that information acting as though they don't have it but clearly you have to have it because my name and address is already listed on the letter the account number is listed and the case number with all the information is listed I don't understand why the bank is being so difficult but they have all the information I want them to resolve the case it's that simple
Product: Credit card or prepaid card

PayPal Credit by Synchrony Bank OnXX/XX/XXXX I made a purchase of {$550.00} using 12 month easy payment financing, expiring XX/XX/XXXX for purchasing a XXXX vacuum. 

I have other outstanding 6 month same as cash items that expire sooner XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I made payment of {$430.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX. Payments have been applied to the XXXX purchase instead of the soonest expiring balance. My expectation is 1 payment of {$45.00} would be applied to the 12 easy payments and the balance applied to the other purchases. 12 easy payments, means 12 easy payments not unless you pay extra on your account and we apply that to this first as well. 

At best this is deceptive business practice. At worst this is a fraudulent attempt to have older transactions expire to collect the deferred interest. 

I have been told I will have to call to make payments and instruct the person how to apply the payments every time. I have also been told that they will correct the misapplied amount, however this will not be reflected in my account for 30 days. Making corrections applying payments is not a 30 day process. Again this is a attempt to defraud. 

I mapped out my payments and budgeted accordingly before making purchases. Their method forces an extra {$500.00} payment ahead of the payment schedule. Prior to Synchrony, PayPal Credit applied payments as described in my expectations. How payments are applied should be predictable by the title of the credit offer. Easy Payments are ( Monthly Amount ) = ( Total Purchase Amount / # of Payments ). Same as cash in XXX months should be applied to the soonest expiring first. Protect the consumer from being defrauded by the lender. 

Synchrony also does the same allocation and correction process with other accounts that they offer, specifically Amazon Store Card.
Product: Credit reporting or other personal consumer reports

I've noticed some unfamiliar items on my credit report, suggesting potential identity theft as I did not authorize these accounts. This issue has been previously discussed, and I'm now requesting immediate removal of these accounts from my report. Their presence is causing considerable stress as they do not accurately reflect my credit history or financial management. Dealing with this situation has been challenging. If necessary, I am prepared to pursue legal action to safeguard my rights and seek resolution. These inaccuracies pose a significant obstacle to achieving important financial objectives, such as purchasing a home and supporting my family. I sincerely hope for a prompt resolution to this matter.
Product: Credit reporting or other personal consumer reports

This account belongs to someone else the last four of they social is XXXX mine is XXXX
Product: Checking or savings account

I couldnt close my checking account, then two months later there was like 6 brand new checking accounts and savings accounts opened under my name. I called them several times to close them because i never opened them
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice 1 had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After examining my credit report, I noticed listings for supposed late payments. However, more than 30 days ago, I sent correspondence regarding these entries, but I have not received a response, and they have failed to provide adequate validation to support these alleged late payments. I kindly request your help in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card

Company sent bills to wrong address that I have not lived at for over 3 yrs. I asked for a statement and they denied sending the statement to my address. I did not open the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an collection reporting from associated credit I have on numerous occasions mailed documents to associated credit requesting documentation to what this may have been. They have no once responded to my request. I don't believe an investigation has been done in this matter.
Product: Credit reporting or other personal consumer reports

When shopping for a car the dealership i went to said they wouldnt run my credit to any of the banks they were just going to check it internally and yet they ran my credit to many different banks XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website.

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA There should only be XXXX address in my report, which is : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX  The only job I need listed is : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address