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

I have been a victim of identity theft. I've been receiving bills in the mail for a couple of years now and just never payed much attention to them. My credit report recently got pulled and I wish I would of found out sooner of the outrageous amount of accounts that have been open under my social security number. Please remove all these accounts from my report. 

XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$420.00} XXXX XXXX  XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Mixed file with XXXX XXXX, which has caused our credit reports to merge.
Product: Money transfers

I have had a Rush Card for the past 2 months with no problems. On this past week my payroll deductions did not go onto my card. I have called several times to speak with customers service but i get no answer, the phone hangs up automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the dates of XXXX XXXX XXXX I have called equifax literally a dozen times to fox the issue why my credit report is unable yo be pulled or why I am unable to access my free credit report and they have each and every time given me the run around as to why I am unable to access it. I am in the process of buying a home and this is ridiculous. It takes 10 minutes to get through all the automated messages and then the phone call is outsourced to someone with XXXX  English that doesn't have a clue as to what is going on with my account. I am lite trying to access my credit report and purchase a home.
Product: Credit reporting or other personal consumer reports

Credit companies are reporting in accurate information on my credit report, such as XXXX  XXXX and other companies
Product: Debt collection

I asked to cancel my membership once I had hit the one year term and they refused to cancel the membership Beacuse I was behind on 2 payments mind you prior to this request I had asked to cancel 3 months prior Beacuse I was pregnant and had health issues and they told me I had to wait a year. After the year I called to cancel and they refused until balance was paid
Product: Credit reporting or other personal consumer reports

Despite multiple attempts to resolve this matter and request a thorough investigation, the credit bureau has consistently verified the account without providing substantial evidence or conducting a comprehensive review. 

I have raised this issue with the credit bureau on numerous occasions, and each time, the response I receive is that the account has been verified with a last update as of XX/XX/2021. However, this verification lacks transparency as it fails to provide specific details or documentation proving the validity of the reported account. 

Moreover, I personally contacted representatives from XXXX XXXX XXXX who have informed me that they do not have any record of an account associated with my name or information. Therefore, it is perplexing how an account can be reported as mine without proper validation or confirmation from the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 a letter was sent in regards of the in accurate information.
Product: Credit reporting or other personal consumer reports

My vehicle is XXXX $ paid off, I was on time with my payments for a years. I was unemployed trying my best to keep up with my payments, however not only did Chase report late payments they came and repossessed my vehicle, which I paid to get back and they still keep reporting late payments. I asked on several occasions for them NOT to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any. purpose.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX allowed XXXX to report false information which is causing me great harm and making it hard for me to apply for housing and necessary credit. XXXX has been posting missed monthly payments on a charged off account from XX/XX/XXXX on my Trans union credit report. They reported that my last Payment was on XX/XX/XXXX which is in-accurate and that I missed payments of XXXX in XX/XX/XXXX & XX/XX/XXXX on a charged off account. By them reporting erroneous information it has harmed my payment history. I sent a certified letter to Trans Union and XXXX  in XX/XX/XXXX asking that the account be deleted due to its many in-accuracies. There results was them only confirming and updating the same information and only deleting the missed payments in XX/XX/XXXX & XX/XX/XXXX which was against the law from the beginning. The last payment was XX/XX/XXXX in the payment history not XX/XX/XXXX and they really did not update anything. XXXX  was the only one company that caught the many mistakes and remove it completely from my report.
Product: Bank account or service

XXXX appraisal fee not refunded after closing failed on refinance attempt in XXXX of 2015.chase bank XXXX XXXX XXXX XXXX Zip codeXXXX.The appraisal fee shoud have been incorporated in closing cost ... .but commission broker too money and not responding to numerous voicemails and emails.His manager has done the same after the branch manager emailed him to contact me.possible pocket of funds due to thinking I am not entitled to appraisal fee refund.NO appraisal fee was warranted at time to refinance.They are playing dodge ball ... .thinking I will give up ... ... .please help me ... thanks
Product: Credit reporting or other personal consumer reports

I'm contacting you once more concerning a critical issue. Despite my previous alerts, my credit report still shows unauthorized inquiries due to identity theft. While you have eliminated some, additional ones persist and new ones have been recorded. It is legally required that you expunge all such inquiries. Thus, I request that XXXX, XXXX, and TransUnion Credit Bureaus erase all illegitimate inquiries mentioned in my identity theft report. Below are the items I request to be removed : 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 XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated [ XX/XX/2024 ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on, auto loan, account [ XXXX XXXX XXXX account number XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. I am writing to file a formal complaint against XXXX XXXX XXXX due to the lack of response to a credit dispute letter I sent on [ XX/XX/2024 ]. Where XXXX XXXX XXXX violated my rights by law, that it did not respond to me in more than 30 days as stipulated by law, where I requested that it provide me, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that it has adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN I didnt consent to these Inquiries Also, the Names are Incorrect and Addresses are Wrong. 

Correct Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Title 15 U.S.C 1681 B False activity without Written Consent Title 15 USC 1681 C-1 Without Written Consent it is considered Identity Theft Tile 15 USC 1681 C-2 Didnt Notify me of the activities and are still there
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I applied for a home equity loan. I was told that there was a charge-off from XXXX XXXX that remained unpaid and open. That account belongs to my husband who had filed for personal bankruptcy protection on XX/XX/year>. The amount in question at the time was for {$3500.00}, it had since accrued interest and is around {$4000.00}. I signed up for Equifax, XXXX, and XXXX to dispute the error with no success. I am requesting that this information be removed from all three credit bureaus. I would also like a copy of my new credit reports reflecting that change.
Product: Student loan

I spoke with several representatives regarding a late payment of 90 days to my account. The first rep advised they would fix the late payment after a dispute letter was mailed in showing where it was reporting. 2nd rep provided the same details and info on consolidation. 
To remedy the issue with them I entered in a Deferment/Forbearance for my student loan. This is the same type of agreement this company, Navient was recently sued for and had judgement awarded, but these are the only options available. I mailed in the dispute letter, however, have not received any written communication yet, but spoke with them. They advised they are declining the retraction of the late payment after advising me they would update and change. They even advised consolidating the loans after the late payment was removed. I am confused why they would advise this, not honor it, and proceed to report the account in various ways on my credit reports. 
My concern is that as a consumer my rights are being violated by the account reporting differently with each major credit bureau. There are many inconsistencies with the account on each bureau including the addition of the late payment. The account shows closed with one bureau, open with another and recently reported as of XX/XX/22. 
As a consumer, my rights are clearly being violated. It is my right to have fair, accurate information reporting on my credit reports. The information Navient is reporting is inaccurate and has been causing harm to me for the past seven months. Please advise on next steps. I really need help resolving this matter. It is hindering me from moving into a place, purchasing a vehicle and so many other important things to survival. 
Thank you!
Product: Checking or savings account

On XX/XX/23 I realized my Chime physical debt card was missing, so I checked my checking account online and noticed that there was 7 fraudulent out of state transactions in XXXX XXXX and XXXX  ranging from XXXX XXXX totaling {$1200.00} I immediately called Chime to report this and filed a dispute through their fraud department and my debt card was cancelled and Chime told me it would take 90 days to investigate and resolve this issue. The next day I was double checking my account and notice another fraudulent transaction that I missed in the amount of {$14.00} so I called Chime back reported this, they told me this would have to be filed in a separate dispute which they did and told me I would also be contacted regarding this second dispute so on XX/XX/XXXX I received an email from Chime stating that no error had occurred and no funds will be credited to my account, however they did give me credit for the second dispute of {$14.00} which was confusing for me being that both disputes were fraudulent. I was very upset and called chime to get an explanation on how this was declined and not fraudulent, Chime provided me with a document with questions and answers to my original dispute, they suggested I provide them with any supporting documentation to help prove my case that they will open and review my case again. I then filed a report with the XXXX XXXX XXXX and submitted a copy of that report to Chime 3 days after. On XX/XX/XXXX I received email from Chime stating the same rejection letter stating that no error had occurred and that my account will not be credited any funds. I dont know what else to do. Chime has not obviously investigated this matter, I asked them how is it possible that someone out of state can charge {$850.00} on my account and I not be alerted or notified, they have no answers for me, I have never been to XXXX XXXX or XXXX  where this fraud occurred. These are dates and amount of all charges. 

XX/XX/XXXX {$18.00} {$850.00} {$31.00} XX/XX/XXXX {$47.00} {$29.00} {$1.00} XX/XX/XXXX {$230.00} {$14.00} The only charge they credited my account was for XX/XX/XXXX {$14.00}
Product: Money transfer, virtual currency, or money service

I am filing against Cash App due to inadequate customer service and unfair, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving but account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I never authorized XXXX XXXX to run my credit for a vehicle all the vehicles that Ive owned in the past or present. Ive always went to my credit union for that long. Ive reached out to XXXX XXXX to see if they can send me a purchase agreement or any information, showing proof of me allowing them to run my credit and they have not yet
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed a lot of unauthorized XXXX  inquires on my report. Some of the inquires are there more than once, I reached out to the companies that put the inquiries in and they told me to contact the three major credit bureaus. Ive done that and still have been getting the run around, this has been hindering me for s long time. The XXXX Department Of Education should not be reporting in my credit under 15 u.s code 168 1 ( 5 ). This account is in violation and is not reporting 100 % accurate, it list that The Department Of Education is the furnisher. Thats foregory and misleading. When the schools dont report this type of accounts. XXXX XXXX XXXX  should not be listed on my credit on report as well, Ive never did any business with that company nor did I authorize those accounts.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I am a XXXX Veteran, using my VA loan. I purchased this house in XX/XX/XXXX. The house came with a separate lot, that has nothing on it, with a separatelot # and legal description. My intention was to sell this lot to pay off bills. When Itried to sell it, the mortgage company said I had to own it for one year before Icould sell it. XX/XX/XXXX, I refinanced at a lower interest rate, and to sell the lotright away. I have many emails from 360 mortgage saying that after we refinanced, we could sell it right away. On the day of signing the new papers for mortgage, Ihad to call 360 mrtg to ensure that it could be done right away. I was told yes, andthat I had to sign papers that day as they were time sensitive and would all have tobe redone if I did n't, so I signed them. Now, here we are in XX/XX/XXXX, and it all is nofurther than in XX/XX/XXXX. I spoke to the VA company, and was told that it can be done, and that 360 mrtg is just not doing it, and wants to charge me all these fees on topof the {$8000.00} some dollars they have already charged me. My realtor has also been involved in this entire process and can attest to everything, and has also receivedemails stating it will be no problem. Ca n't I sue them for breach of contract, since I have proof of what tey said? They are 360 Mortgage Company.
Product: Money transfer, virtual currency, or money service

When using the XXXX app, it displays my bank account informati incorrectly. Preventing me from using the service. XXXX says that its because my bank ( PNC ) will not communicate with them to update my account information in real time or at least within a 24 hour buisnis day time frame. XXXX app suggested to make a complai on this site
Product: Mortgage

My loan was transferred from XXXX XXXX ( servicer for transfer BSI Financial ) to XXXX ( XXXX  payment hub for XXXX ). XXXX XXXX  never made me aware of the transfer. XXXX XXXX said they sold the loan on XX/XX/XXXX but I was not made aware until I received two XX/XX/XXXX statements, one from XXXX XXXX and XXXX. Not only that, I have a statement from XXXX XXXX for XX/XX/XXXX which I paid on XX/XX/XXXX for {$1500.00}. If XXXX XXXX had sold my loan on XX/XX/XXXX why did I get a statement for XXXX and XXXX. XXXX sent me letters of delinquent payment but I was not aware that my loan had been sold, the fact that I had a statement from XXXX XXXX for XXXX and XXXX. I have been in daily contact with XXXX XXXX and XXXX since XX/XX/XXXX when I discovered the issue. The inability for these two companies to process the transfer is astounding. Now it is past the 60 day protection and things still haven't been resolved.
Product: Credit reporting, credit repair services, 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with TransUnion for over 6 months letter of violations on my credit report XXXX { 1 } No last date of last activity { 2 No name or address of collection company listed } { 3 } showing a past due balance violation { 4 } account not listed under new owner { 5 } NO notice of dispute from creditor in the past 6 months FCRA623 and FDCPA806 { b } which states that a creditor must enter a notice of dispute if this is not entered the account can not report on the credit report, which puts you Transunion in violation.

the account which I sent you the disputed information fact evidence that DSRM can not show any documentation that its my account or I used it reported in 2014 fraud to you.

remove this account, All information to you was sent through the CFPB and OCC remove this account at once there should not be an 60 day investigation on your violations from your self. I do have all documentation from the start of this dispute with dates that show your report show no dispute
Product: Debt collection

I have contact XXXX XXXX several times, and every time I dispute the amount shown on my credit report they indicate I owe it to them. I asked them to show me proof of my signature and all they send back is that the debt is valid. I would like for them to show me my signature for the loan they say I owe. They have still yet to provide me with proof.