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

I have sent in multiple FTC reports dating back to XX/XX/2022, police reports, and letters from actual creditors and bankruptcy courts showing that two XXXX XXXX accounts, XXXX XXXX bankruptcy, and XXXX XXXX XXXXankruptcy, and multiple inquiries were a result of fraud. XXXX and Equifax refuse to follow FCRA and delete these fraudulent accounts, as well as bankruptcies from my credit reports. Instead, I received a " verified '' letter after sending documentation from the courthouse and capital one stating they have no records of those accounts using my name and social. I have requested XXXX and Equifax that they send a method of verification within 30 days both failed to respond to the letters. This is beyond frustrating as I am in fact an Identity theft victim. These companies refuse to follow the laws in place to correct this matter. This is my final result before filing a small claim lawsuit for defamation.
Product: Vehicle loan or lease

I understand that was I was behind on my note. I asked the company for more time and they took the car without telling me that it would be repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Product: Debt collection

Dear Experian, I am writing to dispute an inaccurate entry on my credit report. Specifically, there is an auto loan entry showing in New York with the date XX/XX/year>, which I have never owned. Under the Fair Credit Reporting Act, you are required to report only accurate information. Therefore, I request that this incorrect information be removed from my credit report immediately.

The details of the disputed account are as follows : Account Type : Auto Loan Location : New York Date : XX/XX/year> This auto loan does not belong to me. I have never owned or co-signed for an auto loan in New York or at any other location. I request that you validate this information or remove it from my credit report. If this entry can not be validated, it must be deleted according to federal law.

I have enclosed a copy of my credit report highlighting the erroneous entry and a copy of my identification for verification purposes. Please conduct a thorough investigation and inform me of the results in writing.

Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/2021 there was a fraudulent wire for {$100000.00} going out for my account XXXX. I did not perform this wire and I need the bank to get back my money please.
Product: Credit reporting 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX $ and opened on XX/XX/XXXX was late on XX/XX/XXXX and XX/XX/XXXX. I intended to remove my late payment from my credit. Also, I have an Inquiry with XXXX on XX/XX/XXXX and would like to be remove from my credit. In addition, to XXXX XXXX on XX/XX/XXXX. Moreover, XXXX XXXX XXXX Inquiry done on XX/XX/XXXX. Also, XXXX XXXX Inquiry done on XX/XX/XXXX. Finally, XXXX XXXX done on XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed a copy of my updated Credit Report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX  XXXX Balance Owed : {$680.00} ; XXXX/XXXX XXXX Balance Owed : {$480.00} ; XXXX  XXXX Balance Owed : {$2100.00} ; XXXX  / XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1600.00} ; and XXXX XXXX  XXXX Balance Owed : {$4100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report because i'm in the market to buy a home. I noticed some items on my report that were not approved by me. Please remove these items from my credit report. This isn't fair and totally embarrassing. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. PH XXXX XXXX XXXX XXXX XXXX. I am doing this by myself and I also contacted the FTC and my local police.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion to remove two inquiries off of my credit report and they refuse to help me. The two inquiries are fraudulently. The first one was from XXXX XXXX XXXX XXXX and the second one was from Kohls on XXXX XXXX. I really need these off my credit report with XXXX. Also I reached out to XXXX  to remove inquiry off my account and the refuse to help me as well. Its from XXXX XXXX on XXXX XXXX also was fraudulent. Can you please help me!!!!!!
Product: Credit reporting or other personal consumer reports

Identity Theft Report : On XX/XX/year>, I filed an identity theft report with the FTC, which identified the accounts in question ( tradelines UPGRADE XXXX and XXXX ). 

Ongoing Collection and Reporting : Despite the identity theft report, these accounts were not promptly blocked or deleted from my consumer reports as required by the Fair Credit Reporting Act ( FCRA ). Instead, these entries remained on my consumer reports and I continued to receive collection attempts from multiple agencies, including UPGRADE INC, XXXX XXXX XXXX, XXXX XXXX XXXX. These communications lack proper consent and are misleading and violate my rights under the FCRA and FDCPA. 

Violation of Privacy Rights : The unauthorized sharing of my personal information with third parties, including consumer reporting agencies, is a gross violation of my privacy rights. I did not authorize this, and any alleged consent is hereby revoked. 

False and Misleading Correspondence : The fact that I received correspondence from multiple agencies regarding the same alleged debt is both false and misleading, further exacerbating the damage to my credit profile and causing significant stress. 

Inaccurate reporting : The unauthorized reporting of this alleged debt on my consumer report is not only a violation of my privacy but also contains numerous inaccuracies that violate the FCRA. These inaccuracies, documented in the attached screenshots, are causing significant harm to my credit profile and financial well-being.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604a section 2 it also states A consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666b 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: Debt collection

I continue to be harrassed and threatened by a person named XXXX XXXX at Citibank. I was a victim of identity theft over a period of years by a family member who is now dead. I have written numerous letters but they continue to assign various other debt collectors to harass me. I am a XXXX XXXX year old women who is quite ill from XXXX , and numerous complications. I can not sleep due to fear of these tactics. I have acquired identity theft protection from XXXX and XXXX, but Citibank continues to harrass me. I have reported the identity theft to the FTC. I will write another detailed letter to XXXX XXXX but I am currently terrified. I have sold my house to pay for as much debt as could possibly be mine. But, this card is not my debt, and I am so afraid of what will happen next. Surely, Citibank has other things to do besides terrify an older sick woman.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Date : XX/XX/year> ] Consumer Financial Protection Bureau Subject : Complaint Against TransUnion for Incorrect Deletion of an Account Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding the improper deletion of one of my open accounts, which, notably, has a perfect payment history. According to my understanding, this act by TransUnion constitutes a violation of the Fair Credit Reporting Act ( FCRA ) as outlined in Title 15, Chapter 41, Subchapter III, 1681 of the U.S. Code. 

The specific provision at issue is the handling of consumer reports, which states that consumer reporting agencies must furnish accurate and comprehensive information about a consumer 's credit status. My account, which was deleted without cause, reflects positively on my creditworthiness and should contribute towards my credit evaluation. 

Here is a summary of the issue : - The account in question was in good standing, with timely payments and no negative marks. 
- This account contributes positively to my overall credit XXXX, affecting my credit score and my eligibility for future credit and insurance.

The deletion of this account may lead to an inaccurate portrayal of my credit history and has the potential to adversely affect my credit score. Thus, I ask that TransUnion rectify this error by restoring the account promptly and providing me with a corrected copy of my credit report.

Please investigate this matter and provide guidance on further actions to ensure compliance with consumer protection laws by TransUnion. For your reference, attached are copies of my credit report indicating the deletion and relevant documents confirming my history with the account. 

Thank you for your assistance in resolving this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XXXX  XX/XX/2019 XXXX XXXX  XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX  XX/XX/2019 XXXX  XXXX/XXXX  XXXX  XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX  XX/XX/2019. Please remove these inquiries from my report as soon as possible.
Product: Credit reporting or other personal consumer reports

To begin with, Equifax and XXXX is still giving me a hard time in regards to them not allowing for me to dispute my average credit score at all. Last year I tried to dispute my Average Credit Score with Equifax and XXXX without the desired results. Despite the fact that I have a debt free credit report, Equifax and XXXX is still punishing me for it by keeping my score Average and not bumping it up to Excellent. Overall, they need to allow for average and bad credit scores to be disputed and to allow for everyone to communicate with them more easily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching an affidavit for identity theft in regards to XXXX XXXX XXXX XXXX and an account that was opened fraudulently in my name with them, allegedly. I did NOT open an account with this company and I have submitted an affidavit to this affect. I attach the affidavit to this complaint and demand the item be deleted from my credit report.
Product: Credit card or prepaid card

I submitted a dispute with Capital One about being charged for a service I did not authorize at XXXX XXXX XXXX. I had taken my car to XXXX XXXX for a flat tire repair, and authorized the {$10.00} charge, offering my credit card at that time. However, when my car was not returned after 4 hours, I found that they had erroneously replaced the tire on my car instead of repairing. I did not authorize this work, as would have been required both by company policy and state law, and refused to sign the work authorization form. However, they charged my account for {$57.00} anyway. 

Capital One has sided with the merchant because the merchant printed on their receipt, " no signature required for purchase. '' However, I did not authorize the amount charged. If I had purchased a {$0.00} candy bar and they had erroneously charged me {$50.00}, but printed this on the receipt would the merchant have been justified with siding with them in that case? No! So this argument is clearly flawed. 

Capital One has requested I provide documentation, and refused to reach out or speak to the merchant. However the only one with paper documentation, IS the merchant. Yet Capital One wont even call. 

They stole my credit card details by collecting them under false pretenses, then using them for a purpose other than I originally specified. That is fraud. Follow the law.
Product: Student loan

I completed a Navient Private Loan School Misconduct Discharge application on XX/XX/year>. Today, XX/XX/year>, I received an email that my discharge application was denied. The reason for denial was extremely vague & does not actually answer for why it was denied. I am a Veteran & I XXXX a fradulent school, XXXX, where my federal loans were discharged because of the fraud of the school. This is unacceptable. I need Navient to provide me a valid reason ( there isn't one ) for my application was denied. And I need to be given a chance to appeal this incorrect decision. 

The reason Navient gave me for my denial : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school.
Product: Debt collection

The company did '' nt follow procedures noncompliance civil liabilty
Product: Money transfer, virtual currency, or money service

They allowed me to buy their crypto ( Bitcoin ) and wont verify my account to allow me to withdraw it, Its been days. and Im worried sick because many people online are saying it takes months or simply no verification happens.
Product: Mortgage

see complaint # XXXX ( open ) and # XXXX ( why did you close this one ) Status of my complaint and all documentation proving the fraud ... ..please make bank of america compensate me for what they have done. 

On XXXX XXXX, 2008 I was set up by XXXX XXXX XXXX fraudulent transfer of warranty deed and XXXX XXXX Bank of America fraudulently finished me off. 

XXXX XXXX property fraudulently on XXXX ( who paid the money to do this since my policy did not take effect until XXXX? and I did not sign nor take possession until XXXX? ) -Effective date of title policy XXXX why this date? 

-I paid {$420.00} premium for XXXX XXXX insurance on what date did you receive payment? 

-Securitized pooling certificates do not transfer ownership EVER and they were FHA insured # XXXX. ( XXXX signed papers and title was clouded at signing title XXXX ) -DEED of Trust XXXX ( XXXX ) I never owned the property but I was lied to stating I owned the property for I made down payment and payments and a fraudulent warranty deed that stated I did. 

XXXX XXXX " states '' Bank of America had note XXXX AND investors were Bank of America NA see SEC filing from XXXX for securitized pooling certificates -XXXX Opened back door for illegal court recording and that is how XXXX ( new policy for new property owner for title policy/Company follows property -no recording fees-investors of XXXX ) and BAC ( foreclosures and FHA insurance on SPV certificates-Government bailout-investors of BAC ) made millions.. 

-property auctioned off XXXX - DEED of Trust recorded to Bank of America transferred XXXX after home auctioned off Remember XXXX in XXXX? 

After all these years of abuse, loss, homelessness I have continued a search for TRUTH as to what happened to me XXXX and XXXX. I was set up before I ever signed the papers on XXXX. All the players involved from the day I looked at the property located at XXXX XXXX XXXX, XXXX, MO XXXX until XXXX, all I was, was a file #, property address and property value. This enabled XXXX XXXX, all the people in between including XXXX XXXX XXXX and Bank of America to make millions of dollars off of all the " securitized pooling certificates. '' Social security number + property address + property value = revenue for XXXX and BAC Remember XXXX in XXXX? 

Not one of you saw me as a person with the hurt and pain that you put on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I have sent letters asking them to provide documents proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy.

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on! 

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. 

TransUnion XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.
Product: Mortgage

Through the loan application process, we were denied without reason by Wells Fargo. Once asked, they didn't specify or provided the right documentation from the application. They also didn't offer an alternative program once the application was denied.
Product: Vehicle loan or lease

Wells Fargo auto loan with no warranty on the vehicle. I smell carbon monoxide in the vehicle the repair is too expensive. I Couldn't negotiate lowering payments on the auto loan. The interest rates were too high. Forcing me into bankruptcy that i still couldn't make payments on No covid releif option at all. Also XXXX has over a dozen recalls on my vehicle I was not informed about. I had to find out on my own. I haven't received a letter yet. XXXX XXXX sold me the vehicle with no warranty. I wasn't aware of that. The bed liner doesn't fit in the truck properly. I had electrical issues ever since I pulled off the lot.
Product: Student loan

NAVIENT is the company that I pay my student loans through. When you make an over payment through their online tool, NAVIENT deliberately applies the over payment how they see fit every time. We over pay our student loans each month and we pay the minimum to one and the over payment to the other. NAVIENT will shuffle the money around how they see fit. Even though the custom pay option exists on the website, it is ignored and we have to call them so a supervisor can correct the issue. This is fraudulent as the average customer probably does not check back to ensure that the payments were applied correctly. 

They then do lots of transactions that is somewhat visible on the account history by loan but it is impossible to figure out exactly what was applied. I called three times for my last payment and I thought they finally got it right but when I added up the negative and positive transactions, the final payment is still short of what I sent them. So even after I call them and tell them the exact amount, they will not honor the payment. 

This is not hard, whatever I put in the custom payment boxes should be applied with a checkbox to apply the extra payment towards the current principle and not future payments. This is a deliberate attempt to get as much money out of people as possible. 

To correct this type of behavior, the person paying the loan, should have the option to choose a different loan payment company if we're unhappy with the current one. After all - they can simply sell my loan at their own leisure.
Product: Credit reporting or other personal consumer reports

REMOVE ALL LATE PAYMENTS FROM MY CONSUMER CREDIT REPORT WITHIN 7 DAYS 5 U.S. Code 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: Debt collection

I noticed my FICO score had dropped by over XXXX points in late XXXX. I obtained a credit report and noticed an account placed for collection that was not my account and had that I had never seen before. I filed a complaint online with all three credit reporting agencies in XXXX with no action taken by the bureaus. I have discovered that this is a common practice ( not a very thorough investigation ). On XX/XX/XXXX I sent a certified letter to the collection agency requesting that they remove the erroneous filing. I have not received any response. The name of the firm is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA  XXXX. The charge is for {$250.00} from XXXX XXXX. I have never heard of these companies nor have I ever had any transactions with them. My credit is spotless and this is a complete injustice. Also, disturbing is how a {$250.00} charge can reduce your FICO score by XXXX plus points. This system is broken! Please help.