23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

For over six months now NetCredit.com has been running applications with part of my information but luckily I do not think they have my actual SSN since none of my credit monitoring or FACTA alerts have been trigged. 

Every time they send me a XXXX I tell them I didn't apply and they claim they resolove the issue but a few weeks later I get another XXXX email. The name they have always seems to change and it changes to something offensive. The most common name they use is " XXXX XXXX XXXX XXXX ''. 

They keep promising me they will close " my '' account and stop harassming me but they havent. 

I believe someone is applying for the loans as a way to harass me and NetCredit is doing an amazing job of helping them. 

I have filed ID theft police reports every single time they harass me and give them a copy where I list the suspects. 

I am pretty sure these applications have been submitted by the XXXX family of for worth and XXXX TX XXXX XXXX lives in XXXX XXXX and her brothers XXXX and XXXX XXXX live in the XXXX area. 

Perhaps Netcredit can send them cease and desist letters to get them to stop since they cant manage to block my email address. 
the email address they are using is XXXX XXXX
Product: Mortgage

Several months ago I applied to Rocket Mortgage as my XXXX XXXX XXXX dad passed on XX/XX/year> ( unexpected accident ) after purchasing house XX/XX/year> together. 

My fathers passing I lost {$4400.00} per month income and needed time to regroup so I could continue paying mortgage. I was phoned and told to wait for additional team information that refinancing wasnt going to help me. Then weeks later I got email stating my fathers passing wasnt a hardship?? 

My fathers income was important enough during underwriting but now my loss of household income isnt a hardship? Sounds predatory lending to me after all I never once hid why my father and I were purchasing house due to his girlfriend kicking him out of her house and due to blindness I had to take care of him etc. I also am XXXX. 

If knowing a XXXX XXXX XXXX could die at any moment why did they proceed with mortgage oh yes because they wanted what was in his savings account for closing costs etc not caring that my income would force me to lose my home as I only bring home {$2600.00} a month income. 

I merely wanted a forbearance for 6 months with repayment being at end of 30 year mortgage but Rocket Mortgage online says they are still reviewing my application for help and that they will reach out to me. Nobody has other than mailings telling me Im over 30 days late ( {$1500.00} will be late as if XXXX XXXX as I have 14 day grace period ). So why does my credit report says Im 30 days late for {$3000.00}????? Predatory lending!!!
Product: Debt collection

I discovered the identity theft and notified BB & T/Truist on XXXX XXXX. After several months and contacts, I received a notice from Truist that it is a fraudulent account and was closed. Today XX/XX/2022, I received a notice from a debt collector XXXX XXXX XXXX that they are trying to collect {$200.00} on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$5900.00} ; XXXX XXXX XXXXXXXX Balance : {$6300.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

This is in reference to the account XXXX. 

XXXX does not have an account associated with the service address Mountain Run Solutions is trying to collect on for XXXX XXXX XXXX XXXX Texas XXXX. 

We signed a contract With XXXX  in XXXX. We moved service locations to XXXX XXXX XXXX XXXX Texas XXXX in XXXX. We notified XXXX in XX/XX/XXXX via phone call and letter we were moving and wanted to cancel service. This was confirmed by an agent. We have not lived at that address since XX/XX/XXXX. Apparently the new owner of XXXX was paying for the service until XXXX. I dont know. 

On the phone with XXXX I was told we signed a contract in XXXX ( and that is the debt being collected on ) yet this contract has not been produced by either party. 

Neither company is being direct or honest and both of you are refusing to look into this matter. 

XXXX billing department, you need to deal with this collection company and get them off my back. I do not owe this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I disputed that you are reporting inaccurate information and to please validate and update this this account ( XXXX XXXX ) to paid as agreed. To this day it has not been updated as requested. FCRA states that information must be verifiable and 100 % accurate! This account does not have ( Term 74 months ) I have not signed a contract with 74mos. nor have I ever been late on this account. 

I Demand that this account be updated immediately to " PAID AS AGREED '' or I will file for ligation due to the stress you have caused me.
Product: Checking or savings account

On XX/XX/23 I received and email from XXXX with an invoice {$550.00}, I didn't know why because I never made any purchase. I first check my bank account and there are no new charges. So I call XXXX or the phone number on the email. The phone picks up please wait for the next available operator. Someone gets on the phone asking how they can help me. I explain and he reply 's, no problem I can check on that for you. We go through the process for a long period of time. After the entire scam process, I was out of {$13000.00}. from my Chase Bank account. My argument with Chase Bank is how the hackers got into my account to begin with and able to make my account showing withdrawals and deposits that I had nothing to do with. My other argument with Chase Bank is when I came to the bank to withdraw a large sum of money, once for {$9600.00} and one for {$1500.00} why I wasn't asked by the teller what the money was for and if I knew who I was giving it to or familiar with the business or establishment I was dealing with if any, warning me of possible potential fraud. I would think that would be a common question especially with Chase Bank or any other large bank. Chase and the teller must be aware of many different fraudulent situations occurring everyday. Myself, an average consumer with no fraud or banking experience, would not have this knowledge. It is on the financial institution to safeguard their customers money and educate them especially when customers are withdrawing large sums of cash. So I have contacted an attorney and if this cant be resolved, that will leave me no other recourse but to take the appropriate legal action along with sharing with the news media and social media and whatever other means I can find. 

I have attached a detailed explanation of this scam along with detailed documents and police report. Please read in its entirety so this doesn't happen to you!
Product: Money transfer, virtual currency, or money service

Money disappearing from my cash app account on more than one occasion.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion has failed to conduct a reasonable investigation into disputed negative items on my credit report, including bankruptcy, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to TransUnion regarding inaccurate negative items on my credit report. In my letter, I requested specific information on how TransUnion verified the disputed accounts, including : The date they contacted the creditor Contact information for the creditor Name of the person who verified the item Method of communication used to verify the information Whether the creditor provided my Social Security number, address, and date of birth for verification To ensure proper verification of my identity, I included copies of my proof of identification, my Social Security card, and a recent utility bill. However, I received a response from TransUnion dated XX/XX/year>, stating that they would not process my request because it " didn't appear that you or a properly authorized third party sent it to us. '' This is inaccurate, as I personally submitted the dispute with all required documents. 

Under the FCRA, credit bureaus are required to conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of any information in their credit file. TransUnions refusal to investigate my dispute, despite receiving all necessary documentation, constitutes a violation of my consumer rights under the FCRA. 

The disputed items include : Negative payment history and additional inaccuracies that TransUnion failed to properly investigate. 
Bankruptcy : The information regarding the bankruptcy is inaccurate and incomplete. 

I am including copies of my original dispute letter sent to TransUnion on XX/XX/year> and TransUnions response letter dated XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My personal financial information has been used without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am writing to notify you that I have been the victim of identity theft. I am requesting that you release me from obligation for this debt and alert credit reporting agencies and collection agencies. I appreciate your consideration of this issue in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a joint account student loan that is reporting inaccurately, I have tried many, many times to contact the creditor and the credit bureaus to correct this issue. There are several inaccuracies across all three credit bureaus, how can three different bureaus report differently. These are two accounts with the same account number.? 
XXXX/XXXX XXXX XXXX/XXXX XXXX Both of these accounts are reporting differently across all three credit bureaus and has been for years, I have tried to no avil to have the information report correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my balance on my XXXX XXXX credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XX/XX/XXXX. I left the matter alone and was notified with my credit report later that the account had not been removed as promised. I 've disputed the claim with XXXX and equifax XXXX times with each company. Each time the dispute comes back as 'verified as accurate '. This was not the agreement I had made when completing my payments and my credit reports need to reflect that accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some things on my credit report that I didnt know about along with some other stuff that is incorrect. I am a victim of fraud. 
Please remove the following items : ( Accounts ) Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I notified this credit bureau that I am a victim of id theft. I sent them my supporting documentation over 30 days ago and still have not received a response. This information on my report does not belong to me and needs immediate attention. this is in violation of the fair credit reporting act
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute to Experian regarding inaccuracies on my credit report. I provided all necessary documentation to verify my identity, including a copy of my government-issued ID and proof of address. On XX/XX/year>, I received an email from Experian stating they could not process my dispute because they were unable to verify my request. This response ignored the complete documentation I provided, and no investigation was conducted into the disputed items. 

Experian 's failure to properly investigate and resolve my dispute appears to be part of a broader pattern of misconduct. The CFPB 's recent XX/XX/year> lawsuit against Experian highlights that the company routinely conducts " sham investigations '' and fails to address consumer disputes in compliance with the Fair Credit Reporting Act ( FCRA ). My case aligns with these allegations, as Experian has not taken sufficient steps to investigate my dispute or resolve the inaccuracies on my credit report.
Product: Credit card or prepaid card

I had ordered a shirt and two wallets from XXXX XXXX back in XX/XX/XXXX for the amount of {$1200.00} being charged on my gold American Express card. The signature was required which is great because my parents were home. I got home from work and the box was tampered, it had a slit on the side with tape.. i took pictures before i even opened the box. As i was opening the box i started to take more pictures because i noticed the only thing inside was the wrapping paper and thats all. None of my items that i ordered were there and so i then called to see what was going on and my American Express opened a dispute on this, i just got rebilled for the full amount Im not sure why and i dont understand how either. They spoke to someone in the dispute department and told me that XXXX said on their end that the package was delivered. YES the box was delivered but with nothing inside and it was tampered. How is that my problem? I dont understand how i have to be liable for something i never received. I still have the pictures i took so Im attaching them to this. Thankyou
Product: Credit reporting or other personal consumer reports

I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) consumer rights to privecy and confidentiality under 15 USC 1681. I Would Like XXXX XXXX XXXX to furnish a XXXX  because The account was marked as a charge off they were to send me a XXXX  and I have not received a XXXX, and if I don't receive the XXXX  they filed within 15 days. and never received one via the mail or anything I will be filing a XXXX  with the XXXX  as that is considered tax fraud since I haven't received a XXXX. I would like this account removed from my credit report or furnish the XXXX. continuing to furnish information to my report that by law is wrong charge off is considered income by the irs
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB Complaint to request that the reported accounts on my Credit File be corrected and updated. The Credit Bureaus ' efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be removed immediately. 

XXXX XXXX XXXX Balance Owed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File ? I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. 

XXXX XXXX Balance Owed : {$0.00} Equifax is reporting a deleted account from the other Credit Bureaus. This account was already deleted and yet you are still reporting this Account! According to the Fair Credit Reporting Act, reporting of accounts and information must be accurate. I need this account deleted as soon as possible.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3 rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of XXXX XXXX. 
When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of XXXX XXXX and evidence of your willful disregard of the law. 
Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

pen fed credit union reported on XX/XX/XXXX that my personal line of credit had a balance of XXXX when I paid my loan in the amount of XXXX on XX/XX/XXXX which was before the due date. I do not understand why incorrect balances are being reported. this is the second time. this is unfair to customers who pay their bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with XXXX regarding the issue with my account # XXXX being paid in full on XX/XX/XXXX ... She advise me that the account was closed and should have been removed from my credit report. However, I am being given the run around on the phone because she says that her department doesn't submit that communication, their third party collection agency called Credit Collection Services @ XXXX. I paid the creditor directly on their website to resolve the past due and it has been paid in full. The communication to the debt collection agency department should have sent the requested communication. I need some assistance, I work full time, and with my children in virtual learning I am stretched with trying call, then waiting hold for a long period of time to speak to no one and get no where, then to have to call back again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I tried calling and kept getting hung up on. An account was opened based on my XXXX and Equifax account, for XXXX XXXX XXXX It reads I have a {$230.00} balance on a card with a {$300.00} limit. I have no recollection of this account. It reads it is a XXXX XXXX opened on XX/XX/2022.
Product: Vehicle loan or lease

Credit acceptance is the company that has mislead me with the paperwork at signing. I was not suppose to be an owner or co owner of the vehicle that was purchased from my ex. I only gave my ex a vehicle to trade on for his new vehicle and was only told that I was signing the paperwork for that paperwork and in fact the company forged my signature on multiple paperwork