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

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.
Product: Vehicle loan or lease

I was approved for a XXXXXXXX XXXX the car was acting up so I brought it to the XXXX XXXX and the mechanic told me that the transmission is going out on the car so I told XXXX XXXX about it and they didnt do anything about it and credit acceptance didnt also so I brought the car back to XXXX XXXX and left it there for them to keep
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

A few years back I moved my federal student loan to a private loan through a company called Earnest ( owned by XXXX ). During the process I feel that the company didn't make it clear that my loan would no longer be federal. So I lost any federal forgiveness incentives and even during the pandemic my loans are accruing interest. This is highly unfair to me as a borrower that information was not presented clearly.
Product: Mortgage

My name is XXXX XXXX XXXX XXXX, the mortgage account number is XXXX. This loan is with Banco Santander de Puerto Rico. 
At XX/XX/2015 I was working a Loss Mitigation process with the Santander Bank in Puerto Rico, at the same time the bank was filing motions to the court with the intention of executing the property. In This case the debtor was submmited the Loss Mitigation Package complete and the bank indicated the alternative was aproved are a payment plan but at the same time the bank and your legal representation submmited to the court a motion in continue the foreclosure process. This action is in total violetion with the Regulation X and incurred in " Dual Tracking ''. 

Respa indicated the following : " The rule restricts dual tracking, where a servicer is simultaneously evaluating a consumer for loan modifications or other alternatives at the same time that it prepares to foreclose on the property. Specifically, the rule prohibits a servicer from making the first notice or filing required for a foreclosure process until a mortgage loan account is more than 120 days delinquent. Even if a borrower is more than 120 days delinquent, if a borrower submits a complete application for a loss mitigation option before a servicer has made the first notice or filing required for a foreclosure process, a servicer may not start the foreclosure process unless ( 1 ) the servicer informs the borrower that the borrower is not eligible for any loss mitigation option ( and any appeal has been exhausted ), ( 2 ) a borrower rejects all loss mitigation offers, or ( 3 ) a borrower fails to comply with the terms of a loss mitigation option such as a trial modification. 

If a borrower submits a complete application for a loss mitigation option after the foreclosure process has commenced but more than 37 days before a foreclosure sale, a servicer may not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, until one of the same three conditions has been satisfied. In all of these situations, the servicer is responsible for promptly instructing foreclosure counsel retained by the servicer not to proceed ''.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My information was exposed during a data breach. There are several errors on my credit report including inaccurate names and addresses which are associated with several inquires and charges. Accounts that have been paid but not reported and companies on my report that I have never done business with or have a contract with nor was I aware of any debts being sold. I contacted the credit reporting agencies on XX/XX/year> to remove and update this information however they still exist on my credit reports.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit. With me using Zelle and reporting my discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. This lack of of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This account was included in a bankruptcy discharge and resolved in XX/XX/XXXX-XX/XX/XXXX, I disputed this fact with the creditor, with documents yet they keep sending me threating emails. The failed to send me debt validation, just threatening emails and calls.
Product: Vehicle loan or lease

Got a XXXX XXXX  XXXX  from credit acceptance in XXXX fell behind on payments but car ended up flooded in hurricane Harvey..had no insurance..company wrote car off and got paid plus wants money from me still
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information section is incorrect.I would like my information updated because it is wrong thank you
Product: Debt collection

We have an ongoing dispute open with XXXX XXXX XXXX XXXX, Lease # XXXX, regarding services that have not been properly rendered as per agreed upon in the contract. We have tried to communicate directly with XXXX XXXX to remedy the problem, and we have made a payment in good faith, but XXXX, XXXX has been unresponsive in remedying the trouble we have had concerning the Solar panels installed on our home. Please be advised that we would like to solve this issue as soon as possible with XXXX, XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTIFICATION OF DELINQUENT ACCOUNT CREDITOR : XXXX XXXX XXXX XXXX Lease # XXXX Reference # XXXX Past Due Amount {$1100.00} The above-mentioned matter has been referred to this office. This communication is from a debt collector attempting to collect a debt ; all information obtained will be used for that purpose. 



Unless you notify this office within thirty days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will assume this debt is valid. If you notify this office in writing within thirty days after receiving this notice that the debt or any portion of it is disputed, this office will obtain and mail you a copy of the verification of debt or a copy of the judgment against you. If requested by you in writing within thirty days of receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 



All payments must be drawn payable to 'Kehoe Financial Group ' and sent to the address at the top of this letter. 



The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX or after XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The credit hit has blocked me from getting approved for a mortgage and the payment has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX ACCOUNT # : **** 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have a bunch of issues with American Express and this complain will include at least 4 different issues that I am having with my American Express accounts. I have 5 different accounts with American Express and recently I have been receiving terrible customer service and by terrible I mean customer service agents who are transferring me from one line to the other and giving me contradicting or even wrong information at times. They are friendly and trying to help but if they can't solve the customer issues then it's not good enough. 

1 ) First issue has to do with my amex premier rewards gold card ending in XXXX. I got this card XX/XX/XXXX and put over {$2000.00} in charges on it however I can only see the charges from XX/XX/XXXX and that's it. Everything before that is like it never happened. I contacted the customer service team about this numerous times and they keep promising to raise tickets to customer support and get back to me and nothing happens. Where are my transactions from the day I got the card? 

2 ) Second issue is that I submitted a request to move negative balance of around {$10.00} from my premier rewards gold card ending in XXXX to my XXXX card ending in XXXX on XX/XX/XXXX. I was told it typically happens within 72 hours. I call today to ask about the status and the agent told me that I just submitted the request yesterday and I need to wait. I told her I am sure it was a week ago and she said she doesn't see that on the system. 

3 ) Third issue I tried to allocate available credit from my XXXX ending in XXXX card to my XXXX XXXX everyday card ending in XXXX and it just won't go through even though I have the credit available. I want to transfer {$200.00} from XXXX to XXXX XXXX XXXX. Customer service told me they can do that over the phone and still couldn't do it even though they asked for my annual income and other information! 

4 ) When I opened my Everyday card ending in XXXX in XX/XX/XXXX I didn't receive a points welcome offer instead I received an offer to get a higher credit limit after using and making on time payments on the card for the next 5 or 6 months and if I never received a credit increase on that card during that period ( which I didn't ). Attached is a screenshot of the email that I received that confirmed the same information on the original Offer Terms that I agreed upon while applying for the card. It's been over 7 months since I got the card and I never received that promised increase and Its obvious that this is an automatic increase that should happen on its own without me going through the hassle of manually requesting it. 

I like American Express and I have 5 different credit accounts with them as well as savings account and ran a lot of charges across all of my accounts in the last months. So I would like those issues resolved in a timely manner because having different issues across different accounts with the same issuer is not optimal.
Product: Credit card or prepaid card

Received a mailed offer from AAdvantage/Citibank in my name with a specific code offering a XXXX mile bonus with XXXX XXXX if I spend {$3000.00} in 3 months. I applied and was accepted, receiving the card on X/XX/17. I then spent {$3000.00} within 3 months. I did not receive the bonus and contacted Citi. They said because I had the card previously and closed that account within 24 months, I did not qualify for the bonus. The mailed offer did not state this, and the information received with the card makes no mention of this. If I did not qualify for the specific offer that I applied for, I should have been denied the card, not sent a new card, indicating acceptance of their offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service that a request for my TXXXX credit report had also been made by XXXX XXXX XXXXT-WH XXXX XXXX XXXX XXXX , MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. On XX/XX/XXXX and XXXX,XX/XX/2019, respectively, I received letters from XXXX XXXX XXXX ( XXXX XXXX and LexisNexis Risk Solutions ) and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding JPMCB Auto and the inaccurate reporting of a charge-off on my credit report. 

I an auto loan account on XX/XX/year>2024. However, the lender never received my first payment and charged off the account by XX/XX/year>2024. The charge-off timeline is unusually short, as charge-offs typically occur after 180 days of delinquency. This suggests either a reporting error or an internal issue with payment processing. 

I disputed this with XXXX, XXXX, and XXXX, but they verified the account without providing proper documentation or proof from JPMCB Auto. I then requested a Method of Verification under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), but the credit bureaus failed to provide sufficient proof that JPMCB Auto validated the debt. 

Key Issues with This Charge-Off : 1.Contradictory Reporting : The account history states never late, yet it was still charged off. If I was never late, how was it charged off so quickly?

2.Incorrect Charge-Off Timeline : The account was charged off within 7 months of opening, even though charge-offs generally occur after 180 days ( 6 months ) of non-payment. 

3.Balance Discrepancy : My original loan balance was {$28000.00}, yet my charged-off balance is {$31000.00}. JPMCB has not provided a valid explanation for this increase.

4.Failure to Provide Proper Verification : I requested documentation proving this charge-off was accurate, but neither JPMCB Auto nor the credit bureaus provided signed loan agreements, payment records, or statements justifying the charge-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refused to respond back/failed to investigate. Per FCRA, credit reporting agencies have 30 days to respond. Equifax said " give them 60 days '' and yet no response from them. It's been 3 months now. I am unable to move forward with applying for a home mortgage.
Product: Credit reporting or other personal consumer reports

Experian starts the day like all the others with computer generated response which is ridiculous and yet again has absolutely nothing to do with the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back but after extensive research is easy to see thats this fraudulent worthless company 's BUSINESS MODEL,
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2022, I woke to find my credit points has dropped XXXX points in one day ; and no reason for my score to drop such an invasive amount at one time. As you will see from the attachments, there were three factors that changes, two small decreases in two accounts I made payments to, and one small new account was added.

You will also see where I have all of my accounts with exceptional 100 % payments- with the exception of 2 accounts almost 6 and 8 years ago in collections that I have been disputing for sometime and equifax still continues to not provide me signed proof that those accounts are mine. 

When I called to dispute the XXXX drop in points that I noticed yesterday with no reason at all for over XXXX points to drop off someones score in one day!, I spoke with equifax staff today and they said this was a coding problem that called this huge error! 

Furthermore they would not let me make a complaint or dispute this credit point drop or make any formal record about it. 

Its going on two days now and I am being embarrassed and damaged, and i still cant get my credit score when I log in to the equifax XXXX, it says its unable to show my credit score/ error and has been like that for weeks. I tried to report that today and they would not make a dispute or record complaint. 

I demand that my credit points be given back to me and to fix the low scores I have been getting from equifax over the past 6 months contradictory to what the other XXXX credit agencies have been reporting! 

You will see the exceptional record of payments, history, age of accounts, XXXX in the past six months over XXXX payments I have made not one late and my score is almost XXXX with equifax right now. 

This is out of Control! 

I want my credit file cleaned up and explained why equifax is not investigating my disputes as to this day equifax has not shown me one document whatsoever validating or the verification of the disputed collections still on my report, not one document bearing my signature to validate any agreement, application for credit, nothing! 

Nobody is taking this serious! 

If equifax does not fix this once this all Once and for all I am contacting XXXX and XXXX XXXX and pursuing class action lawsuit! 

Fix my equifax I demand to be not embarrassed anymore!
Product: Credit reporting or other personal consumer reports

It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$730.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies has stated that they have investigated these personal informations and reported accounts listed below : Incorrect name reporting : XXXX XXXX XXXX Incorrect address reporting : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX Incorrect payment status/history : 1 ) XXXX XXXX  2 ) XXXX XXXX 2 ) XXXX 4 ) XXXX  5 ) XXXX I am 100 % sure that XXXX, TransUnion, and XXXX  has failed to investigate my personal information and these account accuracies especially XXXX that is no longer in business and there is no way to verify the validity of this account. XXXX XXXX, XXXX  card, XXXX, and XXXX accounts are reporting collection/charge-offs. However, none of these accounts were in collections or ever charged-off. These accounts were paid in full with no late payments. These accounts statuses needs to be updated reflecting that they were indeed closed by the customer, never late and paid as agreed. Again, XXXX, XXXX, and TransUnion has consistently reported each month incorrect information even after I challenged the validity and provided proof of identity.