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

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX  XXXX Balance : {$42000.00}
Product: Credit reporting or other personal consumer reports

Sent them several letters first asking for debt verification/validation on the debt reported, Claimed the disputes were investigated but nothing ever sent to me, Also asked that if they can not verify these accounts for them to please remove them from my credit report, Nothing still sent to me for verification or removed from my report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts :
Product: Vehicle loan or lease

I was involved in an accident that resulted in my vehicle being deemed a total loss. I had Gap insurance through the finance company as well as full coverage insurance through XXXX  insurance. Within 2 days of the accident XXXX  issued a total loss payment to the finance company Bridgecrest. For some reason the finance company entered the insurance check in as a normal payment instead of a principal only insurance payment. I have tried repeatedly over the last XXXX  months to get Bridgecrest to fix the error and they have stated that they don't believe that there was an error. I have every bit of evidence proving otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company concerning the late payments listed on my report. I was told by a representative that during the months that my payments were deferred due to COVID 19 I would not receive any late payments. The creditor failed to hold up to the deferment contract that i signed and have violated my rights. Please update and remove the late payments that are listed for the months during COVID 19
Product: Credit card or prepaid card

I was approved for a credit card. Received letter and email of credit limit. I was opening it up for my business but they said they needed to check my personal credit. I then receive the card and try to activate it. 

Calls the company several times to find out that they closed it because the person that approved me. Called the company for about a month straight to get answers. Kept getting sent to different departments. I asked for corporate never was. I told them all I want is for them to remove the inquiry on my personal report. I don't want the card because now I believe this is fraud. 

They were suppose to send me a letter explaining till this day. I still haven't received it.
Product: Student loan

i have contacted navient via email to XXXX XXXX XXXX and requested that all dispute remarks be deleted my credit reports ( they have been deleted to date ) and ive pointed out that i received a letter from navient stating that the statute of limitations has expired and XXXX now owns the accounts. yet the credit bureaus have navient reporting ( charge of profit and loss ) with a past due account reported monthly. does this follow FCRA or are they reaging the accounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account with XXXX, this account reflects several inaccuracies that are reporting on my credit files with Trans Union, XXXX, and XXXX. The inaccuracies are highly noticed when reviewing my credit. This reporting is effecting my credit as, it is keeping me from obtaining a better credit status. 

I was contacted by a creditor, who advised me that the account with XXXX. Account # XXXX showed my payment status as current, but showed in the XXXXwo-Year Payment History status. With several late payments over 30 days late with all three credit bureaus. I request a update of reporting with all three credit bureaus with Trans Union, XXXX, and XXXX. 

I do not request that this account be removed or deleted, but updated to reflect alone with the payment status of paid current reported on all three credit bureaus with all three credit bureaus. 

List of inaccuracies : Trans Union XXXX XXXX Date Opened : : : XXXX XXXX XXXX Date of Monthly Payments : XXXX XXXX XXXX  Last Reported : XXXX XXXX XXXX  Comment Section : No rate information No rate information Auto fixed rate Date Last Active : XXXX XXXX XXXX Date Last Payment : XXXX XXXX XXXX Two-Year Payment History : Trans union XXXX 30 day late XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX XXXX : 30 day late XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 30 day late : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is a breakdown of the inaccuracies that are being reported from all three credit bureaus. I request that these inaccuracies be updated to reflect the true accuracy on my credit files. 
There should be no hesitations, or issues with getting this corrected. I expect that this will be done in the 30 days mandate per Federal Law under the FCRA 15 USC 1681.
Product: Debt collection

The number listed along with many others repeatedly call all throughout the day. They never leave messages. I try blocking the numbers but they constantly change. Finally today XX/XX/2018 I called back and said you have the wrong number. I worked swing so I be asleep till about XXXX so having them call right at XXXX XXXX then XXXX and XXXX got annoying and it happened for weeks.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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: Mortgage

At my closing, I was presented with closing documents that were different from those sent to me. The closing cost was more than {$500.00} more than what was quoted to me. When I questioned this the lawyer said that if I didnt sign the document stating that I had received the document in advance we could not close. Both the attorney and I attempted to call the closing agent, the loan officer XXXX XXXX and his manager at Cross Country Mortgage. None of them answered or returned the call. I was charged for insurance fees which were never discussed and not owed. I was only at closing advised of the relationship between Cross Country and the law firm. I was never provided with the names of other options until Closing. I have repeatedly contacted the insurance company, but they have not received the funds. I have contacted the XXXX Law Firm 5 times each a month apart. They state the they have only collected what Cross Country told them to collect. They say they have to contact Cross Country but they never get back with me. 
I am very concerned that Cross Country practices deceptive practices saying they cant schedule closing in advance ( cant even give 7 days notice? XXXX, they ask that I sign documents stating that I received documents in advance when I in fact was not given the document, they are misrepresenting fees to get customers to use their companies and finally they are collecting fees that are not owed and then not refunding them.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX 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

So I've been trying to refinance my mortgage and recently got in touch with XXXX XXXX  and XXXX an d authorized them to run hard credit checks. What happened as result of this, a plethora of calls started flowing in from other lenders. One of the lenders who called in, Imperium Lending ( XXXX XXXX XXXX XXXX XXXX XXXX ), had my SSN details. I was very surprised with this and they advised they had these details from XXXX. I wasn't comfortable with and they told me about couple of loan options and I asked them to send me a loan estimate - however, without my prior consent, given they had all my details from this credit file- they ran a hard credit inquiry! Not just that, XXXX XXXX XXXX XXXX XXXX even did not send me proper loan estimate docs- they kept sharing screenshots masking the lender name, etc. XXXX did not disclose their XXXX XXXX and did not read out the mandatory consent for hard credit checks. Just coz they had access to my SSN, they just ran the hard credit checks and this is so annoying! 

When I contacted XXXX to have this inquiry removed, they simply refused, stating that's something beyond their control. I was able to file disputes with XXXX and XXXX and they will investigate this further and have these inquiries removed. XXXX on one hand, makes all the personal details explicitly available to other lenders and for any unauthorized credit inquiry, won't allow me to file a dispute. Who authorized XXXX to share my personal details with all the lenders out there?

So the dispute is against Imperium Lending for running the hard credit checks without my prior authorization and also against XXXX for making all my details readily available to

lenders like Imperium who can use this information at any point of time. This is just unaccept
able.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a debt consolidation loan with XXXX and I was told I was denied using information from XXXX and TransUnion. I accessed my XXXX report and NOTHING on this report is accurate at all. Every single entry on this report is dated XX/XX/XXXX which is extremely odd. This report shows two inquiries on XX/XX/XXXX from XXXX initiated by me that I did not initiate - I have not applied for or initiated anything with XXXX. My drivers license number is wrong. My employer is wrong. None of my positive credit history shows. My entire bank account number is shown and on display. My payment history is completely blank. All the information under account review is incorrect and inaccurate I did not iniate any of these. My home and work phone numbers are incorrect. Under additional information it shows all info received on the same day XX/XX/XXXX and none of the information is correct. This report shows no bankruptcy yet I have been disputing two bankruptcy entries on my transunion report for over a year. XXXX XXXX removed the information due to inaccuracies and the complaint I filed w the CFPB yet TransUnion refues. I was denied a loan I need due to all the misinformation provided by TransUnion and XXXX. It also has my name listed as " XXXX XXXX '' instead of XXXX XXXX. The bankruptcies shown filed XX/XX/XXXX and XX/XX/XXXX ARE NOT MINE. XXXX XXXX removed them due to conflicting information from the XXXX screens I paid for to access you can see the address on those bankruptcies is NOT mine and that address is not on my credit file and is not the same as the bankruptcy I did file that was XXXX in XXXX. If Transunion refuses to remove I demand under 15 U.S Code 1006.34 that Transunion explains to me how they are validating these public entries on my credit file with the misinformation from XXXX and XXXX removal. If TransUnion is the parent company of XXXX why do they have different information for me on their files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX stated that the payment for XXXX was never received, however XX/XX/XXXX a payment for the entire amount of the loan was sent. We did a buyout of our lease only to find out they would not except the payment. They did not send the money back to the loan company for almost 2 months even though I kept calling XXXX to send the money back. I was under the assumption the account was paid in full which is why no payment was sent. As a matter of fact because the account showed no balance I did not have the option to pay anything because there was nothing to pay. The account was reopened by XXXX after 2 months before the money was given back. It is not fair to say I dont pay when I didnt have the option to pay because there was no balance. I am attaching the response from the finance company as proof.
Product: Debt collection

Good Afternoon! 


My name is XXXX XXXX. I am writing this email in an attempt to seek advice on how to respond to a court summons that was issued by XXXX Bank filed in XXXX XXXX Ga. 

Years ago, I defaulted on my XXXX XXXX with a balance between XXXX and XXXX of charges and interest. I fully acknowledged that the debt is mine and the charges were made by me. That being said, the card was charged off after I had a major change in income and lifestyle. I entered into a monthly payment arrangement with XXXX at the amount of approximately XXXX dollars a month to keep this debt from being sent to a collector. In early XXXX the monthly payments stopped, and the account was sent to a collection 's agent ( law firm ) Nathan & Nathan. 

I called XXXX to see if the arrangement could proceed and was told there was " nothing they could do '' since they no longer owned the debt. 

Nathan and Nathan were called to see if we could settle the debt for less than owed, my contact was XXXX XXXX. They did not take my offer seriously ; at which time I asked if I could pay THEM the same amount of money per month as I had been paying XXXX. The offer was declined. I explained that as a waiter in a restaurant, a monthly payment would need to be reasonable. 

I am fully willing to resume paying a fair and reasonable monthly amount to keep any further legal issues from arising. I am due to appear in court to answer this summons on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit file and I noticed that there are several items reporting inaccurately. Please assist me in getting the following items corrected : Incorrect Personal Information : Name : XXXX ( Experian ) There are Identity Theft or Fraud Accounts reporting : XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 
XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 

Please remove unauthorized inquiries : XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I C Systems Reported on XX/XX/XXXXXXXX  XXXX XXXX XXXX opened on XX/XX/XXXX Amount {$630.00} This is my account never had this service and not only that I dont owe I C Systems cause if anything my debt was with XXXX XXXX and they sold my account I C Systems so that means my debt has been paid and the third party collector I never owed. So I believe it should be taking off my credit report cause is reflexing bad on my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I contacted Chase bank about my checking account and credit card accounts I have had with them for years.

I requested the account statements for the checking account and XXXX credit cards from XXXX XXXX XXXX. 
I requested a research inquiry into the matter as they claimed that statements beyond XXXX years are not available. 
I escalated the issue and they refused to do further research and they close off the inquiry. 
I used to work for XXXX XXXX XXXX and statements are archived on the backend systems. Although not available to customers online, the statements still exist in the system past the XXXX year mark. 
I am requesting and the full account statement history be sent to me from inception for the checking and XXXX credit card accounts as I specified in my original communication with Chase.
Product: Credit card or prepaid card

My identity was compromised by a XXXX Scammer in XX/XX/XXXX. He used my information to open 3 major credit cards without my knowledge or consent. These were all new cards. He applied online without my consent or knowledge or my signature. I did not gain financially at all from this action. He conducted Balance Transfers by using these new credit cards. The transfers began in XXXX of XXXX. I was not aware of this at all until I started to receive statements. I was coerced to make some initial payments until I was aware these were all fraudulently done. I have not gained financially from their use. I was never aware of these cards. He acted solely for his own financial gain. I have filed reports of fraud with the local Police Department, the FTC, and the FBI. I should not be held liable for any payments to these accounts. The balance with XXXX XXXX is now {$14000.00}. 
The balance with XXXX is now {$17000.00}. The balance with Wells Fargo is now {$52000.00}. These balances are all approximate. The activity on all credit cards was done approximately between XX/XX/XXXX - XX/XX/XXXX. Each actual credit card company has the complete dates and amounts that were conducted as Balance Transfers.
Product: Debt collection

The company Load Depot ( XXXX ) XXXX https : //www.loandepot.com calls me continuously all day long, at least 4-5 times a day from various numbers that include area codes XXXX, and other parts of the country. When I block a number, they generate a new one. I have blocked and blocked and yet they still call. I have not called them back because I do not have an account with them and have never done business with them and do not want to give them any more information than they already have, which is my cell phone that is supposed to be on the do not call list. It's a robo-call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps reporting a debt from 2009, the company XXXX XXXX they continue to report about has been disputed twice and removed from other bureau 's. This debt has no supporting documentation from the collection agency, nor has ever provided me with any such documentation. Transunion is continuing to report something that is 1. ) too old and 2. ) not even valid and has no supporting documentation from XXXX hospital. this is from XXXX trying to keep me in a contract that was only 1 year old and required renewal. I never renewed with XXXX hospital and all of my dogs Dr bills were PIF and they actually refunded me like {$9.00} in the store due to this being a confused mess. There is no 2nd year of doggie insurance EVER requested nor approved by me. If they want to collect they need to provide documentation YET IT '' S OVER 7 YEARS OLD. 

I have done everything I can do to remedy this but as stated there is no contract, no signed documents, nothing that supports this debt and further nothing to verify the debt and again they refunded me aprox {$9.00} after this mess. 

If there is they should have provided it to me from 1. ) XXXX back in 2009 and 2. ) From XXXX XXXX and 3. ) from Transunion. NOT 1 place has ever provided me with documentation OF THIS DEBT. Just says it's owed but no signed document from me or anything of the sort. 

I am requesting a remedy and/or Valid documentation to be provided NOW. 

Thank you, XXXX XXXX XXXX XXXX
Product: Prepaid card

every time i try to use my gift card, no matter online or in person, it never works. I got this for my birthday, and i think it is unnaccaptable that a company like Amex can not get simple XXXX dollar gift cards to work.
Product: Checking or savings account

I received checks from t d bank. I never opened an account with them. The checks had my name and address but not my number and under my social security number.
Product: Credit card

On XX/XX/year>, I was overcharged for something I did not purchase, which is related to a past charge made on a government benefit card. After reviewing my invoices for the relevant purchase, the charge is not accounted for and appears fraudulent, as it was neither previously nor presently authorized by me. It was authorized without my consent and against my will. 

The credit card company initially failed to resolve the dispute regarding the purchase, instead insisting it was a valid and necessary charge or hold. I do not agree and requested a reversal, which was ignored for a significant portion of the chat. I was eventually assured that the charge would be reversed, but I am uncomfortable with random charges from XXXX XXXX.