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

I submitted a dispute on a collection account that does not belong to me to Equifax on XX/XX/2019. The account was on a late {$110.00} utility bill from XXXX, and I have never opened any account with XXXX. 

In fact, this is not the first time that this {$110.00} XXXX bill has been put on for collection for me. In XX/XX/2019, it first appeared and I have successfully disputed this collection account from my report. It XX/XX/2019, I noticed that it has reappeared, so naturally I disputed again. 

On XX/XX/2019, I receive Equifax 's decision regarding my dispute, and they " verified that this item belongs to you ''. 

Just for context, I have submitted the same dispute to all three credit reporting agencies on the same day and one of them has already verified that the account doesn't belong to me and has remove the account from my credit report.
Product: Bank account or service

On XXXX XXXX, and XXXX i purchased XXXX items from XXXX as a result, XXXX item was a XXXX for my car and the other item was a XXXX for XXXX as a result, both items were defective! The shoes were not in good condition they were falling apart and the parts for my car were missing screws! I contacted XXXX about it and my claim was denied due to at first i stated i didnt receive the item which was true but weeks later received it but it was defective! I was very furious after getting denied through XXXX so i contacted adp regarding this transaction and weeks later my claim was denied i was very upset after being denied twice by XXXX and my card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by XXXX XXXX. All 3 credit agencies ( TransUnion, XXXX, and XXXX  ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all XXXX credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. XXXX XXXX, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.
Product: Credit reporting, credit repair services, 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. 

XXXX ; ACC XXXX  XXXX Account Listed As : ( Orginal Creditor : ) ; ACC XXXX  XXXX XXXX  XXXX ; ACC XXXX  XXXX XXXX XXXX  ; ACC XXXX  XXXX, XXXX  XXXX XXXX ; ACC XXXX  XXXX XXXX XXXX XXXX ; ACC XXXX  XXXX XXXX/DOFED; ACC XXXX  XXXX XXXX/DOFED ; ACC XXXX  XXXX XXXX  ; ACC XXXX  XXXX, XXXX  XXXX XXXX  ; ACC XXXX  XXXX, XXXX  XXXX US DEPT ED ; ACC XXXX  XXXX XXXX  XXXX  XXXX ; ACC XXXX  XXXX U S  DEPT OF ED/XXXX  ; ACC XXXX  XXXX XXXX ; ACC XXXX  XXXX 15 U.S.C 1681 section 602 A. : States I have the right to privacy 15 U.S.C 1681 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I have been disputing with the XXXX credit companies about Bay Area Credit Service since XX/XX/XXXX of an account that they have in my credit file reporting since XXXX, XXXX XXXX. I sent certified mail requesting validation of debt, Bay Area received and signed for the certificate letter on XX/XX/XXXX. As of XX/XX/XXXX they have not sent me any proof of debt HOWEVER THEY keep RE-REORTING the same collection account every other day, in order to lower my score. Attached is certified mail sent to Bay Area. This company takes advantage of the consumer by doing as much harm as they can inflict. 

I respectfully request from CFPB to have this collection account deleted from my XXXX XXXX XXXX. And have them sanction
Product: Credit reporting or other personal consumer reports

The companies that are listed reporting inquiries on my credit report that i do not recall. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 I have asked for documentation providing proof I applied for credit with all the creditors listed and have not received the proof in a 30day timeframe. Please remove the inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX {$480.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$620.00}
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX I was shocked when I reviewed my credit report and found late payment on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or when i was facing some medical XXXX emergencies.
Product: Money transfer, virtual currency, or money service

This complaint is in regards to Zelle... I honestly can not remember the exact date of the issue, but I used Zelle once about XXXX or XXXX years ago to send payment for financial services, but I was scammed. My bank handled the issue of retrieving the stolen funds, but every since then I have not been able to utilize Zelle as if I was scammer! For awhile I was trying to log into my account and I would receive error codes. But then I noticed I was receiving different error codes each time I tried to log in, so I ended up contacting Zelle, but they did not give me a reason why I was unable to log into my account. I have a business now and some of my customers use Zelle, also some of the vendors I utilize.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX  Account number : ( XXXX XXXX XXXXXXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX Department of Defense ) and Account ( XXXX XXXX XXXX  ). All of these accounts have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. 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

As a frequent shopper at XXXX, I finally took advantage of their aggressive requests to open a XXXX charge to save 20 %. I spent {$330.00} and paid off the account the ext month. I thought the account was dormant until I received a debt collectors call stating I owed an additional {$6.00} and that had grown to {$59.00} with late fee 's. I paid and closed my account, but find myself with late payment reports on my credit report. This will affect my financial rating for years to come. 

I tired speaking with XXXX and XXXX XXXX and they were not helpful at all. They kept repeating themselves that I need to call the credit bureaus to discuss. 

This is consumer deception at its finest and I hope cfpb can assist. All I want is for the delinquencies to be removed from my account. 

Thank you,
Product: Checking or savings account

Ive been staying with a friend of mine and that person has been using my cards and using my information, I asked her if she used my stuff she told me no she didn't but she's the only one around that would personal stuff, after I removed myself from staying with that person, so basically navy federal has not help me all from XXXX till XXXX all my money from school was used plus she's was calling in from my phone open up claims where I had to close out the account and Get a new phone navy federal has denied my claim twice regarding this issue I just want my money and that's all I have already tried to file a police report and I can't, they won't because they don't know if its her. I had to file for identity thief due to this person, also she didn't use just my navy federal she used my XXXX  XXXX and XXXX XXXX which has successfully called XXXX and told them about the transactions and they have emailed saying that they can give me a letter regarding the information and they would help in anyway to try to get back the money.
Product: Mortgage

In XXXX, I got behind on my mortgage payments due to a significant decrease of income which started two years before but I was able to stay afloat using my savings. After XXXX failed attempts to modify my loan ( the XXXX time due to insufficient income and the XXXX due to excessive income ), on XXXX, I was finally approved through HAMP, basically with the same information provided originally. The approval documents sent to me showed an increase of {$46000.00} on the principal. Since that moment, I have been, repeatedly, requesting an itemized information on the fees that caused such increase. On XXXX XXXX, I did start the trial period which ended on XXXX XXXX. I have been making my monthly payments for all this time and also continued disputing this {$46000.00}. Only last XXXX, XXXX, The bank sent a list of charges made to my account that included payments to force placed insurance and taxes, a {$35000.00} of unpaid interest as well as a long list of charges that no one have been able to explain. I have proved to the bank that taxes and insurance were paid by me. I considered the unpaid interest to be excessive so I asked for the formula used to calculate the unpaid interest. I have been requesting a review and recalculation of my debt but it seems like there is nobody on the other side. I have also found that more fees have been added to my account for things like drive by inspections performed recently, Corp. Adv. XXXX Gen. ( which no one could explain ), returned check fees which could n't be for I 've paid by phone, including an item described as unknown. 
At this point, the different departments involved have not taken any responsibility in clarifying what have they done whit this loan, nevertheless fixing it. It is clear to me that at the time this loan modification was processed, the staff involved did not have appropriate training and knowledge resulting in an unfair treatment to my case. To make things worse, every time I 've called for clarifications on documents sent in response to my questions, XXXX they give me a totally different answer from that in the paper and XXXX, when I refer to the document itself they seem not to have a copy in their records. I do believe their broken system is also negatively affecting this loan.
Product: Debt collection

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 


I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt.

Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt.

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt.

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature.

Category Contemplated in Section 2.05 of Regulation S : I believe that the securities associated with my account fall within the scope of Section 2.05 of Regulation S, which pertains to offerings and sales of securities outside the United States. I request that XXXX thoroughly assess the eligibility of my account under this regulation. Deprivation of Rights : My continued obligation to repay this debt is causing undue financial burden and depriving me of my inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. As such, I assert my right to request debt discharge under applicable regulations. By Section 611 of the FCRA provides your rights to dispute inaccurate information on your credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquiries that have shown up on my credit file on XXXX Trans Union and XXXX since year XXXX. I have contacted all three credit bureaus and they consistently say that all inquiries remain factual and will stay on my file for XXXX years. 
I received a letter XX/XX/XXXX which stated all inquiries will remain and how some I listed arent even on my credit report, which is false which tells me they did not do a proper investigation. The documents uploaded below are screenshots from annual credit report.com which shows all hard, promotional and soft inquiries listed on my credit file. 
I now seek under my rights under the FCRA Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship. 

I am requesting each credit bureau ( TransUnion, XXXX and XXXX ) provide me with the name of the business representative they contacted in regards to the credit inquiries listed, the date they reached said representative, time of phone call, address of business and the representative name and phone number.
Product: Checking or savings account

Santander doesnt work with 3 rd party integrators like XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Well I had taken a look at my consumer reports from all 3 credit bureaus and the information does not match 2 reports contained addresses I've never lived at and another report contains misspelling of my name that I have never gone by for instants I've never lived at XXXX XXXX XXXX  XXXX Ca, nor have I ever lived at XXXX XXXX XXXX XXXX, Ca XXXX there 2 more addresses that I don't recognize, and I'm pretty sure that is against the law to be reporting inaccurate data on my report, I have only ever lived in one address my whole life Im very upset with my reports and strongly encourage the credit bureaus to confirm & Correct any misspelling of my name & Correct or Remove these addresses from my credit reports XXXX  XXXX XXXX  XXXX Ca XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MS XXXX
Product: Checking or savings account

XXXX XXXX XXXX and Chase Bank closed my account due to being a risk after multiple fraudulent charges that were not mine after I used their fraud department and they paid out on the charges then closed my accounts. XXXXXXXX XXXX XXXX  ( XXXX ) then XXXX  XXXX XXXX ( XXXX ). The monies depositedwere from XXXX XXXX and my monthly XXXX deposits. I was part of the Federal Government XXXX in XXXX. And the XXXX XXXX hacks as well as the XXXX XXXX. And XXXX XXXX hack after XXXX of XXXX. Recently the XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I have had a line-of-credit open with my bank for the past ( 8 ) years or so. Shortly after receiving the line of credit, I sold the home that was used as collateral, however this loan was not paid off at closing. I assumed that it was converted to a standard non-collateral type loan, and have continued to pay the monthly payment. When I tried to refinance this loan with the same bank, I learned that it was still a line-of-credit! Worse yet, they still had the home I sold back in XXXX as the collateral! 

I have stoped making payments on this loan, as they have refused to refinance it, and have now received a letter from the bank stating I must pay the full balance by XX/XX/XXXX. 

Does the title company that handled my home sale have responsibility in this case, since they have now place myself as well as the bank in a very precarious position?? 

Help!
Product: Vehicle loan or lease

I called Flagship Credit Acceptance to request a payment due date change from the XXXX of the month to the XXXX to correlate with my payday. I was not accommodate and my car payment became past-due and I was charged {$900.00} in late fee .Also, The late payment was reported on my credit report. I was told the late fee would be push to the end of the loan and that has not happened. I have called several time regarding this matter and have not received any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters in XXXX, XXXX and XXXX with NO response from Equifax ofXX/XX/XXXX. These letters were informing Equifax the inquiries being reported on my credit report are not mine and I did not initiate. I also called Equifax and spoke with their special unit team who then acknowledged they had received my letters but told me they could not remove those inaccurate disputes. They referred me to write a complaint with the FCC as proof of not initiating said inquiries, and also told me they could not remove any without a letter from the FCC.
Product: Checking or savings account

I tried to rollover two separate IRA accounts. The IRA 's were suppose to be sent electronically from XXXX XXXX XXXX, to Regions Bank. One account was accepted, by having a required disbursement made and deposited into a CD account. The remaining amount that the disbursement was made from, was then supposed to be comingled with the other IRA & made into one separate IRA rollover. Regions documentation shows transfer was accepted, however the account that was set up, was cancelled, because Regions states " the account had not been funded ''. Then XXXX XXXX states " they sent a check to Regions. However, that check has not been deposited and account opened, This took place XX/XX/2017, the amount was 20,000 plus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained copies of consumer report from both Lexis Nexis and XXXX XXXX. They're reporting multiple discrepancies on my credit report that is defaming my character. Under the FCRA, I have the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. 
Request that Lexis Nexis and XXXX furnish notification of the deletion of all disputed information.
Product: Credit card or prepaid card

Capital One XXXX Credit Card reported to XXXX that my credit was over the credit limit of {$1300.00}, by {$46.00}, without first notifying me that I needed to make a payment to bring down the balance to XXXX again, thus causing my credit score to drop XXXX points on XX/XX/2021. 

The problem is that I was never notified to make a payment, before Capital One reported to XXXX and the other two credit bureaus, I was over my credit limit by a mere {$46.00}, before causing extremely detrimental lowering of my credit score by XXXX points with XXXX, which was XXXX, then dropping my score to XXXX. My score has dropped again as of XX/XX/XXXX, again by Capital One, down to XXXX, this is extremely hurtful to me as I was in a car accident in XXXX, in which my car was totaled. With such an extremely low score now with all three credit bureaus, XXXX being just an example, I now can not finance a new car. 

I am an older divorced, single mother working full time with low wages in Kentucky, trying to provide for my XXXX year old son, and am in need of a safe car to do so. 

With my score dropping an entire XXXX points, due to my not having the opportunity to make a payment of {$46.00} ahead of time, I find that Capital One XXXX is a Predatory Lender. Capital One is responsible for dropping my credit score from XXXX, to XXXX with 8 days! 

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

In accordance with the Fair Credit Reporting Act XXXX  : accounts,XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Info : Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Former : XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I paid off a personal loan in advance for the amount of {$11000.00} via XXXX XXXX which was received by USAA XX/XX/24 by overnight mail. We I contact the USAA representatives, I keep being told that the check is in the mail. It has been XXXX days and counting waiting for the refund check of {$1100.00} according to their calculation.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX acct # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # 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