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

What's Happened? 

I opened a Home Equity Line of Credit with XXXX on XX/XX/XXXX for {$42000.00}. Using my bank account, I set up an auto payment for {$500.00} a month and on XX/XX/XXXX paid {$500.00} so the total amount due from {$42000.00} was down to one final payment of {$150.00} ( so I thought ). It was actually {$150.00}. I went ahead and paid through a one-time payment from my bank account {$150.00} on XXXX XXXX, XXXX and didn't cancel the {$500.00} auto pay. Thinking the home equity line of credit was paid off and not worried about payments, the auto pay continued to send {$500.00} on XX/XX/XXXX, another on XX/XX/XXXX and one more XX/XX/XXXX. I was credited back each time for {$500.00} and my bank stopped the auto payment on XX/XX/XXXX. -- THIS IS NOT MY COMPLAINT. 

In XX/XX/XXXX, after what I thought was my final payment XX/XX/XXXX of {$150.00}, XXXX XXXX app updated and showed that XXXX closed my account at the same time ( XX/XX/XXXX ). Learning now, it wasn't because the account was paid off. They sold my mortgage of {$150.00} to XXXX ( Who are they? I had no clue ). I thought they were a scam company. Neither XXXX or XXXX reached out, never showed another mortgage company on my credit history and had no idea XXXX sold my {$42000.00} loan from XXXX for {$150.00} right before my final payoff. The account was closed or so I thought. On XX/XX/XXXX - XXXX just reported to Transunion and XXXX that I haven't paid my mortgage and my credit score dropped like XXXX XXXX in XXXX XXXX XXXX PunchOut. After hours on the phone with XXXX, I was told that I couldn't payoff the amount of {$150.00} because it has to be a certified check or money order ( Unfortunately, we are now dealing with CoronaVirus and that isn't getting sent out any time soon ). AND, They are charging me the {$150.00} PLUS, interest of {$8.00}, PLUS, {$16.00} late fee, PLUS {$100.00} recording fee. So not only my credit was hit, but my final payoff amount went from {$150.00} to {$280.00}. Oh, and please don't forget I had my auto pay set up this entire time to XXXX until XX/XX/XXXX getting the payments credited by to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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: Bank account or service

I have had fraud charges that the bank refuses to investigate or support evidence that they have investigated the charges. I have {$8600.00} in fraud charges and they refuse to investigate vendor, do not support any documentation to support their decision.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XX/XX/2023 XX/XX/2023 I have filed XXXX complaints prior to this on requesting that they send over a copy of the signed loan agreement. They continue to send over a check. This check does not validate or constitute that I entered into any type of loan agreement and according to the FCRA validation must be provided. This still has not happened. 
The company is only sending a copy of a check. 
I have never requested a loan from this company nor did I ever enter into an agreement or sign any check for a loan with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against and there is no third party involved. All three major credit bureaus have my personal information inaccurate on my consumer report. My name is spelled incorrectly. My addresses are inaccurate. The phone numbers are inaccurate, they dont belong to me. The employer section is inaccurate, I do not work for those places. The name on my ID and social security card is how my name should be spelled. The address on my ID is the only address that should be shown on my credit report. I DEMAND all three of the major credit reporting bureaus TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, SERVICES, A PLACE TO LIVE FOR MY FAMILY AND, TRANSPORTATION AND MORE. ALL THREE CREDIT BUREAUS are now liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance with all three credit bureaus failed to comply. Pursuant 15 USC 168 1 and any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I demand All three credit bureaus to provide me with a copy of my written instructions and consent to furnish these fraudulent and inaccurate said accounts ( Exhibits provided ). Also please provide me with their Verification method to verify said accounts.

In accordance with the FAIR CREDIT REPORTING ACT ( FRCA ) These three credit bureaus HAVE VIOLATED MY RIGHTS 16 USC 1681 SECTION 602 states I have right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written permission or instructions. I only want positive reporting on my report, from this day forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is in violation of the FCRA. In accordance with the FCRA the collection agency must report the original date of delinquency and this date is not allowed to change by law. In a effort to re age the account the collection agency has changed the original date of delinquency to XX/XX/2012  which inaccurate. The original date of delinquency was prior to that. The collection agency has failed to provide myself or any other entity with documentation showing the original date of delinquency. They have also failed to provide any record of payments on this account. Since no payment was made on this account the original date of delinquency would be 30 days from the date the account was first registered. If we use the logic that the date of delinquency was in fact XX/XX/2012 XXXX must provide proof that the first delinquency was XX/XX/2012 and it was only 30 days late. I demand that a someone from the credit bureau investigated my credit file. XXXX is stating the account is accurate but by their own logic this debt is not valid.
Product: Credit card

Good morning, Dispute : date of interest charge was on XX/XX/XXXX Original purchase date XX/XX/XXXX Comenity Bank Amount : XXXX The dispute is simple : the minimum payment that was applied to my account did not cover the remaining {$66.00} on the end date of XX/XX/XXXX. The account should have been closed XXXX XXXX XXXX. My understanding was this account was already full filled and had been paid. If the minimum payments had not been adjusted, this account would have been paid in full on the appropriate date.

The original transaction was XX/XX/XXXX. My understanding is that this account should have been reconciled and closed 18 months later. However, your department changed the dates to an arbitrary date of XX/XX/XXXX. My understanding was that the plan was up 18 months after the purchase date. Now, 30 months later, the plan ends, leaving me with XXXX in interest. Please also review previous documents of the zero-interest start date, not beginning when item was purchased. This account should been closed out, however, 30 month later, I am not receiving a XXXX interest charge. The remaining balance of XXXX has already been paid. 

If you purchased a loan for 60 months for an item. That product should be paid off at that 60 month mark. If you then receive, another bill 12 months later on something that had already ended. How would you know this had a different end date /remaining balance then what you originally signed the loan for? 

Working with this company has been an ongoing issue. I would like this resolved. Thank you for your time.
Product: Debt collection

I contacted National Credit Systems with both bureau disputes and a direct furnisher letter. NCS validated the bureau disputes, but never responded to my direct furnisher letter asking for itemized breakdown of all charges that amount to {$4400.00} reported on my credit. 

I also mailed a letter to apartment owner, no answer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Account number ending in XXXX To whom it may concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the fair debt collection practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation that is binding on me to pay this debt. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ) this action might constitute fraud under both federal and state Laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following violation of the Fair Debt Collection Practices Act. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with legal counsel for a suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days of the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following items listed on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account DEPT OF EDUCATIONXXXX XXXX Charge Off Account DEPT OF EDUCATIONXXXX  XXXX Charge Off Account DEPT OF EDUCATIONXXXX XXXX Charge Off Account DEPT OF EDUCATION/XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXXS XXXX Collection Account XXXX XXXXXXXX Collection Account I believe that these items are i

naccurate and/or incomplete, and I request that they be removed from my credit report as soon as possible.

I also want to bring to your attention that the inclusion of these items on my credit report is causing me significant emotional distress. The stress and anxiety caused by the negative impact on my credit score and the potential implications on my financial future have been overwhelming. 

As per the Fair Credit Reporting Act, I have the right to dispute any inaccurate information on my credit report. I request that you investigate the accuracy of the items listed above and provide me with a written response detailing the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is showing that there is an amount past due. This account has been paid in full upon the agreed amount in settlement and should reflect that no balance is due.
Product: Mortgage

I never went through with opening an account with Interfirst Mortgage. Now they are sending me spam email with multiple links supposedly to helpful articles. I did not click on any since I never signed up for emails with Interfirst Mortgage, nor do I have any accounts with them. 
I have attempted to block the spam and hope it will not continue.
Product: Credit card

In early XX/XX/XXXX i reached out to speak about a XXXX $ fee for their AAdvantage card. I said i wont be traveling and needed a different type card because it didn't make sense to pay and not be able to use the card they suggested since i had an excellent payment record that i not close the account but pay the fee then ask a supervisor to help me navigate a more fitting card The supervisor never called with XXXX different messages left. Sometime layer they called to say i disputed my payment. This is another lie. She said well they flagged your account so i will need to authorize your checking account. I normally always used my debit card. 
Eventually with numerous calls and nearly XXXX hours of conversation with this company i realized they couldn't have used my trust account. 
The XXXX argued with me again today for almost XXXX hours about my account being closed and me having them try to take it out of a closed account. This never happened. Eventually, after countless hours and struggling with the foreign speaking XXXX, I called XXXX XXXX  and they verified that XXXX  XXXX was closed a year and a half earlier and they had not used that account and they made stupid mistakes. she finally realized they had attempted to use an old account. As XXXX XXXX  was acquired by XXXX in XX/XX/XXXX. They were attempting to continue to use my closed account and bill me more and more. They ultimately continued to bill and bill and never found a replacement card or called me back. I need my credit company fixed and any and all fees reduced ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, Navient is reporting inaccurate information on my credit report. They have reported that I was late making my student loan payments during the timeframe that I was in forbearance on XXXX occasions. Navient lists my account as 90 days late in XXXX of XXXX and 120 days late in XX/XX/XXXX on my XXXX credit report. However, during that same time period, I was reported as " on time '' on my XXXX and XXXX credit report during that same timeframe. In XX/XX/XXXX, they also reported my credit report as 90 days late, which is also inaccurate. If I was 90 days late, in XX/XX/XXXX, why was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX marked as " paid on time '' on my credit reports?! Furthermore, the account number listed on my XXXX credit report is not correct ; my correct account number per the Navient online portal is XXXX. The account numbers listed on my XXXX credit report begin with " XXXX '' and XXXX '', but was verified as " accurate '' when I disputed with the credit bureaus. These accounts do not belong to me and need to be COMPLETELY removed from my XXXX credit report. Per the FCRA, Navient is required to report complete and accurate information on my credit reports. I previously disputed these accounts with the credit bureaus and reached out to the student loan Ombudsman, and this issue has still not been resolved. I am aware that there is a current lawsuit against Navient filed by the CFPB and several attorney generals for unfair and unjust student loan servicing practices ; I am a victim of those corrupt practices, which has damaged my credit rating and caused severe emotional distress. 

I am attaching a copy of all three of my credit reports, a copy of the complete Department of Education Student Loan Data System report that proves that I was in forbearance as during the time that I was reported late, as well as my email that was previously sent to the Ombudsman requesting that these issues be corrected. I am hoping that the Consumer Financial Protection Bureau can help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Delete this account. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit inquiry on XXXX XXXX, 2021 from SANTANDER CONSUMER USA. I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX and XXXX XXXX, 2021. I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT.
Product: Checking or savings account

In XXXX of 2020 my account was charged {$19.00} buy XXXX and my account was closed due to that charge. I have called and tried to pay the {$19.00} fee repeatedly i have even reached out via email. And each time i was told no there was suspicious activity on my account. Since when is XXXX suspicious? And why cant i just oay the {$19.00} to reopen my account? Nit to mention i was fettingv direct seposite for months on my chine account.
Product: Credit reporting or other personal consumer reports

I received notification from creditor that a debt that the referenced account was sold. However, I requested validation of the debt on XX/XX/year>. However, all I received was an itemized statement. The statement did not have much of any information on it. Therefore, nothing that I requested was presented to me. I sent another letter around XX/XX/year> letting the creditor know that the information that they sent did not meet my validation request. I recently received another itemized summary on XX/XX/year> from another creditor who has bought the debt. I sent another letter on XX/XX/year> requesting validation of the debt.
Product: Checking or savings account

I hired someone to prepare my taxes who Ive known for a decade. She worked at liberty tax and XXXX XXXX. Instead of sending the funds to my bank account she opened a fraudulent account using my information through Chime. The IRS posted the refund to this fraudulent chime account and the money was transferred/spent in 24 hours. I have text messages, XXXX messages as well as a recorded phone call where she admits to do this. Chime has been absolutely horrible in fixing this. They allowed an account to be opened with no identification and shipped a card to an address Ive never lived at 300 miles from my current residence. Chimes response was to close the account to protect me when the account was dormant and- {$4.00}. The damage was done. By chime closing the account I lose access to vital information. Now when I call they stonewall any attempt to provide me any information stating the account is closed. Chime has one customer service number which now that Im a closed account they transfer me and refuse to help. Chime has deleted my posts on XXXX calling them out for their part in this. Chime has a responsibility to verify the customer if they arent providing an ID. Had chime done due diligence on their customer this situation could have been stopped. Instead chime allowed it to happen and have done nothing to assist me in providing information licensed police officers are asking for.