23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Payday loan, title loan, or personal loan

Additional payments to principal. In discussing this with Prosper they stated that if I wanted to apply extra to the loan and only have it go to principal it needed to be made the same day the monthly loan payment was applied and it needed to be done prior to XXXX.
Product: Mortgage

For over a decade, my husband and I have been trying to eliminate a predatory HELOC. This predatory HELOC is an adjustable-rate, interest only loan, and over the years payments due have varied from about {$200.00} to over {$700.00} each month. The monthly amount demanded by the current loan servicer, First Citizens Bank, is currently {$590.00} on a balance of about {$31000.00}. 
Since the monthly amount due varies ( increases ), it is difficult to budget for this loan and even more difficult to continue making payments. 
After falling behind on payments, we appealed to First Citizens Bank for a loan modification. We also tried to enlist the services of a homeowner advocate agency to act on our behalf. First Citizens Bank refused to work with that advocacy agency. 
Once we submitted a hardship letter, and over 50 pages of personal financial data, First Citizens Bank made the following offer : A payment of {$590.00} due XX/XX/2019, with payments of {$1000.00} due each month for the next six months. 
The terms offered by First Citizens Bank do not help our situation and will actually make our situation worse! 
First Citizens Bank argues that because the monthly payment they demand is a relatively small percentage of our household income, we do not qualify for relief from this predatory loan. While our income may be higher than that of some Americans, we, like many Americans, struggle with debt. Although we are nearly XXXX years old, we are still repaying student loan debt. We have several thousand dollars of credit card and personal loan debt. And of course the added debt of this interest-only adjustable-rate HELOC. These debts were NOT incurred through travel or luxury. They are the result of home repairs, car repairs, medical bills, and vet bills. Regarding our home and our standard of living. Our home is falling into disrepair and we have been unable to afford a little getaway type vacation in well over ten years.

In truth, this predatory loan has been for us, a decade-plus nightmare comparable to having a XXXX XXXX. We are simply seeking the peace of mind that we will be able to stay in our home. 
Our home is, by far, our single biggest financial asset.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : Is showing open and late, this account is not open it has been paid in full closed. Also, this account shows late payments this account has never been late. 

XXXX XXXX : This is account does not belong to me. this account belongs to my brother with a similar name. I've asked for this account to be removed and or proof that this account belongs to me. 

XXXXXXXX XXXX XXXX : This account does not belong to me and i have asked for this account to be removed. I also asked for proof of this account belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, I never asked the company ( Equifax ) to monitor my credit record but no they took control and report my credit. Some time ago they told me that, I had my credit information compromised from their database and sent me information to pay more scrutiny to my record. 

As my credit card company shows below my FICO record is affected because of their laziness and inaccurate system monitoring. Their system downgrade my FICO score because it did not see any home mortgage payment from my account. Because of that the system downgraded my FICO score. In the first place, I did not choose them to be my credit score bookkeeper and they are doing a lousy job. They have not got any record from my mortgage company about my payment default. They will not because I have paid off my mortgage and do not need to pay the monthly payments. Their system is so dumb that it does not detect these changes and still, it faults the helpless consumer. 

First, they compromise security and lost my financial record which I did not ask them to keep secondly they do this gross mistake and am surprised that they are still bullying me to hold and judge my financial activity this is injustice and mafia action. Because I do not believe this company is qualified to do such a service. I have no auto loan or student loan currently but their vague judgment is based on not showing such debts. How much do they know their customers? Below is the reasoning for their credit score downgrading.

Key Factor ( s ) Affecting Your FICOScore : * 1Number of accounts with delinquencyMissed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to FICOScores. Your score was impacted because your credit report shows one or more accounts with missed payments. 
* 2Lack of recent installment loan informationFICOScores consider recent non-mortgage installment loan ( such as auto or student loans ) information on a persons credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans.
Product: Credit card or prepaid card

In the following months USAA has denied and even shut off several of my cards. This has happened several times today. Having tried to resolve these issue USAA attempts to shut off my card again today with unreasonable reasons why. I want them fined for each occurrence and each card as they are unwilling to rectify this issue and not allowing me to make purchases. This is not the first time this has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for {$69.00} a month credit repair help I paid my first month on XX/XX/ I called them on the XXXX and canceled because they werent doing anything to help my credit and I didnt want to pay the other {$69.00} for the next month. She told me I could cancel but I would be responsible for {$100.00} invoice When I asked why she said my service was actually {$130.00} a month the XXXX I paid for the first month was an entry fee I asked to take it higher to appeal it and she said she couldnt
Product: Credit card

XXXXMRV/VT Credit card company , I have OPTED out and RESCINDED YOUR power of Attorney, your security interest and Titles over my account and I demand you Pay me for the fraud you have committed against me and reporting hurtful allegations on the Credit reporting agencies that have caused harm on my life and Business and I have never thought I could experience a worse company than XXXX XXXX XXXXXXXX in the Deceptive business practices and theft from your own customers and using the promissory note aka Application and social security number with my signature to fully find my use and open ended credit. You stole every single XXXX of interest from me and have 3 days to fix my account pay me the moneys owed by check or money order immediately and any no. Response will be received as agreement of everything Ive stated and you or any other person or group or subsidiaries of any company make any retaliation against me or stop a judgement because you have agreed with me on every single thing Ive stated against you. Withdrawal any negative reporting from XXXX XXXX and XXXX etc. And pay me my money and interest and XXXX for credit fraud identity fraud
Product: Debt collection

In accordance with the Fair Credit Reporting act I.C. Systems, INC 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose No wet signature account with account claimant original debt was charged off
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX
Product: Consumer Loan

Good afternoon, I purchased a XXXX from XXXX XXXX in XXXX, NC XXXX XXXX. Since the purchase of the car, I have been XXXX and transferred my duty station from XXXX XXXX, XXXX to XXXX, XXXX. I had not realized that I was delinquent in my payments and that the car payments were not current. During this time my mom who lives in XXXX is helping me straighten out the payments. I also told the finance company, XXXX XXXX that my mom had my authorization to call and talk to them regarding the loan. Due to my job and training I can not always be available to accept phones calls or call out to follow up. 
After my mom reviewed the auto contract she believed I was a possible victim of predatory lending due to the interest rate being so high. And she also how I even qualified for the loan. On XXXX separate occasions my mom called XXXX XXXX and asked them to confirm what my monthly income was. On both occasions XXXX XXXX said it was {$4100.00}. 
Now it 's no long a question of how I qualified. This is fraud on behalf of XXXX XXXX. My monthly income is only {$1900.00} a month. We asked XXXX XXXX to send a copy of the document they received from XXXX XXXX and both times they said they do n't have access to the info to send. They suggested that we contact XXXX XXXX because they have all those documents. I requested my file from XXXX XXXX and they sent me everything but the documents I really wanted, which is the information they sent XXXX XXXX of my monthly income and the approval letter. I had the law firm in XXXX write a letter to XXXX XXXX specifically requesting the documents, but that was over two weeks ago and still no response. XXXX XXXX, the XXXX at XXXX finally responded and still refused to send the documentation I requested. 
Since this mess has started, my command has been involved in this which is negative for me. This could potentially ruin my credit and any future career aspirations I would like to pursue in law enforcement. Due to those fields being effected by how well your credit it. Not to mention XXXX XXXX is threatening to repo the car. 
This is an extremely stressful situation for me and I am asking for your assistance to resolve this issue quickly. If this car dealership did this to me, most likely they have done it to countless other XXXX. 

I also ask that you contact my mom as she knows all the details in this matter and can probably explain details better than I can. she is of the opinion that this should result in a huge investigation and people need to be held accountable. 
As of today I learned that XXXX XXXX XXXX purchased XXXX XXXX and I called them to request the document that XXXX XXXX sent them indicating my monthly income at {$4100.00} and they refused. I asked if they only way to obtain the document was with a subpoena and he laughed and said yes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i need them to be erradicated from the 3 credit report agencies right now. Se the list of accounts down bellow : 1. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX/XXXX  Account XXXX : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I wish to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute with Wells Fargo regarding a financial scam that caused me significant financial and XXXX  harm. 

Please see the attached PDF file containing all relevant documents and evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

CAPITAL ONE OPEN A ACCOUNT WITH OUT MY AUTHORZATIONS AND I HAVE A FRAUD FREEZE ON MY REPORTS AND SOMEONE OPEN A CREDIT CARD AND MAXED IT OUT AND BLAMING ME CAPITAL ONE 2 late payments {$9100.00} Closed Account info Account name CAPITAL ONE Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XX/XX/XXXX Open/closed Closed Status Closed. {$610.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXXXXXX  Balance {$9100.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX  Credit limit {$8000.00} Monthly payment {$350.00} Last Payment Date XX/XX/XXXX Past due amount {$610.00} Highest balance {$9100.00} Terms - Responsibility Individual Your statement - Payment history 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 Current / Terms met 30 Past due 30 days 60 Past due 60 days - Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Comments Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher
Product: Credit reporting or other personal consumer reports

I pulled copies of my credit reports and requested a reinvestigation per 15 USC 1681i to each of the three credit bureaus ( Equifax, XXXX and XXXX ) and I made them aware of inaccurate and incomplete information but it still hasn't been resolved up until now. I followed up with a method of verification per 15 USC 1681i and am documenting it here.
Product: Debt collection

On XX/XX/year> I spoke with the collection agency when they asked me for a {$1.00} for them to verify the debt, which I did not have so they were not able to give me any information regarding the debt theyre attempting to collect
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX SSN : XXXX Consumer DOB : XX/XX/year> Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : *XX/XX/XXXX ; Under the Account Number : XXXX ; Opened On : XXXX * XX/XX/XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XXXX * XXXXXX/XX/XXXX ; Under the Account Number : XXXX ; Opened On : XXXX * XXXX XXXX XXXX XXXX; Under the Account Number : XXXX ; Opened On : XXXX * XXXX XXXX XX/XX/XXXX ; Under the Account Number : XXXX ; Opened On : XXXX * OPPLOANS XXXX; Under the Account Number : XXXX ; Opened On : XXXX *XX/XX/XXXX ; Under the Account Number : XXXX ; Opened On : XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Reported by XXXX XXXX XXXX, I am writing to formally dispute inaccurate information that has been reported on my credit report by XXXX, XXXX. I have never had a loan with XXXX XXXX XXXX, nor have I provided them with consent to report any loan-related information on my behalf. Their representation of this account as a loan is false, and the negative information reported as a result is inaccurate. 
The presence of this information on my credit report is unauthorized and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates the accuracy and authorization of information provided to credit bureaus. 
The inaccurate information I am disputing includes : Having a loan, having a past due balance, reporting payment that was never made
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Student loan

I have been with XXXX on the Public Loan Service Forgiveness plan since XX/XX/XXXX. On XX/XX/XXXX I contacted them because on my account it says I have only made 7 qualifying payments out of the three years I've been with them. As of today XX/XX/XXXX they still have not reviewed my complaint and fixed their mistake. They keep saying I am on the right plan, but my qualifying payments are not moving. I have contacted them at least once a month since I inquired about this and I keep getting the run around. At first they said it would be 7-10 business days, after that they said it would be 160 days. I called today which is day 290 and I still do not have an answer. The lady said she would have to email her supervisor and they would get in contact with me within the next 7-10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX XXXX  XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, and the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this account that does not belong to me which is reported erroneously. I am in desperate need of this account to be REMOVED and BLOCKED. 

XXXX XXXX  I XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXXXXXX