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

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A personal credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX XXXXn XXXX/XXXX/XXXX Account number ( XXXX ). A loan opened at XXXX on XX/XX/XXXX Account number ( XXXX ). A loan opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

There has been an open XXXX XXXX account on all my credit reports every month since XXXX 2008 that they ( XXXX XXXX ) can never seem to find in their system. I want to close it but they are no help at all.
Product: Credit reporting or other personal consumer reports

Please remove all unapproved hard inquiries listed on my credit report.
Product: Student loan

Every month my federal student loan payment is automatically deducted from my account. My XX/XX/XXXX payment was deducted and I noticed the amount was higher than before. I compared my XX/XX/2017 statement to XX/XX/2017 and noticed the interest rates were different ; higher XX/XX/XXXX. I never received a notice from Navient that the interest rate or the amount would change. These are the loans from XXXX
Product: Student loan

I consolidated all my Navient loans with XXXX XXXX in XX/XX/XXXX. I received an invoice from Navient in XX/XX/XXXX and contacted them. I called XXXX XXXX agnet and got both company on athree way call, during the call I was told it was an error and it would be corrected. I did not receive any correspondence after the call. Last month while trying to get a loan, i was informed I had an outstanding loan with navient. I have contacted them on numerous occasions to get a resolution to this error but it hasn't been fixed. 

I have attached the loan amount navient claims i borrowed and the factual amount that was listed on the nslds website which shows the full balance of the loan has been paid by XXXX XXXX during the consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is ineffective
Product: Credit reporting or other personal consumer reports

XXXX XXXX assigned collection authority over account # XXXX in the amount of {$1100.00} was terminated and per CRA policy must delete their reported collection in avoiding their demonstration of two collections on the same reported debts should any new debt collector ( ie : XXXX XXXX XXXX XXXX XXXX ) obtain collection authority and report to the CRA. Therefore, I dispute the continued reporting of the terminated, unpaid collection. 

Pursuant to XXXX XXXX XXXX, I owe no debt. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are violating my consumer right to privacy pursuant to 15 USC 1681 b 2. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Vehicle loan or lease

on XX/XX/2018 the vehicle was totaled. chase was made aware the very next day. chase not only applied late fees to the account while waiting for the insurance payoff check, they waited almost a month before depositing it. chase also claimed they would get the gap insurance started ( XX/XX/XXXX ) when i called the gap insurance in XX/XX/XXXX, they had not even reported the vehicle was totaled. gap insurance was swift in its payoff amount and chase again held the check for almost 3 weeks and started applying late fees. when i confronted chase about it, they reversed all the late fees. after chase finally deposited the gap check, they reversed their reversal of all the late fees and started adding random fees titled " late '' making my last payment of XXXX go to almost 300 . chase also said they would not put anything negative on my credit report and again they lied and put that my final payment was after the 30 day mark even though it was paid, recorded with my lawyer present at the beginning of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to have information in my file deleted IMMEDIATELY. I was notified today that the errors were resolved when in fact they were not there are still error on these same accounts that they stated were fixed and they yet once again are not and here I am once again wasting my time and money trying to get this resolved. I am so tired of having to dispute and go back and forth with the credit bureau and there still be information wrong. I am done with disputing these XXXX accounts and all of the inaccurate information that is on it. I have been trying for months to get ALL of the inaccurate information on this account fixed I have even disputed it though this XXXX AND THE CFPB already and everything once again was not fixed as it should have been. At this point I would like for these accounts to be removed that are listed above from my credit report because that is the only thing that can be done to satisfy me at this point. I have tried countless times for this to be fixed. It is against the law for you to keep having all of these inaccurate information on my credit file and it is unfair. Just delete the accounts to resolve this situation. 

How is it possible for me to go straight to 90 days late in XX/XX/2019 then go straight to 120 days late in XX/XX/2019 then 150 days late in XX/XX/2019. This pertains to just about all of the account. I can not be on time one month and then 90 days late the next month it doesn't make sense.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Those two accounts are very inaccurate and need to be deleted from my report. I never authorized anybody to open a account nor give any of my information to a third party like XXXX i never sign a contract with no credit agencies so the information being reported should never be on my report by law its a violation of my consumer rights I have all the rights to keep my information private. Only if I allow it to be done publicly with written proof which I ask them for that was never provided within the period time of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with false and misleading information on my consumer report for well over a year which has violated my rights as a consumer and caused me distress. I have attached a notice from XXXX to remove all information associated with this company and I have the dispute number to back it up. ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I tried logging into to TransUnions site to review my credit report and check/change the status of my credit freeze. 

I entered my correct username and password and was prompted with a notification that they had sent me a one-time passcode ( OTP ), usually a 6+ digit numeric value, to my email address to finalize logging in. 

Unfortunately, no OTP ever arrived. 

I chatted with them and was provided 2 XXXX-numbers to call ( XXXX and XXXX ). 

I called, went through the prompts advising that I am unable to login to website and similar. Unfortunately, at the end of these prompts I was told that call volume is higher than usual and then the call disconnects about 1 seconds later. 

I tried calling many times, all with this same outcome. 

It is irresponsible for any company, let alone a credit reporting agency, to not allow you access to your own account and details. 

This is highly bothersome.
Product: Credit reporting or other personal consumer reports

Some one has been using my social security number for employment. I found this out through the government calfresh works program. Also Im currently undergoing bankruptcy and the same issue showed up as someone using my social for employment.

Here is the last info that was collected this year on employer info for this person that showed up on my credit report. 
( XXXX XXXX. XX/XX/scrub>XXXX XXXX ) thats all the info I have at the moment. 
What else can I do to stop this?
Product: Debt collection

On XX/XX/2019 XXXX XXXX of S & S recovery called my job from XXXX I called her back and asked her to not call my employer again. She stated she will not and made a note to not call my employer. However today XX/XX/2019 she has again called my job.
Product: Mortgage

I am currently in the loan modification process with a sale date on my property for XXXX. I have complied with Ocwen loan servicing , LLC . I am very concerned about the sale date while in the modification process. My relationship manager assigned to my modification process said to me on XXXX at XXXX pacific time. I have a complete modification package submitted. Along with a letter to clarify a mistake on the XXXX tax return that showed I had XXXX businesses but I only have XXXX business. There should be no sale on my property at this time. Please stop the sale date while I am in the modification process.
Product: Debt collection

BACK IN XX/XX/XXXX I WENT TO XXXX XXXX AND WAS TOLD TO APPLY FOR XXXX TO COVER THE ER BILL I HAD A XXXX, I DID AND WHEN I GOT THE BILL I CALLED GAVE THEM THE XXXX NUMBER TO TAKE CARE OF THE BILL AND NEVER HEARD ANOTHER WORD THEN XXXX XXXX XXXX XXXX PA REPORTED TO THE CREDIT AGENCIES I DISPUTED IT AND IT CAME OFF AS WELL I CALLED AND THEY SAID THERE WAS AN ERROR THAT THEY DIDNT HAVE THE DEBT. THEY CLEARED THE COLLECTIONS OFF OF MY CREDIT, THEN ON XX/XX/XXXX AND AGAIN ON XX/XX/XXXX THE LAW OFFICES OF MITCHELL D STARTED REPORTING IT. I CALLED THEM AND EXPLAINED TO THEM EVERYTHING AND THEY SAID THERE WAS NOTHING THEY COULD DO AND HAD NO INFORMATION ON THE EVENT EXCEPT THAT I OWED XXXX. AND REFUSED TO LET ME TALK TO SOMEONE THAT COULD HELP REFFERRED ME TO THE PATIENT ADVOCATE DEPT WHICH I HAVE CALLED EVERYDAY SINCE I SPOKE TO THEM AND YET TO HAVE SOMEONE ANSWER THE NUMBER THEY PROVIDED.
Product: Payday loan, title loan, personal loan, or advance loan

I was misled into signing a document unaware of the hidden fees to fix my AC in my car. Now bi weekly, I am paying more than I can afford for a loan that was supposed to only cost XXXX which turned into XXXX.
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 XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report shows two inquiries on my file from Chase XXXX which were not initiated by me, on XX/XX/XXXX and XX/XX/XXXX. I have contacted both Chase and XXXX regarding the XX/XX/XXXXinquiry and was told it would be removed. That report is conveniently not available. I believe I made a dispute regarding the XX/XX/XXXX one a few weeks ago but no response, and I am literally unable to start a new one online- there is no " dispute '' button that they speak of when I follow their instructions. I now have an extended fraud alert request in with a different credit bureau.
Product: Credit reporting or other personal consumer reports

I entered into a loan consolidation with my credit union ; XXXX XXXX XXXX XXXX to pay off several credit cards. One card was XXXX  and it is managed by Continental Finance Company. This card was paid off for the amount due at the time of the consolidation loan which was {$810.00} on XX/XX/XXXX. The check was cashed by them on XX/XX/XXXX and they closed the account on XX/XX/XXXX. They have continued to add charges to the balance which is now {$1300.00} and have reported it as a charge off on my credit report. I have made numerous phone calls attempting to resolve this and each time I am told to send the information to XXXX which I have done now three times. They will not give me a phone number to contact this back office and they have not responded to my emails. Each email has had the cashed check copy attached but they refuse to acknowledge me or their mistake. This false credit item is damaging my personal credit score. The only phone number I have is XXXX and they will not give me a phone number to contact their " back office ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a copy of most recent background check. Name and address are incorrect. The false information dates to  XXXX ,  2017 .
Product: Money transfer, virtual currency, or money service

I paid {$50.00} via XXXX on XX/XX/XXXX, did not receive the promised item, then immediately called my bank ( WF ) to stop the transfer ( it didnt go through until days later on XX/XX/XXXX ). The bank told me they could not stop the payment, but would credit me the {$50.00}, but then I never received it. I then spoke to 8 different Wells Fargo agents over the next 2 weeks over many hours who were all giving me inconsistent information and false promises. Then I got a letter stating my claim has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, Incident # XXXX, XXXX Police Dept. Many accounts were opened in my name fraudulently between XXXX. Due to the ID Theft I had to close by bank account a few times and also I had to get a modification. The company told me to not make any payments until the modification was complete. I would like to start an investigation on the following account : XXXX XXXX XXXX Opened : XX/XX/2011 Amt. XXXX
Product: Consumer Loan

I have tried to set this Wells Fargo account on autopay 5 times ; three times online and twice on the phone. The first time the page indicated the account was set for autopay. Two weeks later I received a very unfriendly call threatening to take the account to collection and report the account to the credit bureau. I paid the bill over the phone. I again set up autopay online and called to confirm that the account was on autopay. I was told the next payment was not due until XX/XX/2017. I thought that was odd because the date I set the account on autopay was early XXXX. I received a statement XX/XX/XXXX ( with a mailing date of XX/XX/XXXX ). The account was due on XX/XX/XXXX and had a late fee added. I mailed a payment on XX/XX/XXXX. I called XX/XX/XXXX to ensure the account was up to date. It was not. I was transferred to 5 different departments. I asked to speak to a supervisor and the line disconnected after the agent spent 45 seconds yelling that we had a bad connection. I could not set up autopay because the account was not up to date. One agent offered to send autopay enrollment through the mail. Each agent repeated the same information to me and tried to collect the bill. Each also said autopay would take 30-60 days to be effective. I have to go online each month to check the account and find out if the autopay is in place. My credit score has dropped 50 points because of Wells Fargo.
Product: Credit card

I purchased a brand new XXXX, side by side, refrigerator in XX/XX/2015. The ice maker quit producing ice in the month of XXXX, but because of the cold weather, we were unaware of this fact. The following month the refrigerator was not cooling properly and we notified XXXX directly. They ( XXXX ) sent a repair tech out to our home XXXX different times and he replaced the ice maker. BestBuy Consumer Credit company was contacted and a dispute was initiated. They have denied the dispute because I did not purchase an additional warranty through BestBuy
Product: Debt collection

Today XX/XX/XXXX I received a collection letter from a collection agency referencing an alleged debt from XXXX that is on behalf of XXXX with whom I have never had any credit card, loan or any type of relationship with ever. 

I am concerned with how this entity obtained my name and address and alleges that I am responsible for a debt I never incurred in the amount of {$860.00}. 

The seven year rule of credit is being violated, on principle that is a violation of the Fair Credit Reporting Act, even though the debt is not mine.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to dispute the collection account referenced above. I believe that this collection account has been placed on my consumer report in violation of several federal regulations, and I request that you immediately remove it from my credit report. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Your agency has failed to provide the required validation information for this debt. According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to furnish detailed validation information before reporting this debt to any consumer reporting agency. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given an opportunity to dispute this account. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given a reasonable period to dispute the validity of a debt before it is reported to consumer reporting agencies. 

False and Misleading Representations : Your agency is in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Your agency has no authority to furnish information about this account to any consumer reporting agency without providing all the required disclosures. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

In light of these violations, I demand that you immediately : Remove this collection account from my consumer report. 
Cease all collection activities related to this account. 
Provide me with written confirmation that this account has been removed from my consumer report. 
Please treat this letter as a formal dispute of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to comply with these requests will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action. 

I appreciate your prompt attention to this matter and expect a response within 30 days. 

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

In accordance with the fair credit with the fair Credit Reporting Act XX/XX/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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts and inquiries listed below be blocked and deleted from my credit file. I am a victim of a data breach, and these entries were made fraudulently without my knowledge or authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such items promptly removed from my credit report. 
Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

There is a negative impact to my credit report due to this creditor in the amount of {$2800.00} in which I do not owe. I am not responsible for this yet I am being negatively impacted on my credit.
Product: Checking or savings account

Truist Bank continued to charge XXXX XXXX  monthly fee since XX/XX/XXXX to my checking account, until the balance went to XXXX, then they started to charge overdraft fee, and finally they started to collect the money total at {$79.00}. I was not aware this until I received their collection letter because my account was initially opened with XXXX XXXX, then XXXX XXXX  sold it to XXXX XXXX XXXX XXXX, then sold to Truist Bank. 

I called the Truist Bank and they offered a settlement of this debt. In their letter dated on XX/XX/XXXX, they state " Truist Bank, formally known as Branch Banking and Trust Company is willing to accept a settlement of {$59.00} ''. On XX/XX/XXXX, I sent a check of {$59.00} to Truist Recovery Department listed on their Settlement Letter. 

However, on XX/XX/XXXX, Truist Bank Default Recovery Department sent me a letter asking to pay again the Balance {$79.00}.
Product: Mortgage

need what I owe for hud settlement hud 1 formchase was supposed to write this offneed amt nd acct #