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

I reached out to XXXX to remove late payments remarks on my credit and they told me they couldnt do so even with some wrong information included on my report. 

XXXX reports that I have XXXX missed payments which means Ive made XXXX percent of my payments on time. TransUnion reports that Ive made XXXX percent of on time payments which is inaccurate. Also I opened this XXXX account in XX/XX/year> and there is no data for XXXX which makes no sense. Im missing payment information.
Product: Mortgage

We called our mortgage company ( lakeview loan service ) on XX/XX/XXXX to change the date of our mortgage to the XXXX of XXXX instead of the XXXX. I was assisted by a women who change it over for me. On the XXXX of XXXX my mortgage of {$1600.00} came out of my account because of the holiday. Then another {$1600.00} on the XXXX which is the day i wanted it out. Now my bank account has been negative for the past 8 days. When i called and spoke to a superviser at lake view he told me that this suituation was the completely the fault of the women who assisted me. He told me all He could do for me was refund my money back which would take 3 business days ( wednesday the XXXX ) and come into my account. Now it's the XXXX business day ( Thursday the XXXX ) i call the company again and they tell me it was sent by Mail and I wouldnt receive it for XXXX days from the date it was sent which is the XXXX. When I asked to speak with a manager they put in a request and said it would take 24-48 hours until they would contact me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX These ILLEGAL ACCOUNTS MUST BE REMOVED IMMEDITELY!

Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00}
Product: Student loan

Wages being garnished because of no payments. Tried many times to set up an affordable payment plan. Couldn't connect with NELNET services on line or phone. I sent letters trying to get lower payments or forgiveness and tried to reach out to other services for information. Unfortunately it's difficult to determine which is real versus a scam to get personal information. The school I attended lost it's credibility and now my degree is worthless so I feel like give them money back is a ripoff.
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 : XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : 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 US DEPARTMENT OF EDU XXXX XXXX
Product: Checking or savings account

Capital One lowered their interest rate on my XXXX money market savings account. They created a new savings account called performance savings with their standard competitive interest rate and the same terms of the old account type. I asked to switch my account types, and I was instructed that I could not switch account types and I had to open a brand new account and move funds and close my old account. This appears to be a scheme to not give me their standard interest rate until I noticed. I should not have had to open a new account with the same terms just to get their standard interest rate. I feel this is a scam to generate new account sales instead of just switching my account type.
Product: Mortgage

I purchased my home ( condo ) approximately 20 years ago. My originating loan was with XXXX XXXX. Approximately 6 months ago my loan was sold to Rushmore Loan Management Services (  RLMS ). I received correspondence from RLMS requesting proof of insurance which I sent proof of the Master and Flood policies. These are the policies that was required in my originating loan and satisfied XXXX XXXX for 20 years with no issues. I received my RLMS Mortgage Statement for XXXX and they added approximately {$300.00} to my monthly loan payment for Insurance. I called and they stated that I was required to have H06 coverage. I explained that the condo unit is on the XXXX XXXX  of a concrete building. The building is covered in my master insurance policy. I will take responsibility of the inner walls that are also constructed of concrete. I explained that my loan did not originate with them and they should of never purchased the loan if it did not meet their standards. RLMS Agent stated that they could not help me or explain how they could change the requirements or terms of my original loan. They said my only recourse was to write a letter to their loan department which I did with no results. 

THIS IS THE 2ND COMPLAINT - ORIGINAL COMPLAINT XXXX-XXXX  WAS CLOSED IN ERROR WITH NO FOLLOW-UP.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/2024 to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2024. Ive already included this in my previous Complaint # & I am including it again. 
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
Product: Student loan

I had a financial aid hold on my account for an unpaid balance. XXXX University, XXXX XXXX XXXX, XXXX, PA XXXX, sent my account to collect agency, Conserve. I paid my remaining balance directly to XXXX in the amount of {$2700.00}, which left a collection fee left to be paid to Conserve of {$800.00}. I contacted Conserve to come to a settlement agreement. They told me they would have to reach out the school before accepting the terms of the agreement. It has now been 3 weeks and I have not heard anything back. I tried contacting them and they still say they are waiting to her back from the school.
Product: Student loan

When I finish studying at XXXX XXXX my Student Loan was only {$30000.00} debt. Now my Student Loan Debt is {$68000.00} This is too much money. I signed up with a company and now I am going to start paying {$190.00}. I would like to see the possibility of my Student Loan to be only {$30000.00} and not {$68000.00} This is a Student Loan Abuse!!!
Product: Credit card

This is XXXX again. I just checked Chase Banks response to my complaint about my mail theft issue and the XXXX late payments that resulted from that dilemma and they are claiming that i was advised of the minimum payment over the phone, hence I am responsible. Yet I WAS NOT ADVISED of that and due to my statements going missing I had no knowledge of them minimum payments and therefore this is NOT my fault and Chase is refusing to follow the law and accept the Police report which I obtained. They are the only company that was affected that is giving me this hard time and falsely reporting to the three credit bureaus that I was dilinquent and this has tarnished my credit. I am a victim and they are being very difficult with me and they keep giving me the run around and refuse to do what is right. I advised them over and over again that the clerk at the bank simply took my payments a few times without advising me of ANY minimum. I do not bank online, so i had no access to that info. Which is why I paid the minimum as I was afraid ALL of my information was being compromised. Chase did not even care that my mail was stolen, they did n't even offer me condolences or a new card because my statements had my card numbers on it. They could care less! They have no respect of trust in their customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my credit report and I have an exorbitant amount of soft inquiries by Equifax. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports- Each of those Inquiries are against the law and subject to a {$1000.00} fine for each, paid directly to me. I am including a copy of each Inquiry below. I am submitting this through the CFPB to document and record this complaint. I am a law abiding citizen and it seems that Equifax can just do as they please while breaking the law constantly and negatively affecting the person 's credit/life. I am here to assert my rights fully and to collect the {$1000.00} fine per each soft inquiry on my report. If Equifax Willfully and Knowingly decides to further deceive me or the CFPB from this point on, then that is subject to more penalties and fines. I intend to take this as far as I need to to hold Equifax accountable for breaking the law and bullying me and causing irreparable harm to my reputation. I also intend for those inquiries to be removed from my report. 

Soft Inquiries Inquiries that do not impact your credit scores. These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit file. They may remain on your file for up to XXXX  years. 

DATE COMPANY DESCRIPTION REQUEST ORIGINATOR XX/XX/2022 EQUIFAX XXXX XXXX CONS XXXX XX/XX/2022 EQUIFAX UPDATE Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 EQUIFAX XXXX XXXX CONS XXXX XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXXXXXX XXXX CARD PREQCARD XX/XX/2022 XXXX  XXXX Soft Inquiry XX/XX/2022 EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX Subject : Dispute of Fraudulent Account # XXXX Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the validity of an account that has been reported under my name. The account states that I owe {$1200.00}, which I believe to be fraudulent. I request an immediate investigation into this matter and verification of the account details. 

To assist you in resolving this issue, I have outlined my concerns below : I did not open or authorize the account associated with the alleged debt. I suspect that this account may have been opened fraudulently without my knowledge or consent. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide written proof of the debt, including : - Documentation showing the original creditor. 
- Details of any transactions related to this account. 
- Evidence that I authorized the creation of this account or the transactions. 

Until this matter is resolved, I request that no negative information regarding this account be reported to any credit reporting agency. If the account has already been reported, I demand its immediate removal. 

I have enclosed a copy of my identity verification documents, including [ e.g., a copy of my drivers license and a utility bill ], to assist with your investigation. Please confirm receipt of this dispute letter and provide written acknowledgment. 

If this debt is proven to be invalid, I expect that XXXX XXXX XXXX will promptly correct the record and notify any credit bureaus to which the fraudulent account may have been reported. 

I request that all future communication regarding this matter be conducted in writing and sent to my address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to resolving this issue amicably and in compliance with federal law. 

Sincerely, XXXX XXXX
Product: Debt collection

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX They call 3 to 4 times a day, they do not leave a message, they call from various numbers, all Mississippi area codes, yet they are in an overseas call center. ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX   ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX at all times of the day. The one time I did speak to them in XX/XX/2018, they refused to say who they were until I told them my name. I told them I did not have a job at the time and I could not pay and then a " manager '' came on the phone and just kept asking me for a payment plan and a credit card number. I told them at that time to stop calling me. They refuse to stop calling me.
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 Account name : THE BANK XXXX XXXX MI XXXX Account Name : XXXX BANK XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : 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 state 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 crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that an old account I had with XXXX XXXX and XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX - XXXX has reported the account as a permanent charge off ststus, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX has with each credit reporting agency respectively.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and unfair collection accounts that have been reported on my credit report. I believe these collections are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and possibly in violation of the Uniform Commercial Code ( UCC ) as well. XXXX XXXX XXXX  Fair Credit Reporting Act ( FCRA ) Violations : Under the FCRA ( 15 U.S. Code 1681 et seq. ), I have the right to dispute inaccurate information in my credit report and to have those inaccuracies investigated and corrected. The information being reported by the collection agencies is either incorrect, unverifiable, or outdated, and as such, should not be reflected in my credit report. Specifically : XXXX. XXXXVerification Requirement ( Section 609 ) XXXX XXXX  The collection agencies must provide proper documentation proving that the debt is valid and that they have the right to collect it. As per Section 609 of the FCRA, I request that you furnish me with copies of all documentation that validates these debts. 

XXXX. XXXX*Accurate Reporting ( Section 611 ) : XXXX The credit reporting agencies must ensure that all information reported is accurate. If the collections can not be verified within the XXXX0-day investigation period, they must be removed from my credit report as per Section 611 of the FCRA. 

XXXX XXXXRe-aging of Debt : XXXX If the collection accounts have been re-aged, this is a violation of the FCRA XXXX and those accounts must be corrected or removed immediately. 

# # # Uniform Commercial Code ( UCC ) Considerations : Additionally, under UCC provisions, specifically regarding the rights to enforce a debt or obligation, I believe the collection agencies may not have legal standing or proper assignment of the debt. Under UCC Article 9, if the collection agency can not provide a valid assignment of the debt or a contract that explicitly grants them the right to collect, they are not legally allowed to report this debt on my credit file. 

XXXX XXXX XXXX Resolution Requested : I kindly request that you : XXXX. Investigate the accounts in question and ensure that they comply with the FCRA and UCC requirements. 
XXXX. Remove any erroneous or unverifiable collections from my credit report. 
XXXX. Provide me with written confirmation of your investigation results. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

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

Dear [ Credit Bureau ], I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> I have no recollection of initiating any transaction or applying for credit with XXXX XXXX XXXX XXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 

As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.
Product: Money transfer, virtual currency, or money service

I sent money via Zelle around XXXX and got scammed out of $XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : 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. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.