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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

In about XX/XX/2018 a few weeks after giving birth to my XXXX  child I went to XXXX XXXX  to get a car. I was looking for a truly affordable option for my family so that I could get around town and after unpaid maternity leave get back to work. I had a down payment of {$1500.00} and decent credit. While working with the salesman and the loan officer I didnt feel listened to in terms of what payments I could afford and the price continued to grow and the interest rate was insane. I was advised to pay in time for a year which I have done so over a year now and then refi. I am unable to do so with my current lender Santander consumer USA and my bank is asking for me to put over 4-5k down in order to have the option to refi. I am currently underwater on this car and have no way to get out of the loan and the payments be have become unbearable with my current daycare costs. At this point I feel like I have no options and I feel like I was locked into a deambular that instead of helping me to help my family is hurting us.
Product: Credit card

Used the PayPal interest free for 6 months option. I paid my balance in full on the purchase I used it for within the 6 month promotion. I have gotten XXXX statements on the interest and late fees that were incurred during the 6 month promotion. I am now in collections for the fees and late payments that should have never been applied according to the promotion of 6 months deferred payment with no interest. 
There is already a lawsuit settled from PayPal regarding this exact issue and the customer service representatives will not correct problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Compliant is to Transunion. 
I've been disputing multiple Fraudulent accounts that Have been reporting to the 3 Bureaus. I started these disputes back in XXXX and have also included a police report explaining how I've been a victim of identity theft. Transunion Fraud Department has placed a security freeze and Fraud alert on my file due to the submission of the police report but continue to inaccurately report these items I've been disputing these Items and going back and forth with Transunion as they keep saying the items are Verified. Now Transunion has changed the status of these accounts as closed, charged off and also are reporting these items as " On Time '' accounts. 

XXXX XXXX XXXX  is reporting as an On Time account, never late / charge off XXXX XXXX is also reporting as an On Time account, never late / Charge off another XXXX XXXX account is reporting that I owe {$7500.00}. It states the account was opened XXXX for {$7800.00}. It states no min monthly payment, {$7500.00} past due and reports No Late Payments. This makes so sense and is totally incorrect How is an account opened in 2019 and states I'm past due {$7500.00} but also states there's no late pay! These accounts are totally inaccurate and do not belong to me These accounts previously were all posting as negative accounts with late payments Now they are reporting as " ON TIME '' accounts with No late payments & charged off or stating I owe past due amount with no late payments. 

This information that's reporting does not match XXXX and XXXX 's reporting info. 

I requested in my disputes that Transunion provide proof bearing my signature that these accounts are owned by me. I have never received any proof from Transunion. 

All they've done since my disputes is send copies of credit report, Claim the accounts were verified. I requested copies bearing my signature and their method of verification. They have failed to do so and they are in violation of the FCRA. 

Transunion has changed the status of the accounts to closed as On Time accounts, No late pays and charged off. These accounts are not mine and I demand these items to be deleted because they have yet to prove these accounts belong to me nor have they prove that I owe the balances reported I have submitted all copies of my disputes that were sent regarding these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally filing a complaint for the following accounts listed on my credit reports for the following reasons : XXXX. XXXX XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX There are several issues concerning these accounts that make them fraudulent and/or illegal. 

The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. 

The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to XXXX XXXX XXXX, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement. 

The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to log into my account after I paid the full one time annually price for XXXX  credit reports I entered all of my information and after calling for help I got an automated response that did not help at all. After calling 3 times and being hung up on my account was frozen and I am unable to log in. The phone line was closed when I get again had to call to resolve this issue.
Product: Mortgage

Capital one approved a pre-authorization of a loan, had to pay {$400.00} for appraisal, this has been done twice once XX/XX/XXXX, and XX/XX/XXXX. Both times refinancing seemed duable, only to find out I got denied again by capital one. They did n't approve a modification nor a refinance. I do not not where to go from here being that my note was sold to capital one from a lender that was predatory.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNt : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

I received an installment loan from check n go XXXX, Oklahoma in the amount of {$900.00} in the spring of 2021, I made payments to said loan for 3 months before dealing with a major health and relationship change. This change caused me to have to change bank accounts and living situations. I was able to relay that change to multiple other financial organizations where payments were owed however I was not able to contact check and go, I take full responsibility for this. My complaint is the fact when I call said company who now is contacting me to resolve the debt ( XXXX ) I believe they said their name was, is accusing me of lying about receiving certified mail. I stated I am not here to argue, can you please send me or email me some documentation, I will not be making a payment over the phone, at which point the agent got angry with me and then proceeded to hang up on me andi could " wait on my court documents. '' Would love to get the issue resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, the following entries are unauthorized and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied for a refinance of my mortgage home loan on XXXX XXXX. I provided all loan Documents needed for the approval process. AmeriSave has a portal on their website to track the progress of my loan approval. AmeriSave showed my loan was approved on XX/XX/XXXX, and final closing disclosures were signed by me and submitted to the mortgage company. I signed the loan documents on XX/XX/XXXX with the Notary, who sent the signed documents to AmeriSave and was received by AmeriSave via ( XXXX on XX/XX/XXXX ). The loan was scheduled to fund on XX/XX/XXXX. As of this date, my loan has not funded. I was told by the escrow company, that AmeriSave has not sent the signed documents to them, so they can fund. I am not able to get a response from my Loan agent at AmeriSave, or the loan processor. Today is XX/XX/XXXX and I have no knowledge of the funding date of my loan. I am afraid my signed loan documents have been misplaced by AmeriSave or have been lost. 

Upon request, I can provide you with multiple emails and requests I sent to the employees who were handling my loan. I am experiencing Lack of communication and poor customer service and no follow up with the client, at both the mortgage company and the escrow company. 

I respectfully ask that you assist me in resolving this issue. 

Best Regards
Product: Mortgage

I was behind on my Mortage by XXXX payments. XXXX and XXXX, I made XXXX 's payment. Then on XX/XX/XXXX our mortgage company tried to take out {$2200.00} from our bank which I didn't have so it didn't go through. XXXX XXXX and XXXX I called and make XXXX more payments to get all caught up. I paid what they told me was due. Which was in XXXX payments. XXXX payment of {$1100.00} and XXXX payment of {$460.00}. I told him that sounded wrong but he kept saying that's all that's due, So I paid it. 
Now I have been in a fight with them because they're saying they never received that money! I even sent in Bank Statements showing the money went through and was never rejected or returned but they are still saying they don't have it and want me to repay it! 
I have XXXX 's payment for them but haven't paid in fear of them supposedly not receiving it again. I need help investigating this. They're saying I owe {$3600.00} which isn't correct. They won't give me any info to match info with my bank. I have spoke with my bank numerous times, They all say tje payments went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union, XXXX XXXX XXXX XXXX have 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the account completely from my Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2006 Balance {$7000.00}
Product: Checking or savings account

My ex-wife is a joint holder of this checking account. This account was not set-up with overdraft protection. It has always been my understanding that a checking account without overdraft protection, could not become more than a few cents overdrawn. On XX/XX/XXXX, after the account had already been overdrawn, KeyBank allowed the other account holder to make a withdrawal of {$4700.00}, which left the account some {$3500.00} overdrawn. This was a checking account not a credit account, and the cash withdrawl transaction should have been declined. I called and spoke to an agent who said they would file my complaint. I did not hear anything back. A week later I filled out the KeyBank online complaint form, and still have not heard anything. The withdrawal putting the account in negative needs to be reversed.
Product: Credit reporting or other personal consumer reports

Years ago I had a prepaid account with money lion. I stopped using them. I then noticed there were 3 different entries on my credit report from that company. 2 of the account show that I paid them off but its charged off. One of them shows a balance history that says collateral released or something & the historical balances I cant make sense of. I have disputed them with all the bureaus. I have called and spent countless hours on the phone with moneylion with no progress. I am trying to get my credit In order to buy a home & this is a huge impairment. I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken to several representatives at Equifax concerning the problem of them not receiving any documentation that I have clearly submitted! I have mailed in documentation that was mailed via certified mail and I have also faxed in all necessary documents requested by Equifax to fax number XXXX. Ive spoken to agent XXXX in the XXXX XXXX Care Fraud Department and his supervisor XXXX employee number XXXX  on Wednesday XX/XX/21. XXXX instructed me to yet again wait until Friday XX/XX/21 for the documentation that was faxed in on XX/XX/21 to be uploaded. The US postal service gave me confirmation that my dispute letters and supporting documentation was received by someone at Equifax on XX/XX/21. I also called in today on XX/XX/21 to follow up again and I was told that they havent received any documentation from me since XX/XX/21! Thats ridiculous! I have inquiries on my consumer report that I have instructed Equifax to remove and they refuse to follow the FCRA! They are clearly violating my consumer rights! The agent that I spoke to today has stated that she filed a complaint on the mail department because they arent doing their job by not uploading my documents, and the complaint number is XXXX, and she also filed a dispute to remove the unauthorized inquiries listed in my FTC report. The Dispute confirmation number is XXXX. Equifax has refused to upload my dispute letter which has supporting documentation to remove the unlawful late payments being reported on my XXXX accounts. This under the FCRA is defined as willful negligence and violates 15 usc 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is not mines. i have submitted a dispute to the Attorney General of the State of MS . This company has never contacted me at all. By right I have 30 days to dispute this debt once I have received notification of debt. This company has not done nothing but post wrong information on my report. 

XXXX XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : 08 XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX a personal loan with discover personal loans I applied for was finalized. 

The payoff amount for a loan I have with XXXX was in the amount of XXXX. I provided them with the account information. I offered to pay this off myself but they said they would do it. 

This money was instead sent to another creditor that I do not have debt with and have never been a customer of theirs. I did not provide them with this information or authorize them to send any money to them. This was a complete error by the Discover employee. 

When I realized this, I called and was told that they have to recover the money before correcting the loan disbursement. I was told it should take about 3 days but to call back after 5 days. I called back after 6 business days ( XX/XX/XXXX ) and was told that there has been an issue with getting the money back and I will have to wait up to 90 days as they go through the recovery process. In the meantime, I am responsible for this debt ( for the funds of {$8200.00} that I never received ) and the original debt I had wanted to pay off. This has doubled my unsecured debt and may negatively impact my credit score through no fault of mine. 

I understand that mistakes happen. But this was not my mistake. Yet Discover is making me pay for their error. They offered to credit my loan with them for the amount of my other loan payment each month until resolved and are waiving interest. However, that does not change the fact that my unsecured debt is now XXXX higher than it was before I took out this loan. This was not a reasonable solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX are reporting inaccurate information. The account Global Lending Services XXXX was included in my Chapter XXXX Bankruptcy filed on XX/XX/XXXX. The account was previously reporting correctly but for some reason on XX/XX/XXXX They updated this account and now it appears as if i just missed a payment in XX/XX/XXXX. I've attached a screenshot of the report and highlighted the information which is causing this issue. I'd like this to be changed back to how it was, the account should not have any updates since the bankruptcy on XX/XX/XXXX. This is now making it appear as if i've missed a payment recently and is reducing my FICO score and affecting my ability to obtain credit. I've already tried disputing this information but it seems the credit bureaus don't even read my dispute and just simply have an automated machine do the work which does not understand the issue. This should be illegal as it allows credit reporting companies to get away with reporting inaccurate information affecting our credit approvals and interest rates.
Product: Mortgage

On XX/XX/2016 My partner and I met with ( XXXX | U.S. Bank Home Mortgage Mortgage Loan Originator | XXXX, OH XXXX ). From our initial meeting there were a few red flags that my partner and I chose to ignore. He was 45 minutes late to our first meeting and he declined to provide my family and I a private location to discuss our loan situation despite the fact there was an empty office available. During our first visit we explained to XXXX that we wanted to secure a VA loan. He said that would not be a problem even though my partner and I are not married. On XX/XX/XXXX XXXX suggested we contact a friend of his to purchase our home owners insurance. I informed him that we will stay with the company we already had. After that exchange his attitude toward us changed in a negative way. On XX/XX/XXXX My partner and I were informed that we could not use the VA loan option because we are not married. He waited more than one month to inform us of this issue. He then suggested that we try a VHA loan. Throughout the process my partner and I were subjected to discriminatory and humiliating treatment from US bank and XXXX. His desire to push us into a Loan option with a PMI and additional monies upfront was a clear example of his lack of respect for minority buyers. He stated that we would need XXXX down on a loan amount of XXXX. He treated us like we were ignorant and his predatory tactics are disgraceful. It is clear that as XXXX minorities we were racially profiled by US bank and XXXX and this type of practice should not be allowed to go unnoticed. Despite the discrimination and lies from US Bank and XXXX, my partner and I were able to purchase our home in a timely manner. It is our hope that lenders and their representatives who purposely engage in discriminatory and predatory lending tactics should not go unpunished. We hope that our incident can help other minorities who are subjected to unfair lending practices. 

Thank You