23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX sold our Private student loan to XXXX  XXXX XXXX XXXX. I am the cosigner, and my son XXXX XXXX is the borrower. The loan started at XXXX in the Fall of XXXX  and ended at XXXX. The interest and fees were too much. I transferred the loan to XXXX XXXX. I would never be able to pay this loan off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the Chase XXXX XXXX XXXX active for her to use. We contacted the Chase credit card company and filled out the form to remove me as Authorizing Officer, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get Chase XXXX correct this error. The Chase credit card company assured me its being handled each time I called them to say Im still seeing it on my credit report. Chase is now not returning my calls.

This erroneous Chase information has caused my homeowners insurance to triple. Im s XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XX/XX/2022
Product: Mortgage

I had hurricane damage to my home and received money from my insurance company to make the repairs. Flagstar has held these funds unnecessarily and repeatedly failed to answer my questions or to follow up with me on concerns that I have raised. The main contact I have been dealing with is XXXX XXXX XXXX, who takes weeks after my continued emails to respond to me. I am having to drain my own bank account to pay the roofing contractor to make the repairs, which is entirely unnecessary.
Product: Credit reporting or other personal consumer reports

Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection account below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law.

Legal Basis for My Dispute : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided. 

Green v. XXXX XXXX XXXX. LLC ( XXXX ) : A statement alone is insufficient proof of debt ownershipyou must provide a complete chain of assignments. Missing any Bill of Sale voids your claim.

15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

Securitization Law : If this debt was bundled and sold as a security, you lack standing to collect.

My Formal Demands : Debt Validation Provide : The original signed agreement and full payment history.

All Bills of Sale/Assignments proving continuous ownership.

Confirmation this debt was not securitized. 

Cease-and-Desist : Stop all collection and reporting activities until validation is completed.

Immediate Deletion : If you can not fully validate this debt, remove it from Experian, TransUnion, and Equifax immediately.

Personal Information Update Please update my credit file to reflect the correct information and delete all incorrect information : Correct Personal Information : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Delete Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following Employers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Accounts to Be Validated and Addressed : XXXXXXXX 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  Unauthorized Inquiries to Be Removed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to comply within the legally required timeframe will result in formal complaints to the CFPB, FTC, and legal action for violations of 15 U.S.C. 1681n & 1681o.

I expect written confirmation of compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$300.00} that wasnt accepted do to wrong information on my behalf, I wasnt aware of it until the XX/XX/XXXX payment. When XX/XX/XXXX came around my payment was considered late with late charges. My account was closed due to those situations. I accepted the account being closed, the problem is I wasnt aware til later about the information this negative remark is holding me back from closing on a house. They are not willing to work with me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the mishandling of my repeated attempts to remove fraudulent items from my credit report. 

Despite submitting disputes on multiple occasions, this marks the fifth attempt to address the presence of fraudulent items on my credit report with your agency. Despite providing ample evidence and documentation to support my claims, these efforts have consistently been met with disregard, and the fraudulent accounts persist on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly resolve disputes brought to their attention. 

I demand that your agency immediately conducts a thorough investigation into the fraudulent items on my credit report and takes decisive action to remove them. Furthermore, I request that you provide me with written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Due to issues of fraud alerts I recieved I placed a credit freeze at all three credit companies. Since that time I have to lift and replace the freeze but when doing this with Transunion their website for handling this is not functioning and I have had to do so via the telephone. This is a long and difficult process due to wait times in answering the phone. It has not been weeks and there seems to be no progress or information available as to when they plan to fix their website.
Product: Debt collection

They call me late at night early in the morning weekends days and nights I have XXXX XXXX AND ANY STRESS CAN CAUSE ME MY LIFE. I dont owe this company anything and they are harassing me please help me
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires on my report or I believe some XXXX applied for something in my name there was XXXX inquires And I have been trying for months now to dispute them with XXXX and they have been nothing but unsupportive The following bank names and dates are : Citibank - XX/XX/XXXX XXXX XXXX Bank - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and Im submitting this CFPB complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information that are listed on an IDEDNTITY THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of accounts and information which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I wrote and mailed equifax a letter to dispute inquiries on my credit report that do not belong to me. On XX/XX/XXXX I filed a dispute for the same issue online. Equifax refused to remove the inquiries and corresponded back to me via mail issuing a letter that doesn't belong to me. The person 's name is a XXXX XXXX. I have over the course of the last three months have mailed Equifax my drivers license and social security card three or four times and Equifax continues to correspond to me with another person 's name. They have also not began to process the dispute letter I mailed on XX/XX/XXXX. 

This is the third complaint for this issue that Equifax has failed to resolve. Equifax also continued to send mail correspondence in a name of XXXX XXXX which is not my name.
Product: Debt collection

Portfolio has been calling me multiple times a week, after explaining to them that I am unemployed and can not repay any debt that I owe. After explaining that Im unemployed because Im a XXXX XXXX XXXX to my XXXX XXXX XXXX  I was asked how Im getting by day to day, which to me was a very inappropriate question to ask since it has nothing to do with the debt. The person on the phone sounded very disrespectful, rude and belittling.
Product: Credit card

My primary bank changed operating system last year. XXXX returned payment for credit card. I manually corrected account information and paid account balances to XXXX  as I normally do. Capital one closed all of my accounts. Including a credit card not used since XXXX.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed that inquires that I did not make nor did I approve anyone to pull my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Bank Account # XXXX 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 further 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a deferement based on the Cares act for my current heloc. I applied for a mortgage from Royal United Mortgage, after a lengthy ( over a month ) application period during which they charged me for an appraisal XXXX dollars I was turned down for a mortgage stating that I had unacceptable payment record on my current loan. I checked my 3 to credit reports and there was nothing. They finnally sent me a letter 3 months after the fact that my loan was denied based on information from XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, CA XXXX. This has already negatively affected my credit and the home repairs that I needed to make and debt consolidation are now out of my reach. I would have NEVER taken this deferment if I knew this was going to affect my credit so negatively
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Student loan

I have four student loans with Navient, previously they were with XXXX XXXX but were switched. When I took the student loans out I was informed there would be different repayment options and if I do get behind on a payment I receive phone calls stating that they can help me lower my payments and to discuss my options. I call and they never give me any options or help to lower my monthly payments, they tell me there is no other options. My mother, who is also a co-signer, has called also to ask about my options and they tell her the exact same thing.
Product: Mortgage

I have been trying to obtain a short sale approval with the lender through its servicer GREGORY FUNDING, the file was sent to the same person XXXX XXXX 4 times ; however, this individual called us in order to request the removal of our realtor for the deal or else the servicer and lender will not approve the short sale ; the realtor never spoke with her before, XXXX XXXX spoke with the realtor 's processor ; XXXX XXXX does not like the realtor 's processor, and she is refusing to work with her, so she called my ex-wife ( " the borrower '' ) twice already in order to request for her to be removed as realtor from the short sale, and the realtor represents the seller and the buyer in this short sale. I believe that is unfair and illegal that this person requested this ; moreover, this is even worse that they DENIED the short sale because of this. The Servicer Gregory Funding made us wait hours before they answered the phone, and if you leave messages to XXXX XXXX, she will never call back. 
There is nothing else to do in the short sale, the counter offer was sent to them, and they did not provide the appraisal results to us.
Product: Credit reporting or other personal consumer reports

I reached out to experian in regards to alllowing false reporting to the credit bureau and to investigate this matter and to immediately remove from my profile. I requested a dispute and they denied my request as if the reporting was accurate from this company with no evidence provided to me. Which is a improper investigation and failing to remove inaccurate information. Because of this my credit score decreased by XXXX points. with more then XXXX days late of a account that is not mines. this has interfere with me purchasing a house due to this matter. I have also sent a letter to stellar fi demanding proof of agreement, investigation an filing fraud via certified mail which they have not responded too. I've also filed fraud with FTC and a complaint with the CFPB complaint id # XXXX which the company have not responded back too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed Identity Theft Affidavit for acounts that are a result of ID Theft. 
Please block information from credit report.
Product: Debt collection

CarMax XXXX XXXX, XXXX, This is a formal dispute and demand for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX et seq., and Texas state law, specifically the XXXX XXXX XXXX XXXX. Your companys actions in connection with the alleged debt involving XXXX XXXX have been unlawful and require immediate remedy. 

Violations of the FDCPA and XXXX XXXX XXXX XXXX. Failure to Provide Debt Validation Under 15 U.S.C. XXXXg ( b ) and XXXX XXXX XXXX XXXX, I previously requested validation of the alleged debt, including : A full accounting of the amount claimed ; A signed contract or agreement obligating XXXX XXXX to the debt ; Documentation of ownership of the debt if assigned or sold. 
To date, your company has failed to provide sufficient validation, which is a direct violation of federal and state laws. 
XXXX. Failure to Provide a Signed Repossession Order I have also requested a signed repossession order authorizing the seizure of the vehicle. Under XXXX XXXXXXXX XXXX XXXX XXXX XXXX, a secured party must have the legal right to take possession of collateral. Without proper documentation, your actions constitute wrongful repossession. 
XXXX. Unfair and Deceptive Collection Practices Under 15 U.S.C. XXXXe and XXXX XXXX XXXX XXXX, your company has engaged in misleading and deceptive practices, including but not limited to : Representing or implying that XXXX XXXX is obligated for a debt without proper legal documentation ; Attempting to collect without valid proof of debt ownership or legal assignment ; Failing to provide verification upon request, thereby continuing unlawful collection activity. 

Demand for Resolution Pursuant to 15 U.S.C. XXXXg ( b ) and XXXX XXXX XXXX XXXX, you are required to : XXXX. Cease all collection activity related to this alleged debt until proper validation is provided. 
XXXX. Provide, within XXXX days, the following : A signed copy of the original agreement ; A signed repossession order ; Any other documentation proving the validity of this debt. 
XXXX. Cease any further communication with XXXX XXXX regarding this matter unless proper validation is provided. 

Failure to comply will result in further legal action, including but not limited to : Filing a complaint with the XXXX XXXXXXXX XXXX XXXX Attorney General and the seeking an immediate inhumane restraining order barring you from taken action under a judge rules on the matter ; I am prepared to file my claim in XXXX business days. 
Pursuing claims for statutory and actual damages under 15 U.S.C. XXXXk and XXXX XXXX XXXX XXXX for unlawful collection practices. 

This dispute is being recorded for legal purposes. Please provide all requested documents in writing.
Product: Checking or savings account

I have a CD account with Comenity Direct. Back around XX/XX/XXXX I received an email that the CD would be maturing and to either call or use the secure mail feature on their website to confirm if in fact I did not wish to renew. I called and I also used the secure mail feature and advised the bank that I would not be renewing the CD. In turn, I received both verbally and email confirmation that they received the request and after the CD matured, they would send back the money ( {$51000.00} to my checking account which initially funded the CD.  It's now 6 days since the CD matured and the bank has still not processed the request. In turn I have spoken several times with several different customer representatives and each time I get a different story. The last story is that they are working on the ACH and the reason it's taking so long is they work on them in the order were received. I was also told initially that I could transfer the money back to my external account once the CD matured which is not true as even though online it shows my external account information, it doesn't give me the ability to do anything. Please help. Thanks for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not recognize any of these account and Never applied for these accounts. Please remove all of them from my credit report because its not mine.
Product: Credit reporting or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX XXXX XXXX  {$3000.00} XXXX XXXX XXXX XXXX {$28000.00}
Product: Debt collection

I contacted DCI on XX/XX/XXXX and XX/XX/XXXX requesting that the company send me a validation of this debt. They proceeded with providing a bill from XXXX but it was not the original legal bind contract bearing my signature that this debt is mine which is what I requested. I am disputing this because I have no knowledge of this account, and I would like to this be removed from my credit because it is affecting my majorly. I have asked the company to please remove if they can not provide evidence of my ownership, but they continue to report.