23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a victim of Identity Theft and Fraud. Because of this an auto loan was taken out in my name with my personal information. When i noticed the account on my credit report, I took the steps to address it including, filing a police report, filing a FTC Fraud Affidavit, contacting the credit reporting agencies, and contacting the creditor. I sent all this documentation to the credit reporting agencies and Santander Consumer. 

Quickly I discovered that the credit reporting agencies, will not do anything when it comes to identity theft. Even though I have disputed the account, explained to them that i was a victim of identity theft, sent them the police report, the fraud affidavit, they refuse to remove it from my credit report. This is really frustrating because I did extensive research and there are Federal Laws that are supposed to protect my rights as a consumer yet the credit reporting agencies completely ignore them and do not comply. 

I also sent all the information to Santander on XX/XX/2020 only to get a response for more information, the exact information I sent, so I sent it all again, my driver 's license, the police report, the fraud affidavit and their ID theft forms they wanted me to fill out on XX/XX/2020. Then a few weeks later I get the same exact letter again asking for the same information again! So, again I send everything they are asking for a THIRD TIME, my driver 's license, the police report, the fraud affidavit, and their ID Theft Victim report again on XX/XX/2020. Then on XX/XX/2020 I get the exact same letter again asking me to send all of the information again. It's clear they do not care either about Identity Theft or Fraud. 

I thought the laws would help me, protect me and my rights, that if I was a victim of Identity Theft and Fraud that the laws would force these companies to investigate and correct the inaccurate information remove this fraudulent account from my credit yet I find out that these companies simply don't care about me, my situation or complying with the Federal Law that is supposed to be protecting me. My last and only hope is that you will investigate and hold them accountable for their negligence and non-compliance of the Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with transunion representatives multiple times about these unauthorized inquiry accounts, and sent them letters and documents to their mailing address but they didn't remove then accounts. 

Also spoke XXXX, and they did nothing to rectify this inaccurate and unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 18 U.S Code 8 the term obligation or other security of the United States include all bonds, certificates, of indebtedness, national bank currency , federal Reserve notes, federal Reserve bank notes, gold certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United Stamps. 


Ive been trying to resolve this issue for quite some time now. Im mentally stressed out and depressed because of this fraudulent bill thats affecting my credit report and my lifestyle that Im trying to provide for my children.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the following account as paid as agreed ( OK ) from XXXX and XXXX is not reporting payment history at all. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Because the balances being reported by your company and Equifax are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federal protected consumer and the following adverse actions have been committed IN accordance with 15 USC 1681 by the consumer reporting agencies : 15 USC 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Transunion did not receive written instructions form the consumer ( me ) to furnish any of my information to creditors or debt collects or allow any corporation to put anything on my Consumer report.

I sent an affidavit of truth the the CEO of Transunion requesting a sworn affidavit by me the consumer given Transunion written permission to furnish any information from my consumer reports to any corporation or allow any corporation to furnish any information to my consumer report. Transunion did not respond properly. AN affidavit can only be rebutted by an another affidavit line by line. 

15 USC 1681a ( d ) ( 2 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( SSN card ) or similar device ; Transunion has allowed corporations to furnish inquiries on my consumer report which is looked at as an authorization and the law clearly states that authorizations are an exclusion. A credit transactions and or experience between the consumer ( me ) and the person ( corporation ) are an exclusion as well Transunion has committed these actions against me, the consumer and this has caused financial injury and ruined my reputation and my credit worthiness. Transunion is civilly liable for each action committed against me
Product: Debt collection

It is very clear now that M & T Bank was trying to commit fraud against me and my co buyer.. According Georgia UCC Indexing System from XX/XX/XXXX to XX/XX/XXXX the state of Georgia has no records of any mortgage debt or any other.. please check attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REPORTED THIS TWICE TO DISPUTE XXXX XXXX/XXXX ACCOUNT HAS NEVER BEEN LATE. THESE BUREAUS XXXX AND TRANSUNION COMPLETELY DISREGARD THE FAIR CREDIT LAWS AND CONTINUE TO REPORT FALSE INFORMATION. I WILL SEEK COUNSEL TO FILE A LAWSUIT.
Product: Debt collection

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect  until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Product: Debt collection

I have been disputing this for over a year now. I have letters from  XXXX  of   XXXX   that was sent ask ing NCB management a nd  XXXX   XXXX  to send me a payment history, which they refuse to send because  the SOL  in North Carolina have ran out and they are re-ageing the account to add a negative report on my credit report.   XXXX   has removed it because they would not verify the information. I 'm still disputing it with   XXXX   who refuse to send me the verification as well. I 'm giving bo th NCB management  and  XXXX   XXXX  15 days to comply with my dispute or I 'm taking them to small claims court which they would have to provide what I 'm asking. a payment history. this is my final attempt to contact them. I will see them in court. THIS IS MY FINAL ATTEMPT. I have sent more certified letters again. still no response to what I 'm requesting. a payment history
Product: Credit card or prepaid card

I went into a branch to apply for a Chase freedom unlimited card on Friday XX/XX/2022 because I was getting a lot of promotional emails, the most recent one on Wednesday XX/XX/XXXX, but also the same one on XX/XX/XXXX, and XX/XX/XXXX, all stating that I would earn {$200.00} cash back if I spent {$500.00} or more in the first three months of opening this credit card and 5 % back on gas station purchases on up to {$6000.00} spent within the first year if I apply before a certain date, the most recent email saying XX/XX/XXXX. When I went into the XXXX chase branch to ask about it and apply, the lady told me that I was getting an even better deal for coming in, that I would get all of that AND {$250.00} cash back. I got the {$250.00} cash back, which is nice, but after putting all gas purchases on that card, and it was a very expensive almost $ XXXX month for gas, they only gave me 1.5 % cash back on those purchases instead of the 5 % I was promised. I called the phone number on the back of the card and spoke with a supervisor on XX/XX/XXXX who informed me that she put a note on my account and that the chase marketing team would either reach out to me in about 7-10 business days or the rewards will automatically come on because I am entitled to what I was promised. Fast forward to XX/XX/XXXX, well after the 7-10 business day period she mentioned, and nobody has reached out to me and the problem has not been resolved. I call them again today and ask to talk to a manger to find out what the status of it is, and I'm told that because I didn't click the link in the promotional email that I am not entitled to the 5 % benefit. She told me that she put another note on my account that I called and that I should hear from the chase marketing team at some point, but reiterated that I am not entitled to the benefit just because I don't follow up with the email link. I argued that I was and that the branch lady promised me I would still get these benefits. Nowhere in their terms of service does it say that the promotion only applies if I click the link. I tried before to follow up with the lady at the branch but she's been on vacation all month and I thought this was an easy problem for chase to resolve without her, but it turns out unfortunately they are giving me a way harder time than I deserve. You can't promise somebody all of these special promotions and just not follow through with them. I would appreciate any help on getting the money that I am entitled to. Thank you.
Product: Debt collection

I am writing to follow up on my previous request to remove the collection account associated with CONSERVE Account XXXX XXXX from my credit report. 

I am pleased to inform you that XXXX has already successfully removed this account. However, I noticed the record is still present on my XXXX and XXXX reports. 

For consistency and accurate reporting, I kindly request that you initiate the process to remove this account from XXXX and XXXX as well. I have attached a copy of my XXXX report for your reference, which shows the account has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

I am so tired of the credit bureaus disrespecting my privacy and not assisting me in reconciling these erroneous accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a full time college student and had gone out of the country for school breaks and couldnt come back in time because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As a result, I missed my credit cards payments with XXXX  XXXX XXXX and XXXX XXXX. I also missed a balance assist loan payment with XXXX  XXXX XXXX. I could not contact them because I was out of the country and not feeling well due to XXXX. 
I recently got back to school and contacted them via phone to explain the situation and kindly asking them to remove the late payments on my file. I assured them that I plan to repay my loans in 4 days time. However, they said they could not remove the late payment reported to the credit beuareus. My XXXX XXXX has been heavily hit by those late payment reports. So Im trying to kindly get the late payment reports removed from my credit score. 

Im attaching a screenshot of an email send by the provost of my college to all my professors excusing me from moving back on campus during the time I had XXXX and out of the country.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 my wife and I were looking at rates to refinance a vehicle. We purposefully did NOT submit any applications as we are also mortgage shopping. This morning, XX/XX/2021, I received alerts that my credit reports had been pulled multiple times. On my XXXX Credit Report there is one inquiry from XXXX XXXX with no contact information whatsoever, and on my XXXX Credit Report there are 2 separate inquiries from the same credit union, XXXX. I contacted XXXX who claimed they received authorization from Rate Genius. Rate Genius 's employee, " XXXX '', advised me to dispute the inquiries but otherwise offered no assistance into the matter. 

I expect all inquiries to be removed as I did not authorize them.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of with XXXX XXXX XXXX Account # XXXX I do not have a contract with XXXX XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries that I didn't authorized on my credit report and unaware of. 
Inquiries : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Carvana mixed my paperwork up with someone else 's and they sent my registration and personal information to a different address for them to obtain my personal information and ss # and the name associated with my account is not my name. They told me at carvana that the executive team would be investigating and call me and every time the guy called he would hang up and message and say he tried to call and he was saying the incorrect name as well. I received no information about payments or anything in the mail and was unsure of how to find that out since they told me it would be all investigated through the legal team at carvana. XXXX XXXX, my car was taken from my drive by an unknown company for a repossession. I haven't had the car for more than 2 months. It isn't even registered yet because the paperwork is not accurate. I have no idea how to begin to get the vehicle back or why they took it. I did mention obtaining a lawyer because of my concern of identity theft and the data breach. They also never told me about the payment information so I have no clue where or what I need to pay.
Product: Debt collection

There is a collection account was reported to credit bureaus but did not recieve dunning notice from collection agency
Product: Credit reporting or other personal consumer reports

My HELOC was to mature XX/XX/year>. In XXXX I began talking XXXX knowing I would be able to pay the {$110000.00} balloon payment on or before XX/XX/XXXX. XXXX pointed my to Long Term Loan Modification program designed for individuals sharing my circumstance. On XX/XX/XXXX the application was submitted for review. Will under review the application stated all term and payments remain unchanged. I never heard anything further. I havent heard any from XXXX regarding my application. I was not notified if the application was approved or denied and if denied, why. In XXXX I attempted to make my regular, interest only pay, it was refused. Instead, contrary to the conditions of the loan application XXXX demanded {$110000.00}, or payment in full. The thing happen in XXXX. I sold my home at the end of XXXX, closing escrow on XX/XX/year>. The loan with XXXX paid in full on XX/XX/XXXX. Despite the provisions of the loan application and the fact that I made attempts to make payments in XXXX and XXXX they insist on reporting the account 30-60 days last to each on the credit bureaus making it impossible to qualify for a new mortgage.
Product: Debt collection

Mid-South Adjustment has inaccurate contact information on the credit bureaus for both address and telephone as required by law. 

They have their phone number listed as : ( XXXX ) XXXX Their address as : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX That phone number is not in service and they are not at that address.
Product: Credit card or prepaid card

On XX/XX/XXXX, American Express sent a message to me notifying that my account has been placed in collections placement. After having on-time payments for 2+ years and due to the impact of COVID-19 which I've tried to communicate with them, they closed the account with no suitable justification other than the account having a past due balance. This measure seems very extreme and excessive and an unwarranted exercise of improper actions taking for a small account unless internally they're looking to close unwanted account from an act of prejudice.
Product: Mortgage

I am submitting a complaint regarding the actions that Chase performed on XX/XX/XXXX by selling the home I previously owned via Foreclosure despite an active Sales Contract that was approved and agreed upon through XXXX TN Bankruptcy Court. 

On XX/XX/XXXX, I entered into agreement with XXXX XXXX, Real Estate Agent for XXXX XXXX XXXX, XXXX TN to begin the process of a Short Sale of my home. The initial proposed sales contract dated XX/XX/XXXX was submitted to Chase for review and consideration. On XX/XX/XXXX I received a letter from Chase stating the amount submitted was too low to consider and to submit a new or updates sales contract. 

On XX/XX/XXXX, I received a letter from Chase indicating that my home was scheduled for foreclosure on XX/XX/XXXX. Two days later XX/XX/XXXX a new contract was submitted with a new buyer and a new amount of XXXX. Chase approved the Short Sale with the proposed amount. The sales agreement listed the closing date as XX/XX/XXXX. This sale was approved by the TN XXXX   District Bankruptcy court. On XX/XX/XXXX the agreed Short Sale was stopped because " Seller unable to provide good title. '' Because the home was in bankruptcy a lien was placed on it to assure that any proceeds of the sale would be paid to JP Morgan Chase as part of the bankruptcy agreement. The approval authorizing the sale specifically stated conditions that JP Morgan Chase Bank and all liens would be paid in full as the closing. 

On XX/XX/XXXX, Chase sold the home as a foreclosure auction by a Third Party at the same approved amount of XXXX. Chase was fully aware that a Short Sale which had been approved by the Bankruptcy Court was to have been completed by XX/XX/XXXX. Once the sale had been completed, all liens would have been released and the Seller could have received a complete title free from any liens. 

Because Chase did not fulfill the approval of the sale via bankruptcy and sold the home as a foreclosure, I will now have a foreclosure listed on my credit and that should not be the case. Chase negligence in adhering to the approval of the sale has now placed my credit in a dismal state. 

Because Chase neglected to fulfill the approved sale of the home that was agreed upon and in process of closing on XX/XX/XXXX, a foreclosure was performed. Once the Short Sale had been completed, the new homeowner would have received a title that was free from all liens.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX When I looked at my TransUnion credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX 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 XXXXXXXX Balance : {$15000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting

In XXXX XXXX, I negotiated a full settlement of my credit card account with XXXX Bank XXXX for less than the full balance. XXXX informed me and confirmed in writing that my credit report would show no delinquency, but would only state, " Legally paid in full for less than total balance ''. In XXXX, I received my credit report and the XXXX credit card was shown as a delinquency. I called XXXX and they removed this inaccurate information. Nevertheless, in XXXX XXXX, I received a new copy of my credit report and XXXX again showed up as a " Negative '' account and showed a delinquency.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.