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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you. The XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loans and credit card account opened at XXXX XXXX  on XXXX under the account number XXXX # an a loan account opened at XXXX XXXX XXXX under the account number XXXX # account opened at XXXX XXXX  on XXXX under the account number XXXX # and a account opened at XXXX  XXXX on XXXX under the account number XXXX # .That appears related to the aforementioned These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint, FTC case number # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Payday loan, title loan, or personal loan

CEASE AND DESIST USAA SAVINGS BANK Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all the following : Pay the attached bill of particulars for every violation labeled in the attached exhibits. 
Pay the attached invoice and compensate me. 

Best regards, XXXX : XXXX
Product: Student loan

XXXX has continually harrass me for payment through phone calls and emails even though I was granted a discharge under the XXXX XXXX XXXX XXXX. I have uploaded copies of the judgement from Department of Education on several occasions starting XX/XX/2023 when my loan forbearance expired. I again uploaded the letter in XXXX, both copies are sitting in the document upload file on line. I submitted a complaint to Nelnet in XXXX and XXXX uploaded a copy of the letter. I get XXXX to XXXX phone calls a week they leave messages. I call them back and get an answering message that it takes XXXX minutes to an hour for someone to answer then it hangs up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for EXPERIAN to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.
Product: Credit card or prepaid card

On XX/XX/2021 I purchased a phone from XXXX online and financed it using their Synchrony BankXXXX XXXX XXXX XXXX XXXX for a discounted price. The phone was mailed, and I received an envelope from them on my porch, but the envelope was ripped open and the phone was missing. I attempted for XXXX days to call XXXX, but because It was during the holidays was never able to get through to them, despite holding on the line for up to XXXX hours at a time and making multiple attempts at several different hours of the day and night to complete chats. So I decided to call XXXX to see if I could get resolution through them. They sent a representative out to my home who completed a thorough investigation but I never heard anything further from XXXX. When trying to resolve this issue in XXXX, I accessed my XXXX account online and located a report which stated, regarding this package search, " The search for your package is complete. We have been unable to locate your package. We will forward the search results to the shipper. '' Thus, they must have sent XXXX these results. But despite this report, and my filing a claim with Synchrony BankXXXX XXXX XXXX as to this information, I am still being expected to pay for goods I never received.
Product: Credit reporting or other personal consumer reports

15USC 1681 SECTION 604 THESE INQUIRES WERE DISPUTED AND REMOVED LAST YEAR AS RESULT OF A FRAUD AND IM NOT SURE WHY THEY ARE ON MY REPORT. I KNOW THIS LAW PROTECTS ME FROM THESE INQUIRIES BEING ON MY CONSUMER REPORT BEING THEY ARE NOT CONNECTED TO AN ACCOUNT WITH ANY EXTENSION OF CREDIT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

the debt collector violated 15 u.s. code 1692g Validation of debts. they never written me a validation letter that these accounts was my debts that i owed. account number XXXX, account number XXXX, account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX at XXXX ; I spoke to someone on a chat line about the late fees. 
I asked them to relinquish the late fees because of unemployment due to the Coronavirus. I am a employee for a XXXX XXXX  at XXXX  XXXX XXXX. I filed for unemployment a month ago and have not received my benefit. I paid my mortgage this month with the stimulus check. I asked them to waive my late fees. 
They said no because the fees were waived in XX/XX/XXXX previously due to unemployment in XXXX XX/XX/XXXX.The school is closed for the winter break. They stated they could only waive it one time only during the life of the loan. 
.I am requesting them to waive all late fees during this 3 month period if I can't pay on time. Unemployment benefits have not been processed due to the volume of people applying. We should not be penalize because of the disaster that is worldwide..
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX Account Number XXXX   Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Account Name XXXX   XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

inquires ftc violations US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting UNITED WE COLLECT INC acct # XXXX Has violated my rights under section 15 U.S. Code 1681b that states- The creditor must have written instructions of the consumer to whom it relates to report any items on my credit report.

This creditor does not have my written instruction or permission to report any items on my credit report furthermore I have no knowledge of this account and it belonging to me. I have sent letters requesting proof of this debt belonging to me and this agency refused to respond and provide the required documents according to the law.
Product: Mortgage

I submitted a complaint to the CFPB on XX/XX/2016 regarding Roundpoint mortgage not allowing typical and standard costs that have been verified from the buyers lender in a Cost Estimate for his loan that we asked the bank to allow after raising our sales price to cover those fee 's along with Roundpoint paying for Title fee 's for the borrower so that we could insure our title at closing for the buyer. The complaint case # is XXXX. 
Roundpoint has continued to stall in making any decisions on this account and also has not replied to the complaint submitted on XX/XX/XXXX, other than " Roundpoint needs more time '' That again is a stalling tactic. the single point of contact " XXXX XXXX '' has continued to tell me that I can not get any info from the correspondence dept regarding what is going on with that complaint. He has also said that the file is still under review and has not been responded to although they say its been complete since XX/XX/2016. It is now XX/XX/XXXX without an underwriters decision. This file has been under review with Roundpoint since XX/XX/XXXX. That is 4 months too long to highjack any file and just let the borrower continue to make payments without any response to a bonafide offer that is ready to close. Please get Roundpoint to respond appropriately and legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2018 I disputed a inaccurate Bankruptcy on my credit report with TransUnion. In XX/XX/2018 they replied back and stated that it was verified and accurate. On XX/XX/2018 a security freeze was in effect on me with XXXX I have proof and enclosed copies of the conformation. On XX/XX/2018 a security freeze was in effect on me with XXXX and I have provided copies of the conformation security freeze. on XX/XX/2018 I wrote the US Bankruptcy court with the address provided by Transunion and I wrote the court asking do they give any information to credit bureau ... The court replied back to me stating that they do not give out any information to any credit bureaus. I have proof of this also provided. on XX/XX/2018 I sent certified letter to Transunion asking them to reinvestigate the inaccurate bankruptcy on my Transunion credit report. THEY ARE NOT GIVING OUT 100 % ACCURACUY INFORAMTION, Because they was giving out inaccurate misleading information on my credit report.. I have the Certified mail receipt that I sent Transunion a letter asking for verification and to reinvestigate the inaccurate bankruptcy on my file,, I even sent the all my security freezes and letter from the court that the court do not give out any information to the credit bureau TRANSUNION. They received the certified letter on XX/XX/XXXX, XXXX have copies of the delivery notification that they received the letter, Transunion was given 30 days to reply to my certified letter from the date of signing for letter and to respond and give me information on the verification and reinvestigate ... Todays date is XX/XX/2018 AND TODAY IS THE 30TH DAY I haven't gotten a response from Transunion and they have violated my rights,,, I been waiting on a response from them and they have failed to respond to my certified 30 day letter, they are liable for nun compliance, Transunion has failed to respond satisfactory with in 30 days of my letter. TRANSUNION HAVE NOW VIOLATED FEDERAL LAWS BY NOT PROPERLY INVESTIGATION WITHIN REQUIRED TIMEFRAME, AND I HAVE PROOF OF ALL THE RECEIPTS,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 719 transunion 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 heck 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 XXXX 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 homeless n cant provide to my XXXXXXXX XXXX old daughter
Product: Credit card

Re : case # XXXX Capital One agreed to a settlement amount on XXXX XXXX in the amount of {$850.00} This amount was paid in full to the recovery department on XX/XX/2015I spoke to XXXX XXXX on XXXX XXXX, 2015, and explained to her that Cap One is still showing a balance of {$120.00} on my credit reports for this account.The settlement as stated in the agreement was to report a zero balance after paying the {$850.00} I have asked that this be reported correctly today, as their inaccurate reporting is affecting my credit scores.
Product: Credit reporting or other personal consumer reports

Customer name XXXX XXXX : Account number : XXXX To whom it may concern, I recently received a dispute resolution from a fraud dispute that was filed on XXXX XXXX. The resolution decision indicated that I was held liable for the fraud charges that occurred on my initial account XXXX XXXX XXXX XXXX because the card was activated using my home cell which I completely disagree with. I contacted your financial institution because I was a victim of fraud and that my card had been compromised, as a result of me being a victim of fraud, where my card was compromised and intercepted. I reached out to your Representative of XXXX XXXX and spoke with an advocate named XXXX a billing/ dispute XXXX who I informed that the decision was based off of ignorance falsely claiming the details revolving around the decision. I believe your lack of interpretation caused the denial of the decision. First to inform you I have never had a home phone in over a decade, secondly I didnt receive my replacement card until XXXX where i activated my replacement card from my mobile cell, I also concluded concrete evidence and proof to support my allegations on XXXX XXXX I submitted an email to XXXX pertaining a FTC Fair Trade Commission Report reporting the fraud that happened on my accounts and a Police Report from XXXX XXXX XXXX XXXX the proof the reference number for the docs is XXXX. I was also informed by me XXXX that those documents that you received on XX/XX/year>, was not attached to the disputed fraud claim nor were they factored in for the Decision that was made on XXXX XXXX. As a consumer who understand his rights and a consumer law XXXX who understands the FCRA and Congressional Laws, Im very disappointed in your judgment call and let down as a consumer, this has tarnished my credibility, has lowered my credit score, have affected my ability to obtain credit and has taken a severe toll on me mentally, emotionally, financially! With what you have allowed to furnisher as a data Furnisher! 15 US C 1681 a ) b ) Duty as a Data Furnisher is to provide exceptional information and accurate information to the CRA knowingly furnishings inaccurate information goes against the FCRA and I have put you on noticed for violating the FCRA Laws and regulations with what you have allowed to be reporting. I have attached the documents with this email and have also attached proof of the phone record from me speaking with your financial institution today XX/XX/year>. I will also be contacting the Consumer Financial Protection Bureau as well as the Ohio XXXX Commission to engage in rectifying this matter! I have put you on notice. You have XXXX days from the time this email was received to rectify this issue and appeal that this decision and make the proper adjustments, failure to comply with my request will result in me filing a suit against your financial institution seeking compensational damages. Youve been warned, please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts still furnishing on my credit report as closed/charged off. Account needs to be removed and deleted from consumer report effectively immediately. 

I have a right to PRIVACY and a right to fair and equitable credit report. 

Under the definitions sections of the FCRA ( Fair Credit Reporting Act ) 15 usc 1681 a ( e ) defines the term " investigate consumer report '' ; which states the only way to verify information in a consumer report is to conduct personal interviews with neighbors, friends, or associates of the consumer. 

This definition also states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 

According to XXXX5 usc 1681 c- requirements relating to information contained in consumer reports.

( a ) information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please check with FCRA starts at 15 usc 1681 Truth in Lending starts at 15 usc 1601 FDCPA starts at 15 usc 1692 all of the above backs me up as a consumer to delete all negative items.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding several disputed accounts on my credit report. I have previously raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 
These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 
I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 
Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt that is not mine. They have failed to provide any documented proof of identity. They have also failed to show any payments made by me to XXXX XXXX. They have repeatedly reported this item on my credit without providing any documentation showing proof of the debt or proof of identity. This item is not mine and your company is in violation of the FCRA by reporting information that does not belong to me. Again I am requesting documentation that proves XXXX can confirm that they verified identy prior to reporting a debt and proof of payments. XXXX has not been able to provide this to myself or any other entity.