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

I looked at my report back on XX/XX/2024, 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. These accounts [ ( XXXX XXXX XXXX XXXX & [ XXXX XXXX XXXX XXXX, & XXXX XXXX  XXXX are not complete and accurate, Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts is not a Accurate.
Product: Credit reporting

I 've responded to Equifax by faxing my information they requested on XXXX XXXX, 2016 four different times to the fax number of XXXX and XXXX. I followed up on the matter and received no resolution. I spoke to a XXXX from the office of consumer affairs on XXXX/XXXX/16 and was rudely talked too and loud talked to the point, I could n't get a word in and got hung up on. I 've followed up again on XXXX/XXXX/16 and received the same rep and received the same level of service and got hung up on again. I totally feel discrimated and mistreated by the office of consumer affairs and its employees.
Product: Bank account or service

Went to Santander to inquire about IRA CD rates, met with a bank rep. She gave me a favorable rates and I wanted to move my IRA to santander CD IRA. The branch manager then instructed me to go to my other institution ( XXXX XXXX ) which was XXXX XXXX XXXX, and I took the check from XXXX XXXX and brought it to santander on the same day and made the deposit into their CD IRA. I then had XXXX more CD IRAs mature XXXX XXXX XXXX XXXX and XXXX XXXX XXXX these were at citizen bank. I went back to santander and sat with the bank rep. Went over the rates with me again found a good rate and again the bank rep instructed me to go to the other bank and bring the check to deposit into the new IRA CD. I did this once on XXXX XXXX same day as the maturity and withdrawal and the XXXX in XXXX XXXX again same day of the maturity and withdrawal. I was later then contacted by the back office IRA team of santander stating there was a problem, telling me that what i did was going to create a penalty because of a new IRS rule saying that i can do only XXXX rollover per year. I explained that this is what i was instructed to do by the bank rep, and that the withdrawal and deposits were made on the same day. They claimed this was my problem and my responsability to know the rules and that i would be penalized at the end of the year by the IRS for doing too many rollovers in a one year period. They are unwilling to help fix the situation and not claiming any responsability for the advice they gave me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Debt collection

The XXXX XXXX Jefferson Capital put on my credit a XXXX telecommunications debt from XXXX. They FRAUDENTLY put that I owed XXXX on my XXXX from XX/XX/XXXX. Thats fraud because XXXX went under to XXXX in XXXX!!!! I need this removed from my credit reports asap. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go AGAIN with Sunchroncy, XXXX, and XXXX XXXX!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in Dispute letters to XXXX, Transunion, XXXX. To have unauthorized inquiries removed. I received letters from the reporting agencies XXXX Stating that theyre unable to remove the inquiries that I never authorized. I am requesting that all inquiries be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Credit Card VS backed by Comenity Online bank. This card had 1 late payment 3years ago. I need them to remove the negative mark and stop sabotaging my score. I have written to them and they feel it's fair to keep this on my report. What can I do about this. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and filed all necessary paperwork with your company in XX/XX/2023 that was required per the law. I have since then had to file another ftc and affidavit because you refuse to abide by the law and continue to allow purchased identity theft items on my credit report, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. It also includes violation of my consumer rights. If these Identity theft accounts were mine, I didnt give these companies the permission to report or sell any information you have on record. So because my rights and privacy is being violated. I am demanding you follow the law and remove/block any information that I have identified as being a result of identity theft. Again not later than ( 4 ) business days after the receipt of such information I have provided to you.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B ( USC 1681A ) of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Also section 605B ( USC 1681c-2 ) ( a ) Clearly states : a consumer reporting agency shall block the reporting of 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 by such agency of ( 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. 
As you can see, it states from an alleged identity theft and it gives 4 items that must be summited to the credit agencies for identity theft. Not one of these items states a police report must be included. That within itself is in violation of my consumer rights. 
Therefore enclosed are the following : A copy of my Identity Theft Report from the FTC Report on record XX/XX/2023 and proof of my identity. 
Completed and Notarized Identity Theft Affidavit Copy of my Identification Proof of residence Again, Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
The accounts, collections and inquiries are listed on the next page and also listed in my FTC Report and Affidavit. This is not a request for an investigation. This is Identity Theft and by If by any reason you decide not to block or remove. I will be moving forward with a lawsuit for violating my FCRA and Comsumer Rights for each identity theft account listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCURATE INFORMATION ON CREDIT REPORT. DOES NOT BELONG TO ME. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$43000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$650.00}
Product: Student loan

My student loans are serviced by Mohela, which recently transitioned their payment portal from Mohela.com to Mohela.studentaid.gov. My loans were transitioned over a few week period in mid XXXX, 2024. 

I made a {$2000.00} payment before my loan was transitioned on XX/XX/XXXX, which was cashed by Mohela, but was not applied to my loan balance. I have contacted them multiple times by phone and by email but they are unable to resolve this discrepancy. I filed a complaint with the XXXX XXXX XXXX, and Mohela responded that they would only work directly with me. 

It has now been over a month and they still have not applied the payment and are charging me interest on an incorrect balance.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about American Express 's continued reporting of a fraudulent account on my credit report, despite my prior request to cease this activity. This account was opened without my consent as a result of a data breach, making me a victim of identity theft. Although the account was initially removed, American Express continues to report it, which is not only illegal but also a violation of my rights under the Fair Credit Reporting Act. I demand that American Express immediately stop reporting this account and that XXXX ensures its permanent removal from my credit report.
Product: Vehicle loan or lease

I stopped paying on this car because it isnt driveable any longer. Original car price was XXXX, and I signed for an interest rate of 22.9 %. However, my total balance to completely pay it off was somehow XXXX. That does not equal 22.9 %. They harass me constantly, and they have called me 8 times today, alone. They call multiple times per day, more than three times, which constitutes harassment. The company is Credit Acceptance Corporation.
Product: Bank account or service

Chase Bank closed down business checking account. Attempted numerous times to get in touch with someone to investigate the matter internally, but they kept giving the same scripted responses : " We have the right to close down account '' " There is nobody else you can speak to, the decision is final '' My personal favorite - " No mistake was made '', which I follow up with " Prove it '', and than they respond with some double talk, and back-pedaling to their previous scripted responses, Chase bank, and many other banks, treat you like a  XXXX   XXXX   XXXX  child. They tell you that magic unicorns exist, give  zero pr oof to back up those claims, and tell you they could not possibly be wrong. How do I know that someone in that deparment is not discriminating against me based on last name? How do I know my account was not chosen at random just to appease  U.S.  Regulators? How do I know that some employee did not take his meds that day, and completely screwed up my the review on my account?     Here is my theory. The risk/loss prevention/closure departments are closing down accounts to appease regualators, and/or their bosses. They choose certain criteria, and if you are unlucky enough to meet that criteria, they shut down account without any real investigation into who you are, or what you do. They get to send reports to their bosses, and regulators, and say " See, look at what a good job we are doing, shutting down all of these 'suspect/risky ' accounts '' ... " Now, please look the other way while we allow the real criminals to keep billions in our banks ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan with XXXX is showing a balance of {$58000.00}. My balance is actually {$0.00}. That needs to be updated asap.
Product: Debt collection

According to Consumer Law 15. USC 6801-6802, it is illegal to put anything on my consumer report without my permission.SUNRISE CREDIT SERVICES DIDN'T HAVE MY WRITTEN CONSENT TO REPORT ANY NEGATIVE ITEM ON MY REPORTS.THIS IS UNVERIFIABLE DATA. 
Our personal information isn't supposed to be shared by a third party. No financial institution can share my NON PUBLIC information with a third party entity. I am a victim of identity theft, and demand for immediate action that this Collection be removed at once from all three Credit Agencies.

According to FCRA Section 605 B, it is illegal to report information on me credit report without my permission. Thank You.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I filed a complaint with XXXX and CFPB after year of disputing the reporting of my credit acceptance account. 
This account reported as collections in XX/XX/2018, reported that way for 2 years at which point was reverted back to open a open and late status. TANKING MY CREDIT
Product: Debt collection

I lost my income in XXXX since then I don't have any resources to pay my debt, aside from my husband XXXX payment from His military service. I decided to enroll in the debt settlement program which I signed an agreement to the program so they can settle the debt on my behalf the confusion is, the debt collector company Midland Credit Management Inc. changed the account number from the original account number, so they can continue a negative report to the credit bureau and the account still open until now even though the debt settlement company already settled the account. I guess this debt collector used this wrong tactic to punish me for not paying my debt, which is not my fault of losing my income. please solve this matter. as of now I don't any have communication with this debt collector.
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX/XXXX/XXXX, I received a certified letter from Capitol One stating that the company had decided to forgive any remaining debt on a loan and release any interest it had to my home due to a bankruptcy filing. The problem is that I have NEVER had ANY type mortgage loan with Capitol One. Immediately I tried to contact the company to inform them of this fact but to absolutely no avail. When I personally researched further on the internet I found that Capitol One had bought a company, XXXX XXXX Bank, XXXX XXXX. That company ( XXXX XXXX Bank ) was listed in our our chapter XXXX bankruptcy filing XXXX, XXXX. I was granted a discharge from this debt by the XXXX Bankruptcy XXXX XXXX XXXX, some ten years BEFORE Capitol One acquired XXXX XXXX and 10 years AFTER that account was closed by the court 's granting of the discharge. Capitol One 's actions of supposedly forgiving this debt and issuing a XXXX is actually a de facto attempt to reestablish a debt that was legally discharged some 17 years prior. In addition, the account number nor the property address listed on the Capitol One letter that I received XXXX/XXXX/XXXX, were the ones that were actually listed on the formXXXX creditors holding secure claims that was submitted to the court when I filed XXXX, XXXX for bankruptcy protection. I have continued efforts in trying to contact Capitol One by certified XXXX postal mail and visits to a local branch to rectify this disturbing situation for my wife and myself but again to no avail. I find these actions by Capitol One to be both despicable and fraudulent. I would greatly welcome any help in correcting this matter. My wife and I have worked extremely hard in rebuilding our lives and credit history. It was with tremendous reluctance when we were forced to file for bankruptcy protection so long ago. I was under the belief the discharge granted by court in XXXX would have protected us from this type of fraudulent and disturbing corporate activity. I have all supporting documents and I welcome the opportunity to provide them to you in the resolution of this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$310.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Rep from XXXX XXXX XXXX XXXX XXXX ( XXXX  card ) called me and he suggested that I qualify to pay just {$35.00} per month for the next 3months or make a one time payment of {$100.00} to bring account to current nothing due. I made payment of {$100.00} since it was less than amount showing as due and he said because I was a long time customer that was a deal of sorts. Now a late 30 days shows up on my credit inaccurately!! Also they a falsely reporting me as having been late on this account. I hav never been late since I got this card back in XX/XX/2014. Please correct I need to buy my house next month!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX XXXXnd I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A company named " consolitated management '' based out of XXXX AZ keeps calling my place of work ( will call 10-15 times an hour ) from multiple numbers saying I owe XXXX on a debt from XXXX. I have checked my credit report and the company they claim I owe is on there. There is a specific number ( XXXX ) that calls alot and today " XXXX XXXX '' called. He was screaming, using profanity, called me a XXXX  and a XXXX, and that he was a " locator '' coming to process me with papers for " breach of fraud ''. I have talked to attorneys and they told me this company is bogus and that the multiple calls, threatening of processing, and the harassing and XXXX calls are against the law. The " corporate '' office number is XXXX. I told them that they need to send me a certified letter since I have never gotten anything about this before, and " XXXX XXXX '' at the corporate office told me that the paperwork is what the locator is trying to serve me with, that he can not send me anything, and that not all companies that collect your SSN will report to the credit bureaus. 

I just want their calls to end and quit harassing me.
Product: Credit card or prepaid card

I have received several past due notices from Citibank Sears Card Services about 2 charges from XXXX. The charges were unauthorized and the account had been paid off and closed in XX/XX/XXXX of 2016. I have called them twice and filed a fraud notice with them but whenever I call I am talking to someone from another country. I just received another email from them and it is getting very frustrating.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX