23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

THIS REPORT IS REPORTING THE OPENING DATE IS INCORRECT, LAST REPORTING DATE IS INCORRECT, LAST DATE OF PAYMENT IS INCORRECT WHICH IS AFFECTING MY CORRECT SCORE. 
ALSO THEY HAVE LAST PAYMENTS THAT ARE REPORTING THAT NEEDS TO BE CORRECTED. 


Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$69.00} {$69.00} {$69.00} No. of Months ( terms ) : XXXX XXXX XXXX  High Credit : {$450.00} {$450.00} {$0.00} Credit Limit : {$600.00} {$600.00} {$600.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I am not liable for this debt with 01 XXXX XXXX and I do not have a contract with THE CBE GROUP INC-FORMER plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX XXXX XXXX : {$150.00}
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. Currently reporting is a collection company by the name of The Stark Collection Agency for what they are stating is a utilities account. I am disputing the validity of this collection and the reporting of it because any time I have moved I have always made sure that my utility bill was paid in full. In addition, I have not received a call, text, or email which has furthered my suspicion of this debt that made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Debt collection

In XX/XX/XXXX or XX/XX/XXXX I contacted XXXX my cell phone provider about a second line that I was being charged for that was no longer activated and had not been activated. And had not been activated for over 2 years. The rep put me on hold and spoke to a supervisor and put a credit of 200+ on my account for fees paid for that line. A couple weeks later I got a notice of a balance of 280+ dollars. My account had one line at that point and the bill should not have been more than 70 dollars. I called XX/XX/XXXX and was told the credit was reversed. I got irate and threatened to call an attorney I explained it is not legal to give a credit that was approved th en decide to change your mind and demanded the credit be re applied. After a long hold the credit was reapplied and I was told to pay XXXX. My bill cycle started on XX/XX/XXXX I left XXXX due to thi s type of under handed nonsense on XX/XX/XXXX. So I should have been billed for 11 days of service. XX/XX/XXXX I spoke to 2 reps at XXXX XXXX in customer service named XXXX who was able to verify that he sees where the credit was issued but could not adjust it because the account was no longer active. Active or not XXXX is trying to bill me for 85 to 95 dollars that I don't owe them and I will not pay until it is corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : Dear, TRANUNION, XXXX, XXXX, my name is XXXX XXXX. I am writing to delete the following information from my life. I am a victim of ID theft. Im in the process of buying a house for me and my children and this is holding me back.The Fair Credit Reporting Act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy. Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You have violated my right to privacy which is a direct violation of the FCRA and the Gramm Leach Biley act. I did not consent or authorize for you, or the people listed in the report to use or share my non public information. Please be clear that no consent or authorization is IDENTITY THEFT which I demand to Cease and Desist! Pursuant to 15 usc 1681a ( 2 ) congress makes it clear that a consumer report does not contain any transactions or experiences. In result, I am demanding for the following transactions and or experience to be updated in accordance Pursuant to 15 usc 1681c-2 ( a ) you have 4 days from the date of this notice to comply with my demans as set fourth in the context above. This will be my first and final attempt to resolve this issue Sincerely, XXXX XXXX I noticed this problem on XX/XX/XXXX Accounts : Account name : XXXX XXXXXXXX Account number:XXXX  Date account was opened : XX/XX/XXXX Account balance : {$430.00} Account name : XXXX XXXXXXXX Account number:XXXX Date account was opened : XX/XX/XXXX Account balance : {$470.00} Inquiries : Inquiry name:XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Inquiry name : XXXX Date opened : XX/XX/XXXX Inquiry name XXXX XXXX Date opened : XX/XX/XXXX Inquiry name XXXX XXXX Date opened : XXXX XXXX Inquiry name : XXXX XXXX XXXX 

Date opened : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX. 

Date opened : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I leased a car from XXXX XXXX XXXX for 4 years, account XXXX. To pay the lease, I used XXXXXXXX XXXX XXXXXXXX XXXX XXXX setup with their auto-pay service for a total of XXXX payments. During the years of payoff, I received countless generic mailings offering me XXXX sponsored trade-ins and XXXX upgrades. The first personally directed contact I received from XXXX was XXXX of XXXX. At that time a XXXX representative called to tell me that my lease was 90 days past due and that I needed to purchase the car or return it. I quickly found financing and purchased the car. 

When I asked how my account could have gone 90 days past due without anyone from XXXX contacting me, I was told that electronic communications had been sent to me. Further research showed that because I had been paying via XXXX XXXX XXXX, the buyout and past due notices had been sent to a XXXX email address rather than to me. XXXX informed me that the email address XXXX had been using did not forward to me. In other words, I had not received any notification of end of lease, terms of the lease buyout, notice of my past due account, or notice of the negative credit reporting. I asked why XXXX hadn't sent a postal letter. I was told that XXXX XXXX XXXX wouldn't have known my home address, only my electronic information. The agent told me that the dealer is who had been postal mailing me marketing materials all these years. 

XXXX has already removed these late payments from my credit report. I have repeatedly submitted similar disputes with Equifax and with XXXX, but those disputes have not been successful
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a complaint with the CFPB already about Transunion. The reference number for the original complaint is : XXXX I received another stall letter from Transunion today in the mail and it is attached to this message. Transunion is stalling and not investigating my complaints.
Product: Credit reporting or other personal consumer reports

Request for Immediate Removal of Collection Account I am writing to formally request the removal of a collection account listed under my name. The account in question is as follows : Creditor Name : XXXX XXXXXXXX Account NumberXXXX Amount : {$850.00} Creditor Name : XXXX  Account Number : XXXX Amount : {$4600.00} This account is either inaccurate, unverifiable, or was reported in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have not received proper validation of the debt from the collection agency, and as per federal law, the item must be removed if it can not be fully verified within a reasonable timeframe. 

This is my third attempt to get these fraudulent accounts removed that are inaccurately reporting on my credit report, I am now escalating my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities for further action. 

Please provide written confirmation of your actions and the steps taken to correct this matter. I expect a response no later than XX/XX/year>. Because this is the third time contacting you on this matter. You have disregarded my disputes both times with no changes to my report. Causing distress to me and my family. If this continues I will be forced to pursue legal action. 

Failure to comply with this request will result in me exercising my full rights under the FCRA, including legal action if necessary. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

XX/XX/XXXX I spoke to senior rep and asked about three letters I recieved XX/XX/XXXX. NO AVAIL See attatched letters. XX/XX/XXXX. {$120.00}. transaction date XX/XX/XXXX says THE CREDIITS WE DEPOSITED AT THE BEGINNING OF THE INVESTIGATION * HAVE BEEN REVERSED. XX/XX/XXXX, {$210.00}. transaction date XX/XX/XXXX says same. Both of these were returned items Merchants credited IMMEADTELY before statement XX/XX/XXXX closing date. There NEVER WERE ANY USAA CREDITS none were needed. Both these letters are missing claim date and note the top wording they are not called CREDIT CARD FRAUD CLAIM either. XX/XX/XXXX letter. 
CREDIT CARD FRAUD CLAIM for {$470.00} GIVES CLAIM DATE XX/XX/XXXX. I CONFIRMED I REPORTED XX/XX/XXXX CHARGES OF {$470.00} FRAUD. There are NO PERMANET USAA CREDITS AS THIS LETTER SAYS AND IT IS FRAUD. NO CREDITS FROM USAA TO COVER FRAUDS. USAA CLAIMS NO FRAUD REPORTED. Why thousands of credit reversals IF NO FRAUD REPORTED? Credit Reversals begin XX/XX/XXXX. I demand {$100.00}, XXXX check mailed to me to cover my financial loss + interest of being held liable for fraud since XX/XX/XXXX. USAA DESTROYED MY CREDIT. I WILL NEED THIS MONEY TO REBUILT WHAT THEY DESTROYED. I USED TO HAVE EXCELLENT CREDIT SCORE. My health has also been effected by USAA ATTITUDE.
Product: Student loan

3 years ago my loans were in default, I paid this shady company XXXX XXXX XXXX who said they were an arm of XXXX, I paid them {$600.00} for " filing fees '' then they submitted a payment plan revision to Navient, I think they skewed my family size and my earnings so that my REPAYE plan was like {$21.00} a month. Well two years went by and I figured I could re certify with Navient via XXXX XXXX   XXXX,, you re certify by linking you 1040 IRS form to them and telling your family size, In my case I have a family of dependents my kids ( 3 ) and I am single Head of Household with I make XXXX, I pay mortgage, insurance, car payment, utilities, food, clothes, my youngest child 's tuition {$950.00}, homeowners insurance, etc my payment was {$180.00} a month to navient NOW I re certify and and send them and suddenly I am at {$420.00} a month! I CANT AFFORD THIS. they say its discretionary income that is unfair! I called and spoke to an agent XXXX and she told me we dont take into daily living expenses, I said what about a consolidation? she said yes you can and payment would be {$360.00} but extend the terms for 25 years and at the end I would pay {$95000.00} on XXXX of loans! that is a LOAN SHARK.So then I said what if i dont pay it she said we would keep your potential federal loan return, and we would report on your 3 credit bureaus your default and it could lower your credit by 50 points! I am appalled at the scare tactics that they are using, I said how is this possible you DONT take into consideration your living expenses?? I have no choices now I work as much as possible already I live quite lean for having 3 children to support. This is UNACCEPTABLE and we are stuck the fed govt sets the rate of interest on these loans and the repayment plans are a joke. Navient is NOT the Govt or an entity they are a private party managing govt loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. US DEPT ED XXXX {$730.00} US DEPT ED XXXX {$6000.00} US DEPT ED XXXX {$8100.00} US DEPT ED XXXX {$4900.00} US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$5200.00} US DEPT ED XXXX {$3900.00} Inquiries : XXXX  Date of Inquiry XX/XX/XXXX XXXX Premier Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Following my divorce in 2014 I had to rely more on my credit card purchases. Over the past five years I've accumulated some sizable credit card debt. Prior to my divorce I never carried a balance on any of the XXXX credit cards that I possess so managing credit card debt was a new challenge for me. With that said, I am very concerned about the amount of fees/interest that American Express has been applying to my balances. I would voluntarily allow any federal regulator to review my entire file with American Express. I'm confident that there is an enormous amount of egregious violations with my credit card statements with American Express.
Product: Credit reporting or other personal consumer reports

Capital One is reporting an account I had with this company as a charge-off with all three credit reporting agencies when I called Capital One to ask them to update my account status to paid in full and close they told me the account was charged off, I then proceeded to ask them to provide me with a XXXX  since the account was charged off they said to me that they would not issue a XXXX.
Product: Credit card or prepaid card

Capital One has taken out {$300.00}, each month, for XXXX ( XXXX ) months, from MY credit union ( XXXXXXXX XXXX XXXX XXXX  ) WITHOUT my permission, and applied those amounts, by electronic transfer, to my daughter 's Capital One car loan in South Carolina ( she has a different name and separate account ). I have called Capital One XXXX ( XXXX ) times with no representative knowing ANYTHING. They didn't know where it went. I then contacted my credit union and they were able to figure out where it went in less than an hour. Below are the dates and amounts : XX/XX/2022 - {$300.00} XX/XX/2022 - {$540.00} XX/XX/2022 - {$300.00} XX/XX/2022 - {$300.00} XX/XX/2022 - {$300.00} Total - {$1700.00} I have contacted them, again, and requested they send me a check and to also let the payments stand on my daughter 's account. I don't know how Capital One was able to do this. Any help will be greatly appreciated. To date, I have heard nothing from Capital One. 
XX/XX/2022
Product: Mortgage

My mortgage on my home was paid off on XX/XX/20. XXXX sent a faulty Discharge of Mortgage to the County Clerk, and so it was rejected. Since XX/XX/20 I have been asking XXXX to provide a corrected Discharge of Mortgage, but they seem to be unable to accomplish this, and they do not allow me to speak to the parties involved. 

This is very serious, because I have been approved with another lender to refinance the house ... but I can not close, due to this old mortgage, which is paid off, but still showing on record. Meanwhile, I am losing my loan approval with the new lender, I will have to pay for a new appraisal, the rates are rising ... so this Shellpoint delay is costing me a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

Chase XXXX XXXX has reversed several alleged fraudulent and/or unauthorized purchases to the primary account holder that were made by me, as an authorized user and very known to the primary account holder, without any investigation whatsoever, which has locked me out of many of my accounts including my XXXX account. The primary holder decided to make these fraudulent disputes after I had moved out of the residence without contacting me. This has caused a very dangerous situation, including reversal of FIVE ( 5 ) car payments that I had made, causing my car loan to become over 120 days past due, insurance payments and additional bills that I had paid, as authorized user, while the primary holder was well aware of EVERY SINGLE TRANSACTION I HAD MADE AND HAS MADE NO ATTEMPT TO CONTACT ME PRIOR TO REPORTING THESE CLAIMS. THE PRIMARY USER HIMSELF HAS COMMITTED FRAUD!!! 
Chase had issued two credit cards that were requested by the primary holder for me to use as authorized card holder, cards ending in XXXX and XXXX, that were personally requested by the primary cardholder and given to me by the primary card holder for use as an authorized user to make purchases, with my own cards that included my name, that the primary account holder acknowledged and personally handed to me at the residence where we lived together. I have paid several of my bills that are very known to the primary holder and I have also paid the primary holder thousands of dollars towards said bills. MONTHS later, I am finding out that most of the charges that I made ( ALL THE WAY BACK TO XXXX HERE WE ARE IN XXXX ) were REVERSED AND THE PRIMARY HOLDER HAS RECEIVED SEVERAL REFUNDS!? NONE OF MY CHARGES WERE FRAUD OR UNAUTHORIZED!!! This is a very dangerous situation causing me to repay several of my merchants that I was previously authorized to pay bills to by the primary cardholder. Chase will not speak to me since the primary holder has removed me from the account. Chase should not be issuing authorized user cards and then allowing primary holders to claim at least NINE ( 9 ) claims of fraud/ unauthorized use without any investigation. Without some proof of " unauthorized use '' ( which is impossible if I was an authorized user and was permitted to use the cards ) I should not be subject to repay my merchants because of Fraud/ Unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. This is bad faith to consumers. HOW do my charges, as authorized user, get reversed MONTHS LATER!? MY CHARGES ARE NOT FRAUD!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The information described in the report does not belong to me and is inaccurate. 

The credit bureaus failed to comply with the 30 day statue of limitations. 

Please remove all inaccurate and wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for CFPB employees to assist in getting to the bottom of this wrong information that could lead to the stealing of my loan3 dated XXXX from XXXX  XXXX  and my property XXXX XXXX XXXX XXXX, mi XXXX. Under file number of XXXX XXXX dated XX/XX/XXXX. That there was some kind of business that hit my credit from loan depot ( not me ) and I believe it was scam XXXX XXXX XXXX came and ask me to move out in XX/XX/XXXX and possibly using my name and this action came up XX/XX/XXXX on my credit report. 

Shows an written authorization on XX/XX/XXXX taken place under XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ca XXXX XXXX XXXX. 

Please look into this because when I brought this up to XXXX XXXX attorney XXXX XXXX XXXX that this was his client using my name he did not deny it and just said he had nothing to do with that.
Product: Credit reporting or other personal consumer reports

tHIS IS MY FOLLOW UP COMPLAINT THAT I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate after modifications. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the reporting of the following accounts are still not accurate. XXXX  Loan XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX  of XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 also states a consumer reporting 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 seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX and TransUnion Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. XXXX XXXX XXXXBalance Owed : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested via telephone I have requested via letter I have requested via the cfpb portal the following THE NAME OF THE CREDITOR WHO REPORTED ON MY PERSONAL CREDIT REPORT IN 2019 and due diligence in the reported fraud address on my personal credit in my name of XXXX XXXX XXXX by unknown entity of XXXX XXXX XXXX XXXX Virginia to the the CFPB FTC AND USDEPT OF JUSTICE and XXXX  and Transunion and XXXX. I HAVE CONTINUED TO REQUEST THE NAME OF THE CREDITOR ... AND THE ADDRESS AND THEIR PHONE NUMBER ... WHO REPORTED THIS ADDRESS..AS I AM ENTITLED TO REQUEST UNDER THE LAWS OF THE FCRA ACT and others. XXXX   TRANSUNION XXXX  FAX ME THE NAME OF THIS CREDITOR IMMEDIATELY. 
so my civil rights do not continue to be denied. My fax number to fax this info to is only XXXX