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

I am closing on a mortgage, my credit lenders are reporting to the credit bureaus but the credit bureau Equifax claims that I am not on file with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA XXXX XXXX XXXX - Account Number : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion immediately cease all credit reporting on my report XXXX XXXX XXXX of collections with XXXX XXXX XXXX. This is a violation of FCRA. 
XXXX XXXX XXXX XXXX ( 2 ) XXXX {$600.00} and {$460.00} XXXX XXXX XXXX XXXX has repeatedly attempted to collect the wrong amount of accounts prior with XXXX XXXXXXXX. I have no contract with XXXX. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts. 

Immediately cease reporting of false and inaccurate statements to credit bureaus Transunion, XXXX and XXXX by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent it letters asking the credit bureaus to remove this information and theyve failed to do so in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three companies bureaus XXXX, experian, and XXXX on numerous occasions regarding my personal credit report wanted to know why my credit score keeps dropping when in fact i never apply for credit and my bills are always paid on time.example signed up with experian credit monitoring service, however i'm at a XXXX credit score for 3 weeks, then i check on XX/XX/2018 and my score dropped 9 points over night in addition my score dropped 18 points with XXXX, and 10 points with XXXX, so my plight is if all my bills are being paid on time and i never applied for more credit and there is no negative information being reported then why is my score dropping this appears to be an personal vendetta against me for having lawsuits with all 3 credit reporting companies in the past.In addition they are not reporting that i have a mortgage which i signed on with wells fargo bank as well. They are also reporting accounts which have been resolved with XXXX  XXXX XXXX and ect. Please help me resolve these issues because it appears they have a personal vendetta against me for filing lawsuits against them for wrong doings.
Product: Credit reporting or other personal consumer reports

XXXX, XX/XX/21. My XXXX to XXXX according to XXXX XXXX of rescission. They have been none compliant and has not offered a remedy to resolve the matter.
Product: Debt collection

after receiving a threatening voicemail from the Stafford group claiming to have information on a debt which they didnt disclose the original creditor. they also claimed to have questions in regards to my property ( which i do not own ) insinuating they were looking at taking my home which i rent ... within minutes i return the call only to be sent to voicemail. i am sending debt verification forms via certified mail in the morning ( XX/XX/year> ). there is no debt they should be contacting me about the only active collections are those that i am in active contact with. they are not one
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Bank ) XX/XX/2024 I have found fraudulent inquiry on my credit report.
Product: Vehicle loan or lease

Account # XXXX with Toyota Financial Services, Account manager XXXX XXXX " fraud department '' My lease was up in XX/XX/XXXX on my Toyota XXXX XXXX and I did not turn in the car because we wanted to keep it and just keep on making payments. I think I missed about 1 to 2 payments BUT when I tried to bring the  account current I was told that the account was closed and referred to the Fraud department. I spoke to XXXX on that department through a Spanish translator BUT was very confused at the end of the process so I contacted my friend XXXX XXXX to call for me and get all the details of what's going on and to see what we could do in order to keep on making the payments so they don't take the car away because I was told that they had tow trucks looking for my car already. My friend XXXX XXXX called and spoke to the account manager XXXX who was extremely rude, she didn't NOT give her any information because she demanded to talk to me. XXXX XXXX is an authorized individual on this account because I was told by the Toyota representative that it was the only way she could get information and help us with clearing this mess up. XXXX also mentioned that she had e-mailed some documents but refused to send them to XXXX XXXX or give her any information that can help us clear this mess up.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an XXXX XXXX REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 XXXXXXXX Balance Owed : XXXX ; XXXX XXXX XXXXXXXX Balance Owed : XXXX ; XXXX XXXXXXXX Balance Owed : XXXX ; XXXX XXXX XXXXXXXX Balance Owed : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Capital One/Kohls and then their reporting on my Consumer Report - and with respect to FCRA/FDCPA. 

Complaints have been filed and with each CRA, for the incomplete - and then inaccurate reporting done to tradelines on my report. As per FCRA - they must be complete - and then accurate. 

My stance is from an tech/integration/reporting point of view - you, collect, store, manage then then send ( integration/file ) to a CRA - and, there are innate problems. 

Imagine if - your kid came home with a report card, and - there is no name, then there is no score, the semester is never identified - is it real? 

Understanding this - key attributes that anchor an account on a consumer report in a CRA - expect fields ( not text ) to reside on the tradeline for accurate reporting and, better - score calculations. The best tech teams in the world would NEVER use a free form comment/text field in an algorithm. Your reporting on mine - and as listed isn't complete and/accurate. 

XXXX. All Accounts in Question ( attached ) have a " ( CLOSED ) '' in their description XXXX. Account Numbers - are wiped out, blank - NULL XXXX. Available Credit - is displayed, populated - when - a closed account and regardless of the reason - is like - impossible XXXX. Debt to credit Ratio - applies to open accounts - i.e, how much of the credit extended are you using XXXX. Payment/Balance/Rating History is wiped out - blank - NULL XXXX. When Pay/BAL/Rat history is blank - there is no was to see the natural progression of the account XXXX XXXX ) and then where of when a DOFD and its amount occurred XXXX. Once Closed - there are no terms XXXX. Date of Last Activity - blank, impossible to tell when there was a payment or amount increase XXXX. DOFD/FACRA Date - your DATA anchors to this tradeline are NULL XXXX. DATE CLOSED - where is this value? XXXX nowhere in the PAY HISTORY as a CLS ), nor populated in this field. Is the account still open? 

XXXX. Creditor Classification - is set to UNKNOWN, I am sure your organization know what they are The Tradelines you are reporting, and this complaint is across ALL CRA 's - are INCOMPLETE and then INNACURATE, and based on METRO2 Standards of integration and reporting. As a DATA FURNISHER - please fix the issues as so noted, or DELETE them. 

Attachments are provided for your convenience, and from XXXX While they are not all - all of your tradelines look exactly, the same. This issue ( as you program to METRO2 industry standards, and then as mandated from each CRA ) is tied specifically to the consumer 's right for TRUE ACCURATE and COMPLETE reporting as per FCRA/FDCPA. 


Please fix your tradelines - or delete them all, and from each CRA.
Product: Credit card or prepaid card

On XXXXXXXX XXXX PENFED Credit Union seized and transferred {$280.00} from my checking account and applied it toward my PowerRewards Card with PENFED, leaving me with {$70.00} in my bank. After explaining the money they seized was child support payment and that I am currently unemployed ; they argued that due to a security of interest clause in my membership agreement from XXXX  ( which pertained to an credit amount of {$2900.00} ) apart of a separate agreement allowed this to enforce their action. They argued that they would not return the money, although they could see that it was indeed a money transfer authorized to me. They also stated the amount they seized did not cover the full debt amount as I initially already possessed less than {$1000.00} in my bank account.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I placed an order with a seller on XXXX and I used PayPal to check out. I ordered a mattress. I received the tracking number when the seller " shipped '' the mattress. It was supposed to have been delivered by XXXX. It kept being delayed. I contacted fedex and was told that all they could tell me was it was delayed. They could not provide me with more information because they stated XXXX not the person listed on the package nor was my address listed for the shipping address. I immediately contacted the seller and filed a case with PayPal. I have provided all proof to XXXX and they denied my claim. I don't know where the mattress was delivered but i was NOT DELIVERED TO ME. I HAD TO GO TO MY LOCAL MATTRESS FIRM AND PURCHASE A MATTRESS. THE SELLER PROVIDED PAYPAL WITH " PROOF OF DELIVERY '' BUT It didn't come to me, and {$540.00} is too much money to let go for a product I don't have. I'm out of over {$1100.00} for XXXX mattresses and I only have the one I went into the store to purchase. I paid through PayPal because they are supposed to protect against scams. 

Dispute Case ID XXXXXXXX XXXX XXXX XXXXXXXX The " delivery '' picture is NOT MY HOUSE. 


Here is a tracking number of something I ordered and it was delivered to me. This is how my door looks. The picture in the tracking number above looks nothing like my door. 

XXXX tracking number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm divorced and should n't be on a Discover credit card account that my ex-husband opened before we were married. He made me an authorized user, but took over the debt in our divorce ( this is in our divorce decree ). 

How can I remove this from my report? Thank you!
Product: Mortgage

Nationstar has acted in a fraudulent manner and refused to address an error they made XX/XX/2019. Nationstar made an error in my account with hazard insurance payments and refused to make the correct adjustments from XXXX XXXX. On XX/XX/2019 I made a normal mortgage payment of {$3300.00}. Nationstar changed my mortgage payment to {$3500.00} in XXXX without proper notification of a reason for the change. For some unexplained reason Nationstar unilaterally decided to designate my payment on XX/XX/2019 as " Unapplied Funds ''. Nationstar reported my payment as an overdue payment in error or intentionally and failed to credit my payment to my principle and interest account as a valid payment. After many unsuccessful attempts to have Nationstar address this matter and correct their error Nationstar still lists as unapplied funds in my account statement. The payment of my check is still listed as unapplied funds for some inexplicable reason and Nationstar refuses to reverse the error of my payment as delinquent and give me credit even though the firm has cashed my check. I believe that Nationstar has done this intentionally to hurt my credit and punish me for reporting this error to CPFB. Nationstar is a fraudulent mortgage processor and has damaged my credit so that I am not able to move my account to a reputable mortgage provider. I have provided documentation that verifies the issue and want Nationstar to credit the unapplied funds to my principle and interest account or send me the money immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for XXXX  to remove and permanently delete the following fraudulent accounts immediately because someone used my personal information to obtain these credit cards in my name without my consent : 1. Synchrony XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX I have attached a copy of FTC Report as well as Police Report to this correspondence and under FCRA, XXXX is required by law to block and remove these fraudulent accounts immediately. If not, legal actions will be taken against XXXX.
Product: Mortgage

To Whom It May Concern : We, XXXX XXXX XXXX and XXXX XXXX are in receipt of your XX/XX/XXXX, Notice of Intent To Foreclose. We are responding according to the instructions on page 7 that read Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. Please accept this letter as our notification that we dispute the validity of this debt. In XX/XX/XXXX, following a suspicious conversation with a Mr. Cooper representative, we contacted Mr. Cooper by email requesting a color copy of the original note and the assigned contract for the subject loan. Mr. Cooper sent a copy of the Note and DOT documents. We then contacted Mr. Cooper by mail in XX/XX/XXXX, requesting a color copy of the original Promissory Note for our property and any transfer documents that you have as proof that Mr. Cooper owns or legally represents the owner of the mortgage or mortgage note for our property at XXXX XXXX XXXX, XXXX XXXX, MD and we receive a copy of a copy instead of a color copy of the original documents as requested. In early XX/XX/XXXX, I attempted to refinance the mortgage with a reputable lender and take advantage of the extremely low fixed mortgage rates. During the application process, the potential lender explained to me that the information I provided in my application was incongruent with their findings. They further explained that Mr. Cooper has a {$0.00} lien on your property, essentially no mortgage. In response to their accusation, I provided them with our mortgage statement from Mr. Cooper to prove I was paying a mortgage to Mr. Cooper for said property. I was unable to proceed with the refinance and the feedback from this reputable lender reinforced our concerns from XXXX about Mr. Cooper having legal rights to our mortgage. 
Further, Mr. Cooper has not reported our timely mortgage payments since they allegedly acquired the mortgage. The credit bureaus also show us as having real-estate mortgage of {$0.00}. 
As stated in my XX/XX/XXXX letter, we have deposited the amount of the mortgage ( principal and interest ), taxes, and insurance into a savings account and monthly provided proof to Mr. Cooper of the monthly {$2500.00} deposit. We are gravely concerned about the authenticity of the documents that Mr. Cooper has provided, that Mr. Cooper is the legal representatives of the owner of our mortgage/mortgage note, and Mr. Cooper is legally authorized to continue collecting money for our mortgage.
Product: Student loan

I am adding some documents to my original complaint to prove that XXXX was lying to me. I did not go through the mail they sent me and after going through it I found a document that says " Provided we receive a signed copy of this Agreement from you ( the student borrower or cosigner ) by XXXX/XXXX/2015, XXXX agrees to place your Loan into in-school deferred status beginning XXXX/XXXX/2015, and ending XXXX/XXXX/2015. Monthly payment will not be required while the Loan is/are in deferred ( in-School Forbearance ) status. '' When I spoke to XXXX he ( very aggressively ) told me that my request for Forbearance was neither approved or denied yet this letter basically says I was approved for Forbearance and I just need to sign the document. Additionally the letter was mailed XXXX XXXX, 2015. I was just about to make a payment on this account to just show that I am not careless in paying my bills but now I 'm nervous that my payment would count against me in some way unless this is handled by CFPB. I tried to call AES today, Saturday, but they are closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/2019
Product: Credit reporting or other personal consumer reports

I received no notice nor call as instructed due to identity theft freeze placed by all bureaus. I proceeded to record call as representatives behavior was misogynistic and discriminatory against XXXX persons and contradicts federal law and legislation for XXXX persons. XXXX  XXXX postures as a credit bureaus to circumvent the law and regulations which they are NOT! A hard pull was made by XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX Experian. I had XXXX XX/XX/XXXX, removing intestinal growth and XXXX XXXX XXXX XXXX  ) to allow swallowing better. XXXX XXXX XXXX and acute XXXX was found XX/XX/XXXX at XXXX XXXX and another on rt side located XX/XX/XXXX. XXXX XXXX XXXX XXXX urgent care ). XX/XX/XXXX I had urgent care XXXX due to respiratory XXXX from XXXX. I'm on XXXX and have XXXX and XXXX. I applied for no credit for already existing accounts with XXXX XXXX, XXXX and recently found transactions on my XXXX account XXXX which caused the card to be closed, and replaced as account had XXXX. XXXX XXXXXXXX card is also Infrequently used. I have had to replace XXXX due to unknown transactions and even XXXX which is connected to my bank account had issues with applications and credit requests. I keep my credit frozen locked but have been a victim in ALL previous breaches and all my information is on dark web. XXXX and XXXX were supposed to provide premium services free for several years however they have NOT. I have the emails confirming promise and received a small prepaid virtual card payment but this is crazy and ridiculous for me to have to babysit corporations when the bureaus clearly state notify XXXX to verify identity. My account holders have failed to secure my accounts and obey the law. Please fine and counsel them and perhaps audit them to prevent further abuse of consumers.
Product: Credit card or prepaid card

I had 3 cards with Chase, one of them was a Chase Freedom Unlimited, which I had not used in over a year because I had other cards, which I 'd received afterwards, which had better benefits. I called them to find out what they recommend, to replace this card, and Chase recommended the Chase Freedom card so I asked the person to cancel the current Unlimited card and send the Freedom card. They did but before I had a chance to confirm I received it ( authorize it on the chase site ), they cancelled it, the Chase XXXX and Chase XXXX card for " too many inquiries on my credit report, in 2017 ''. They have not contacted me to tell me this, I called them when I tried to use my XXXX card for a {$3.00} purchase, on XXXX, and it was denied. Both " fraud '' people I 've spoken to agree that I have never missed a payment, in the over 20 years I 've had various Chase cards, nor been late, they just chose to do this because " i was a threat to the bank '' ( their words, not mine ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to remove this fraudulent account before to no avail even after i submitted documents and ask for proper proof of methods used in this investigation and now i have gotten the XXXX police as well as the FTC involved with there own Identity theft fraud report.
Product: Mortgage

I had a mortgage with Bank Of America, and owned my home for 23 years.I was never late just one day in 2013 i ask the bank about a refi to help lower my payment, They told me about there hemp program so we went threw the process and they lowered my payment and everything was all set they told me several times. for over a year or more i payed them and was again never late then after the 13 or 14th payment they refused taking anymore payment and fought with me and said i never payed them. I had all copys of the cashed checks to them and they put down on my credit i never payed. So then i hired a lawyer to help with this a to make a very long story short the judge denied me a trial and never gave me the time of day so they took my home and i cant appel it because iv spent so much money fighting this and the XXXX federal judge at te end said " check Mate '' what ever that means. This is mind blowing and unfair. I even ask our attorney general for help and XXXX XXXX and still no one will et back to me. Can someone please contact me and help with this. 
XXXX