23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me. They continue reporting this debt year after year knowing it is not mine and continue to make threads and damages my military record and my credit.
Product: Credit reporting

XX/XX/XXXX I learned of a collection being reported by XXXX XXXX XXXX. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX XXXX. XX/XX/XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After this investigation information about the account is being manipulated such as open dates etc., to extend reporting and cause damage. Also since that investigation it is reported as a new delinquency each month which further damages my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned in my XXXX auto lease in XX/XX/2017. All my monthly payments were made at the time I turned in the car, there was no balance due. Further, I had this XXXX Professionally detailed costing me {$220.00} prior to turning it in, as I do with all my leases, the car was spotless. The dealer gave no indication anything was owed on this car, because there was nothing owed and I have not received any paperwork or accounting from XXXX or the XXXX dealer suggesting otherwise. 
It should also be recognized that unfortunately some dealerships have a habit trying to charge unjustified fees at the end of leases and blackmail consumers by reporting this inaccurate information to the credit bureaus until the unjustified balance is paid. 
I am requesting photos all information from XXXX XXXX XXXX that would support this phantom fee of {$760.00}. 
What exactly is the fee for? 
Documents or photos that may support whatever XXXX claims this fee is for?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX and list of Inquiries XXXX 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 a 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 ) ( 1 ) 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

Certified Mail No. XXXX XXXX XXXX XXXX XXXX United States Postal service document to remove inquires that are inaccurately reporting and not 100 % verified thereby must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud. I have sent in disputes via mail to the bureaus and they have not responded in the manner they should. I am in fact submitting this dispute, no one is helping or acting on my behalf. I need this fraudulent information removed from my report immediately.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding a fraudulent account that has been opened using my identity without my consent. This is a clear case of unauthorized use, and I am demanding the immediate removal of this account from my credit report.
Product: Credit card

This is a follow up to dispute : XXXX Bank of America contacted me 3 times regarding the above mentioned CFPB dispute. They contacted me once by phone, once by email and a third time by phone. I was able to pickup the call on the third time and talk to an agent that mentioned to me that Bank Of America attempted to contact me ONCE in XXXX of 2015 to settle the debt associated with my credit card prior to submitting me to collections and charging off this account. 

Bank of America is notorious for deceptive practices such as this. It 's very easy for a Bank to utilize rules and laws to benefit themselves, charge off bad debt, transfer debt over to third parties for collection and access fees all under the pretense that they attempted to contact me ONCE.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several accounts and inquiries have been added to my credit file without my knowledge or consent. I am requesting that these accounts and inquiries be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$3000.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$510.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX account on or around XX/XX/XXXX. Since opening I made 100 % payments on time, including my {$7.00} balance that was left after they closed my account upon an " investigation '' that I was never made aware of. This happened twice. Once in XX/XX/XXXX, next in XX/XX/XXXX. Causing my credit score to plummet some 60+ points. ( along with a derogatory remark, which was also there fault ) I spoke with several people from XXXX  XXXX to # 1, express that I did not report a fraudulent account opening to Transunion and also, if that was reported, why wasn't I notified of it immediately. After already making negative remarks and closing my account, they then asked for me to send in proof of it being me. ( which I only did to be able to move forward with further options later, if this isn't settled ) So, I continued with the dispute process with Transuion. Detailing of what happened. A rep from Transuion verified that they also didn't see a statement from me and sent me my credit report, showing they still had me " in good standing. '' I reported that information back to XXXX XXXX. It wasn't until XX/XX/XXXX, while looking on my credit report that I saw that Transunion did indeed approve the false information that they had reported.
Product: Credit card or prepaid card

On my account XXXX, I redeemed {$89.00} in rewards in XXXX. I closed my card in XXXX. A full two statements has passed and I never received my {$89.00} redemption. I have called repeatedly and nobody has been able to help me. 

I've attached the last statement showing I redeemed {$89.00}.
Product: Mortgage

Our prior insurance company non-renewed our policy, so we had to pay for our homeowners insurance out of pocket. We requested reimbursement from Arvest Central Mortgage onXX/XX/XXXX, and againXX/XX/XXXX and never received a response.
We called in XXXX and again requested reimbursement from our escrow account. We were then told they needed to do an escrow analysis. We requested an escrow analysis during that phone call. We called and spoke with customer service today XX/XX/XXXX and they still have not completed an escrow analysis. We again requested the escrow analysis XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/2022 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I just turned XXXX about 2 weeks ago I went to apply for anew XXXX and was denied due to my credit the report stated I have loans and a Mortgage This is not true I live at home and I attend XXXX   and will be attend XXXX next year please help me clear this up my. Future depends on
Product: Checking or savings account

On XXXX XX/XX/XXXX, I accessed my online checking account ending in XXXX to see the bank statements for XXXX and XX/XX/XXXX. The other 10 months were there online and the website said there were only 10 statements for XXXX. I immediately called Truist Customer Service at XXXX ( XXXX ) XXXX at about XXXX and spoke with XXXX XXXX I explained my problem and she placed me on hold to check the for the statements. She returned and said that bank records are only available for 7 years. I told her that bank records are available for 10 years. She said she would research the issue and placed me on hold again with music playing. After 10 minutes, she did not return, so I hung up while the music was playing. 
No other response from XXXX. 
Please investigate.
Product: Checking or savings account

I use Juno, an online bank and for days the have been freezing all payments in and out their account, claiming : " The disruptions are due to issues with our banking services provider, XXXX XXXX  XXXX XXXX. '' I need to access my funds in the account and cant pay, or transfer them. This is especially weird as they simultaneously stopped paying any interest ( previoulsy it was XXXX  % ). But more importantly, i need access to my money.
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure 100 % accuracy. 
Please correct and update this accounts immediately. 

Company Name : XXXX XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

Amex refuse to issue promotional offer of XXXX delta skymiles after I met spending limit of XXXX dollars.They said I have open card in the past and closed or not used them but they can, t send me any policy in writing to support this decision.i will seek legal representation if this matter is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX  XXXX Bankruptcy account # XXXX These accounts have 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 a 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 ) ( 1 ) 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

Dear CFPB, I am writing to dispute the accuracy of the information on my credit report regarding a fraudulent account. XXXXXXXX XXXX Reported : XXXX XXXX, 2022 + {$110.00} Closed XXXX Reported XXXX XXXX XXXX, 2022 + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, 2022 + {$610.00} Closed OTHER LOANS XXXX XXXX XXXX is appearing on my credit report, but I have never opened an account with these bank. 

This error violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Electronic Fund Transfer Act ( EFTA ). The FCRA requires that credit reporting agencies and furnishers of credit information ensure the accuracy and integrity of credit reports. The FCBA requires creditors to promptly investigate and correct billing errors upon notification. The EFTA provides protections for consumers regarding electronic fund transfers. 

I am extremely concerned about this matter, as it is causing significant harm to my credit score and financial wellbeing. This is unacceptable, as it violates my rights under federal law and puts me at a significant disadvantage in obtaining credit on favorable terms. 

I have tried to resolve this issue with all of them to no avail, and I have also filed a police report regarding this fraudulent account. I have attached copies of the police report and any other relevant documentation to this complaint. 

I am requesting that you take immediate action to investigate this fraudulent account and work with the credit reporting agency to have it removed from my credit report as soon as possible, as required by the FCRA and CFPB regulations. This account is causing significant damage to my credit score and making it difficult for me to obtain credit at favorable rates. 

I am counting on your assistance in resolving this issue quickly and efficiently. As a consumer, I have the right to expect that my credit report is accurate and complete, and I expect the CFPB to vigorously enforce federal laws to protect consumers from such fraudulent activities. 

Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX ]
Product: Credit card or prepaid card

Had about XXXX  personal credit cards, 4 were Chase personal credit cards. Applied for the Chase Hyatt credit card on XX/XX/18. Without any warning, all my chase credit cards were shut down a few days after. This is immediately right after I paid the {$450.00} annual fee on my Chase Sapphire Reserve card ; Chase reps stated my refund would be eventually refunded. All of the spend on Chase CCs was organic spend. Called Chase, but got moved around from rep to rep. Finally, was able to submit an appeal for my shutdown ... will hear back in 7-10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX
Product: Mortgage

I started a process of refinancing an existing load with the company that has my mortgage, mainly because they promised a lower interest rate, after a lot of paperwork, they sent to do an appraisal ( twice ), they ask for more paperwork on pages that were no send in the first lot of paper work due to scanner malfunction, I resent all the pages of this paperwork, after a week seeing that nothing had happened, i sent an email asking for an update and was told that the loan has died due to lack of response on my part. 
First will like to point out that even if I did not sent the paper, a simple call telling me that they have not received this will be courteousSecond after all the time and effort that went into this and the amount of hour of work i had to miss to be at the appraisal, I deserve an answer as to why they kill the loan application unilaterally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my dispute letters to XXXX, XXXX, and Equifax showing proof and law from the FCRA, but they will not delete the inaccuracies of my credit files. Inaccuracies from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, Department of Education , XXXX XXXX XXXX, XXXX XXXX, and XXXX. What more do the credit reporting agencies want?
Product: Credit card

I have/had a CC account with Discover bank and due to my Financial Hardship in XXXX  I felt behind on this CC account, Apparently Discover Bank write-off this account and SOLD it together with all my personal and Federal information to another company aka XXXX XXXX XXXX. 

I'm trying to contact Discover Bank by phone to get more details about this account and they gave me random information and are hanging up on me
Product: Student loan

I have called MOHELA many times trying to get an update on my payments for public loan forgiveness. When my loan was transferred to them over a year ago, I had 98 payments. I have payments that under the temporary waiver count towards loan forgiveness and have not been updated or applied. My payments have almost a year that have not been updated on their systems. A few months is understandable, but over a year is unacceptable. I have enough payments if they count the payments that have not been counted to get my loans forgiven under the public service program. I have been working as a XXXX for 13 years. The lack of accountability on their part has cause me a lot of stress and is affecting my mental health. These payments should have been counted a long time ago. Calling them on the phone is a nightmare.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

please delete this auto loans now I fixed is several times but still in my report this is a violation because this accounts is not accurate reporting please see the listed account below and delete it now XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$18000.00} XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$5700.00}
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I am submitting this complaint on the behalf of myself. There is no 3rd party company disputing on my behalf. Please, do not send me an automated response! All documents will be included for this dispute. 

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following Experian accounts and I have the right to privacy, please be reminded, no consent is identity theft. please promptly delete the following accounts within 4 business days pursuant to 15USC 1681-c-2 to avoid legal proceedings. Thank you for your timely compliance! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2017 we tried to refinance our home with the student loan and 5/3rd home equity. We weren't able to because 5/3 reported that our home was in foreclosure. I tried several time to contact someone to help me. Final after being on hold for 3 hours and transferred to 15 different people. I finally got someone to talk to me. 5/3rd admitted my credit report was incorrect and sent me a letter. Then I started the refinance process again and was on hold with XXXX trying to prove what the letter said from 5/3rd bank was correct. I finally got the re-finance to got thru. I have a statement stating that I owe {$26000.00} and 5/3rd bank says the pay off balance is {$31000.00}. Once again i'm on hold with the bank for about 2.5 hours with no resolutions and no reason why.
Product: Student loan

My son received a {$8000.00} loan from NAVIENT in XX/XX/XXXX. It is XX/XX/XXXX. The loan balance amount is OVER {$8000.00}. We're paying {$180.00} a month and this loan amount has not went down in 8 years! I am so tired of paying this loan. Can someone PLEASE help  me! This company is robbing me!!!
Product: Credit reporting or other personal consumer reports

I am the victim of the XXXX XXXX breach that has compromised my social and caused several fraudulent accounts and inquires to be placed on my consumer report. These accounts need to be removed and blocked. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Kings Credit Service acct # XXXX, should have been paid by my XXXX XXXX XXXX XXXX I have had XXXX XXXX for over 10 years, same account number just now a different County. They never submitted charges to XXXX, and now it is in Collection.