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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$44000.00} ; XXXX XXXXXXXX Balance Owed : {$44000.00}.
Product: Credit card or prepaid card

I used my debit card to purchase prescription lenses for glasses that i already owned. The prescription was filled incorrectly, so i retuned the glasses with the lenses to be corrected. Then the store declared bankruptcy. I went to the store to see the situation, and discovered the optical section of the store was gone. I spoke with a manager and the gave me a phone number and email address that I could reach out to. I did that, but never recieved a response. So now I don't have the glasses i previously pirchased, and obviously don't have the lenses that I paid for. I then reached out the the general store for guidence and they told me to dispute with the bank I was dealing with. I did that, I submitted all the papers they asked for via email, and then regular mail. Today I recieved a letter stating they closed the case because I am responsible for the charge, even though I never recieved my item. They provided me with a copy of the purchase receipt. I never said i didnt make the pruchase, I said i never received the item. 
XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX, IN XX/XX/year>
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Product: Debt collection

I had an Auto loan with Mullen finance co. car got repossessed around XXXX/2014. which i completely understand should be reported accurately, however just recently I reviewed my credit report and now theres 2 accounts being reported under Mullen which is inaccurate. should only be 1 acct. I disputed this several times with credit reporting agencies but have had not luck. Please help correct this. thank you in advance.
Product: Credit reporting or other personal consumer reports

False or deceptive portrayals You violated 15 U.S. Code 1681s2 ( 3 ) of the FCRA. I protested these inaccuracies more than 35 days ago, but you have yet to mark them as disputed. You lead me to lose out on opportunities by incorrectly reporting this item and failing to indicate that it was disputed.

The following elements should be removed from my consumer report 1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. " 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That is not initiated by the consumer '' XXXX Account XXXX : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

4. FDCPA section 807 violation misleading false reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 As evidenced, you are required to provide notification within 30 days, not one day later. 
As a consumer, the accounts listed in this letter must be deleted immediately, or I will file a claim for monetary damages in small claims court in my city and state under 15 USC 1681n civil liability because my rights have been infringed. In addition, we have already sent this letter to the Complaint portals for the Consumer Financial Protection Bureau, the State Attorney General 's Office, XXXX XXXX XXXX XXXX  and the Federal Trade Commission. 
Sincerely, XXXX XXXX
Product: Mortgage

I requested to have the PMI removed because I believed the value of the home carried sufficient equity to have the PMI removed. I started the process on XX/XX/year>2024. I sent the fee for the evaluation, I signed the agreement and uploaded it with the servicer. It has been 5 months and every time I reach out for a status they tell me to wait another 30 days. They said the process should take 30-60 days. it's been over 150 days. They make money by charging me PMI and I am assuming they are delaying to keep charging me and make a profit.
Product: Vehicle loan or lease

I had an original contract with Pelican finance in 2016 when I financed a vehicle. I've made about 2 years worth of payments on time, but have no record of those payments reflecting towards the balanced that was transferred over to Westlake when they supposedly bought out my contract. I never signed any agreements with Westlake for this vehicle and they are not able to show me payments I've made when I was under Pelican. Pelican never made me aware of their company closing or selling my account to another finance company. 

Please help me get this rectified or have the account removed from my credit report. I know I don't owe the amount they are claiming I owed, and I've already paid over {$14000.00} alone within the first 3 years of financing the car, so they are being snakes and not caring about figuring out the true amount owed including my initial interest rate. 

Please help me get my life back on track because this company is taking advantage of the situation. 

Thank you.
Product: Credit reporting or other personal consumer reports

" I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report about identity theft because I am victim of identity theft. So this happened with me first time and I do not know what to do actually. I just want to ask for your support and that you can investigate this situation and I hope you will remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX is reporting on a debt I do not owe. I called and paid this debt as soon as I found out about it by pulling my credit. XXXX XXXX XXXX XXXX XXXX did not send me any notifications or my 30 day right to dispute letter. XXXX  XXXX XXXX XXXX XXXX agreed that by paying off this debt they would remove the account off of my credit file, due to being in violation of my 30 day right to dispute, and they haven't removed it.
Product: Credit card or prepaid card

XX/XX/XXXX RE : Bad faith failure to provide XXXX credit card insurance coverage on claim XXXX XXXXChase and their administrator,  XXXX XXXX XXXX, have continued to delay providing clearly required and repeatedly admitted insurance coverage for damage to a car rented using our XXXX/Chase credit card. Despite our repeatedly providing the same information to XXXX/Chase through their claims administrator over the last 6 weeks they have failed to respond. This delay now imminently threatens our credit rating. 

The car we rented from XXXX XXXXl was scraped on XX/XX/XXXX. We notified XXXX on XX/XX/XXXX by phone. On XX/XX/XXXX after receiving the repair information from XXXX, we sent XXXX  the requested voluminous information to XXXX/Chases claims administrator XXXX XXXX XXXX, which we assembled, responding completely to all of XXXX/Chases inquiries. 

Since that time XXXXChase, through their administrator XXXX XXXX XXXX, has three times responded to us, asking the same questions they initially asked, each of which was completely answered in the materials we initially provided to XXXX. XXXX investigators failed to look beyond the first page of scanned documents. We did, however, respond to each new inquiry completely and promptly, providing again the repeatedly requested information. 

XXXX XXXX XXXX XXXX has now given us until XX/XX/XXXX, to make payment or they will refer the matter for collection. This is entirely XXXX fault and their delay is wholly without justification. 

We have talked to XXXX people, who say XXXX/Chase does this all the time : delaying, and then trying to save money by further negotiating down what they owe, even though there is no question what is owed. For instance, XXXX/Chase haas now submitted a proposal that does not cover the interest XXXX has added for all the delay, and that requires a release, even through they are not entitled to a release from XXXX. 

Thank you for your attention. 


XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX. XXXX mobiles
Product: Credit reporting

In XX/XX/XXXX I noticed 2 fraudulent inquiries on my credit report from XXXX and XXXX. I sent a certified letter to Equifax to have them removed. Equifax received that letter on XX/XX/XXXX, see attached the confirmation from Post office. I was told that they could not remove the inquiry and I should submit a dispute online. I disputed as they instructed me but still, the inquiries were not removed ( the 30 days ' deadline passed but I did n't receive any confirmation from Equifax. The dispute XXXX was submitted on XX/XX/XXXX. It shows PENDING XX/XX/XXXX ( Estimated ) ). 
I contacted XXXX and they confirmed that the inquiry was fraudulent and told me that they informed Equifax to remove it. Equifax still refuses to remove those fraudulent inquiries even knowing that XXXX has informed them regarding this matter. 
On XX/XX/XXXX I pulled my report and noticed another surprise. My good standing account from XXXX opened XX/XX/XXXX limit for XXXX $ ( I am authorized user ) disappeared from my credit report. I contacted Equifax customer service and the customer service representative lied to me saying this account never reported on Equifax which actually did till XXXX. I contacted the another representative and was told to contact the creditor to ask them report one more time. 
I did what I was instructed and creditor told me that they were still reporting and there were no issues or changes and everything was fine with XXXX and XXXX and the error was related only to Equifax. The same day I noticed that I was not able to access my Equifax account and I called Equifax one more time. I spoke with a supervisor and he suggested me that it could be related to my credit file split issue and I should contact fraud department. 
Today I called Equifax and found out that they refused to help me with restoring my account and investigating what happened to my report and my disappeared account from XXXX, the customer service representative also informed me that there were some issues accessing to my online credit report that was why I was not able to access myself. 
Then I contacted the Equifax Consumer affairs officer XXXX. She told me that she did n't understand what did mean my Equifax credit report split and there were no accounts reported from XXXX on my report. I told her that I have a confirmation number and actual reports from XX/XX/XXXX, and from XXXX XX/XX/XXXX showing the account on my report. She was surprised and asked me for the confirmation number which I provided and then she just refused to investigate and help me. 
I am attaching my ID, SSN and current bill, my credit report from XXXX dated XX/XX/XXXX, confirmation from USPS, a summary of my disputes with Equifax, my Equifax credit file dated XX/XX/XXXX.
Product: Vehicle loan or lease

I applied for an auto loan and was told that I my credit would only be run with one lender. I specifically requested that it only be run once because I didn't want to incur multiple hits to my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report dated XX/XX/XXXX, XXXX shows I'm late XXXX, XXXX, XX/XX/XXXX. This report also shows I'm was late XX/XX/XXXX. 

Experian Report dated XX/XX/XXXX, now shows I was on time all of XXXX. They completed deleted my late payments. And this report states I was on time XX/XX/XXXX. 

Why does this company keep changing my past due dates? 

More recently, after my dispute with Experian dated XX/XX/XXXX, they changed the date this account was first reported, from XX/XX/XXXX to XX/XX/XXXX. Again, why does this company keep updated and changing the dates on my report? 

Furthermore, not XXXX nor Experian have supplied me with the information used to verify and validate my profile the way it is being reported to the credit bureaus. In addition XXXX states they no longer are in possession of this loan. If they are no longer in possession of it what do they keep incorrectly updated my file? 

Lastly, this account and case was dismissed by a Florida judge because after 11 months they refused to submit any documentation that substantiates their claim that I was in breech of a contract. 

This matter has been escalated to Florida Attorney General XXXX XXXX XXXX Consumer Protection Division and I'm actively interviewing attorneys to proceed with litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened a JCPENNY Credit card with synchrony bank ending in XXXX. I am in the process of disputing this account from my credit reports opened in my name in XXXX and XXXX. The XXXX account shows it was closed and the XXXX account shows it is still active and open. I have been out of the country for over 6 years and never shop at JCpennys. Their fraud dept sent me a letter and I am very concerned because this is ruining my credit & the balance is very high. Please help me remove this from my credit history. The credit bureaus advised me to file a fraud complaint with the FTC regarding any fraudulent accounts opened in my name. The second account is XXXXXXXX XXXX  and XXXX which I never opened with high balances that were put into collections.
Product: Debt collection

Bank Of America sued me to the court for credit card debt and warned me by phone and email plus threatening me by public my personal informations to all creditors, banks, insurance companies, consumer groups, credit bureaus and even my employer. Today I got the new threatening letter from the court I am shaking. My mental, emotional and physical health XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I cosigned for a private student loan in 2009 for my sister. The loan was originally XXXX. It has since almost tripled in interest. My sister has graduated and is working as a XXXX to pay her bills. I reached out to XXXX XXXX ( now Navient ) on several occasions to be released from the loan. I was told I had to make 12 consecutive on time payments and I could be released, but I could n't make those payments in advance. So I have been having a hard time trying to maintain my sister 's loan payments and mine ( I currently have federal student loans from a different service provider ). They would not allow my sister to make income based payments, instead they wanted to use my income. I do n't understand that logic since I am not the primary person on the loan. Needless to say, we are now 3 payments behind with no relief in sight and it is negatively impacting my credit score.
Product: Debt collection

I received a settlement offer from Navy Federal to pay off half of my {$12000.00} credit card debt. The settlement said If I paid half, my debt will be considered paid in full. I paid {$6500.00} to Navy Federal on X/X/2017 and since then I have not received any more communication from Navy Federal stating my debt has been paid in full.
The balance still shows up on my account when I log in with a 24 days past due collection sign for minimum payment of {$30.00}.
I have attempted several times to reach out to Navy Federal but no one seems to know what 's happening.
I am hoping this was n't a new debt collection tactics and that my settlement contract offer is genuine.
Product: Student loan

I Struggled for so long with my student loans. It was and still is an absolute nightmare when it came to the repayment. Trying to contact them to have them explain things or figure out a plan was nearly impossible up until I missed a payment or was late with one. Then they would call me to harass not understanding I was out of work. I had to ask for help from my mom that would then put her Income tax return money to help pay and they of course messed that up by not allocating the money the way I requested and they even charged me 2 times a month. Needless to say that they had me so utterly confused and had no idea of how to resolve my concerns because I felt something was very odd in the ay they ran things.They urged me into an option of forbearance not mentioning that the interest would continue accumulating. 
I even recently had come into money from my brother that was for my XXXX but I decided to try and get this nightmare off my back by trying to settle out of this and made a payment of {$6000.00} towards the loan, yet they would not take my offer and said I had to pay off the full amount. Now that I made the payment I CANT GET THEM ON THE PHONE!!!! It always seems to disconnect! I am so worried that they are not allocating the money correctly and not working with me in bringing down interest! 
Pretty much all the charges I have heard on the news are very SPOT ON, I kept stating that I felt I was paying that Principle balance over a XXXX times over. Things seemed so very odd.
Product: Mortgage

I am attempting to remove the private mortgage insurance ( PMI ) from my mortgage based on the current value of the property. I received a letter from NewRez with instructions for canceling the PMI for my account that stated that I can request and pay for a broker price opinion ( BPO ) to establish whether the current value of the property exceeds the loan to value threshold for early PMI cancellation. 

I mailed a written request for PMI cancellation on or around XX/XX/2019 along with payment for the BPO of {$150.00} ; the check was drawn from the payment account on XX/XX/2019. I have received no followup communication from NewRez regarding the status of the PMI cancellation request. I sent a message requesting the status of the PMI via the online communication portal on the NewRez website on XX/XX/2019 and have not received a response.
Product: Student loan

Y years ago I was contacted by nelnet my lender and I was told that I I was approved for totally XXXX   XXXX XXXX and I I started The prossess now Im still in the process and 18 months ago they dropped me off forbearance And said I was late 90 days and I.got right on it and they removed it and And this year in XXXX they did something saying that I was 90 days late but it shows the three months before XXXX, XXXX and XXXX were on time and in XXXX they dropped me off forbearance again and they wont remove it and the worst part is they are the ones doing my XXXX and they know theyve been working on this the whole time? Its bull they keep sending me letters saying they need me to send them this agin and then they have to have it hung Ive sent 3 times and it twas approved 2yrs ago
Product: Credit reporting, credit repair services, or other personal consumer reports

TryingtoremovedisputeswithExperianandXXXXisbeyonddifficult.

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

I have tried SEVERAL times to cancel my account which is automatically charged to my credit card at {$24.00} a month. You can not cancel online and they will not answer the phone of you select cancel through the automated system over the phone. Hold times are often over an hour and sometimes several. I am yet to get them to answer at all. I'm canceling my credit card as this is the ONLY way I can get the charges to stop. This can not be legal.