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

I am writing to formally request the removal of account XXXX from my credit report due to its association with unlawful and unethical practices by XXXX XXXX and the original creditor, XXXX XXXX. 

XXXX XXXX violated XXXX XXXX Code XXXX under the Servicemembers Civil Relief Act ( SCRA ) by repossessing my vehicle during my XXXX military service without obtaining the required court order. This is a direct infringement on federal law and my rights as a servicemember. Furthermore, XXXXXXXX XXXX business registration in Texas is inactive, and their right to conduct business has been forfeited, making them legally ineligible to report debts to credit bureaus. 

XXXX XXXX subsequently purchased this debt without conducting a proper investigation, in violation of standards outlined in XXXX v. XXXX, XXXX. Additionally, I was never notified of the debt transfer, and XXXX XXXX has failed to provide any correspondence or validation of the debt, rendering their claims baseless and invalid. Their documented history of regulatory violations further highlights their unethical practices in debt collection. 

Given these circumstances, I demand the immediate removal of account XXXX from my credit report with your agency
Product: Student loan

I have been enrolled in PSLF since I graduated XXXX school in XX/XX/XXXX. I believe I was officially enrolled as of XX/XX/XXXX. I was initially with XXXX XXXX, then XXXX and now Fed Loans since XXXX. I have been having issues with my number of loan payments being reported inaccurately. I have not missed a single payment since I enrolled in PSLF. In fact I overpaid by accident about 2 yrs ago and it put me in " Paid Ahead '' status. I still continued to make monthly payments even though it said I owed XXXX dollars. I asked fed loans to do a manual count in XX/XX/XXXX. They responded back to me in XX/XX/XXXX stating that they corrected my counts but did not provide details of what exactly they corrected. They told me that they were going to provide me an excel file that shows all the payments that were counted but I still have not received that. They also sent me a letter in XX/XX/XXXX that showed how many payments were counted from each of the employers for whom I turned in the employment certification for. I did my 2 year fellowship at XXXX ( XXXX XXXX. XXXX XXXX ) at XXXX XXXX. The letter dated XX/XX/XXXX shows that ZERO payments are counted from when I was at XXXX XXXX, even though I turned in my employment certification. I asked Fed Loans to correct this but have not heard back from them still. I had initially used GL Advisors to help me enroll in PSLF in  XXXX. I learned from Fed loans that they did not turn in all the paperwork for all my loans at the same time. So I understand that the starting date of my loans might be off by few months, however I think they just completely missed 2 yrs worth of payments when i was in fellowship XX/XX/XXXX-XX/XX/XXXX, or else maybe when I was in paid ahead status, they did not count those payments, I am not sure. It has been extremely frustrating dealing with Fed Loans trying to get an accurate loan payment count. The last employment certification I turned in was in XX/XX/XXXX for my current employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote and sent via certified mail a formal dispute letter to the following credit bueraus : Equifax, XX/XX/XXXX and XX/XX/XXXX in regards to incorrect personal information and incorrect accounts being reported on my credit report which is having a damaging effect on my credit score and overall credit profile. Within this letter, I specifically stated for each of the credit bureaus to provide in detail the full scope of their investigation, including the names of the representatives from each creditor that they " verified '' the inaccurate accounts with, the date of this correspondance, and any legal documentation bearing my signature that I have with the " alleged '' creditor. I've also sent via certified mail an inquiry letter to each credit bureau demanding why my credit scores had such a huge drop within only 60 days. My Equifax score dropped 65 points, XX/XX/XXXX dropped 97 points, and XX/XX/XXXX dropped 78 points since XX/XX/XXXX. There is nothing on my credit reports stating or showing where this significant drop came from. None of the three credit bureaus responded to any of my letters inquiring about this. I could not get through to any of the bureaus on the phone, nor have I received any email correspondance. I am looking to purchase a home within the next 6-8 months and my credit scores were in the high XXXXXX/XX/XXXX, low XXXX XX/XX/XXXX before these drastic score drops which occured from XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I started sending in disputes to Transunion, XXXX and XXXX in XXXX that the XXXX account for the vehicle was NOT charged off and it is NOT closed. I have been making on time monthly payments all XXXX-current. The credit bureaus are still showing the account as closed/ charged off and last payment as well as balance information is NOT up to date. I have proof of all on time payments as well as that the vehicle is almost paid off and still currently open with XXXX XXXX XXXX as of XXXX.
Product: Mortgage

I closed on my home purchase on XX/XX/year> but did not get a final closing disclosure from Navy Federal Credit Union to review until the afternoon of XX/XX/year>. I feel that this was unacceptable and I felt pressured into the terms of the amount of the down payment I had to put down.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX and Equifax are reporting a credit agency XXXX XXXX XXXX. on my credit report illegally, the is closed and is over 7 years old. Per the law negative and closed accounts only remain on a credit for 7 years. I have tried to dispute this item, but the item continues to be reported on my credit report and no explanation as to why.
Product: Mortgage

My mother XXXX in XXXX with a reverse mortgage from Wells Fargo. I was assigned a " Loan Specialist '' ( by mail ) and tried several times to speak with her, left several messages and NEVER got a called returned. I waited for 2 months. The letter they sent clearly says I have 6 months to ignore, keep or sell the house. Now that I have the house on the market I FINALLY got some XXXX on the phone and I am told that the house has been referred to foreclosure attorneys! I have sent in every paper and document they asked for before the deadline ( which I would have known about sooner if anyone had returned a phone call ) and I am told that there is no way to stop foreclosure proceedings. I was missing the listing agreement but I was not told about that until I called them to ask why I am not being notified about anything. I immediately sent it in. Since I asked for an extension I was told they will probably grant it and that will hold the foreclosure but how am I going to sell a house if potential buyers find it is " in foreclosure ''? I believe I have done everything they have asked me to do, provided every document, yet foreclosure proceedings have begun and I was told there is no way to reverse it. They have been non-communicative and I have had to drag out every bit of information and now I am incurring foreclosure fees for a house I am trying to sell. I am trying to do the right thing and sell the house so everybody gets their money, but they are making it very difficult. My " specialist '' has never heard my voice, I have to deal with the 'home preservation ' people and it is difficult enough to mourn the loss of my mother without having to fight to sell her home. I now understand why Wells Fargo sustains such horrible PR. They seem to be indicating that they would rather I just walk away from the house then try to to what is right. This is not how, as the letter states, they show they are " committed to helping you through the process and making it the best experience possible ''.
Product: Credit reporting or other personal consumer reports

Item was disputed on multiple occasions but still has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR NAME : XXXX BANK XXXX XXXX : {$3500.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$18000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 credit bureaus on XX/XX/XXXX demanding a reinvestigation I also attached my government ID, my son, and a bill with my address so they can identify me as well. these 3 credit bureaus are reporting in acute information on my report that should be removed immediately. 

I have filed a lawsuit against all 3 credit bureaus for negligence enablement of identity fraud and for violation of the Fair Credit Reporting Act.
Product: Mortgage

In XXXX of XXXX, my wife and I contracted to buy a house in XXXX XXXX in XXXX Virginia from XXXX homes. The address is XXXXXXXX, XXXX, VA XXXX. As part of the loan process with Eagle Mortgage, a subsidiary of XXXX XXXX, an appraisal was required. The purchase price of the house was {$370000.00}. The appraisal valued the home at {$460000.00}, an {$85000.00} increase in value of the purchase price. Instant equity, we were told. Less than a year later, we were looking at potentially selling the property only to be told by several real estate agents that the best we could hope for was a sale price of {$350000.00} based on current real estate data. Not only a loss of our instant equity but a reduction in value of {$25000.00}. Something is wrong with his scenario. There has been no recession and the fact of the matter is the home had an inflated value solely for the purpose of securing a mortgage. When I reviewed the appraisal form, I could not find any realistic justification for the original appraisal. As an over XXXX year old lifetime resident of the Commonwealth of Virginia, I feel there is some level of fraud involved in this situation. Fraud against anyone is unjustifiable and fraud against seniors is indefensible. 
Remember the mortgage crisis of 2008? Overvalued appraisals were one of the leading causes. 
Are the appraisals being fraudulently overvalued? Is Eagle Mortgage, which hired the appraiser complicit in these transactions? 
I would respectfully ask that this situation be investigated, as this type of financial manipulation is wrong and potentially illegal. 
I can be contacted at XXX XXX-XXXX Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed A copy of my consumer reports with XXXX, XXXX and Equifax and have noticed an account from XXXX has reported as charged off and reported A balance. Back in XXXX I had A XXXX television and sound tower financed threw XXXX XXXX and with the purchase I had insurance with covered the items I leased in the event they where stolen.. On XX/XX/XXXX my home was broken into and the items I leased from the above company was stolen. As A result I filed A police report and informed them immediately that I no longer had the items. I was informed I would have to provide A police report to have the account paid by the insurance and closed out as paid in full. I first submitted the report the incident report on XX/XX/XXXX and was contacted later and informed they could not use the incident report and needed the actual police report. I then reached out and informed them the police had informed me I would have to wait on the report via mail and after I received it I would send those documents. On XX/XX/XXXX In sent the police report via mail and called to advise it was on the way. On XX/XX/XXXX I called again and was informed they had not received the report. This time I went into the local XXXX XXXX XXXX in which XXXX XXXX is located and provided them A hard coppy of the report and was informed it was be uploaded to my file. 3 Years later I am reviewing my report and notice the account has never been updated as paid in full and instead is listed as A charge off. This is illegal and A violation to FCRA to report inaccurate information. then reached out to XXXX XXXX On tuesday XX/XX/XXXX via phone explained this situation and he informed me to email him A copy of the report and he would foward it to the correct person. He informed me I would hear something back within 48 business hours and I have not recieved any sort of update A week later. Ib ahev subnmitted A dispute with the consumer reporting agencies ith this information coming back as verified although it is truly an account that should not be on my credit report. I have attached the copy of the police report below along with the communication I have had with XXXX at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I asked each credit bureau for proof that the United States XXXX or I requested them to report a bankruptcy on my credit report. They never provided proof. I asked the court did they report bankruptcies on consumer 's credit. They said they do NOT ever request bankruptcies to be reported to the credit bureaus. 

The credit bureaus violated FCRA XXXX ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit report file. The XXXX XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( a ) states they are required by federal law to verify through physical verification of the original signed consumer contract and or / judgement ( XXXX ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX  XXXX {$760.00} XXXX  XXXX   XXXX {$180.00} XXXX XXXX XXXX {$8300.00} XXXX   XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I received a call from someone claiming to be from XXXX XXXX. They had my name, address and phone number. They told me an account had been created and a ZELLE transfer initiated. There was no money in the XXXX account and ZELLE would take the funds from any bank I had an account with. The caller gave me a case number XXXX and two transfer ID 's XXXX & XXXX. I was instructed to call ZELLE directly at XXXX. I did so and the person who answered tried to walk me through a cancellation from my current bank 's website. I made a mistake and we were unable to complete the cancellation. I was told I would receive a call in the morning to complete the cancellation. My bank found the activity suspicious and canceled my access to ZELLE. When I called the fraud line on the ZELLE website the next day, I was asked why I was calling if the bank canceled my access to ZELLE. I mentioned I never set up a ZELLE account and I wanted to disable or cancel any existing account. I was told that I had to go through my bank to cancel my ZELLE account. I was unable to do so because my access had been canceled for my safety. I was then told I had to give my ATM number to them so they could locate my account. I refused to provide that information and they said they couldn't help me and hung up on me. I believe this is a deceptive practice and the ZELLE company is inviting fraud and not protecting their customers.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft in 2019. A XXXX XXXX Bank account was open fraudulently in my name and a loan was taken out as well. 

I have tried tirelessly to have this removed from my XXXX  and transunion credit report. I've reached out to XXXX XXXX as well to dispute this and they have not been any help.
Product: Credit reporting or other personal consumer reports

Good day I recently reviewed my credit report. I found numerous inquiries from creditors who i did not give permission to pull my credit! these inquiries are fraudulent. Please remove them off my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 was not sent in error. I am a consumer by law and my info was misused and I now have some false not 100 % accurate accounts and information on my credit report. 

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did research myself and found inaccuracies on my credit report even after they said they did research. In Accordance with Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX Also 15 U.S.C 1681 Section 602A says I have a right to privacy and Section 604 A Section 2 says a consumer reporting agency can not furnish an account without my written instructions and consent as well as the right to opt out! I was not given the opportunity for my information to not be shared and I'm demanding removal of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I'm a natural woman submitting this complaint on her own behalf without the assistance of any third party. The companies identified in this FTC report # XXXX improperly obtained my personal identifying information through aggravated identity theft and are using it to improperly report negative information on my consumer report without my written consent or authority. XXXX XXXX, TransUnion, XXXX, and XXXX are reporting inaccurate, false, and fraudulent accounts, hard inquiries, collection information, incorrect names, addresses, phone numbers, and employment information that don't belong to me and were made without my permission, written consent, or legal authority, as well as information that wasn't collected from me. 
See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.
Product: Credit card

On XX/XX/XXXX, I contacted Bank of America to dispute some transactions due to us not receiving and will not receive any services from the merchant but made a substantial advance payment. But Bank of American closed our dispute before we received their letter requesting more info. 
I called multiple times and they said it will be reopened but thats not the case. They also changed the reasons a few times why they closed the dispute and was told that I will not get the refund unless I send them a letter from the merchant that claims they are willing refund us. ( Would anyone dispute credit card charges if the merchants are willing to refund them? ) They finally reopen my claims after I filed a complaint on CFPB, and received a mail on Friday XX/XX/15 that requested information but one business later they closed and denied my claims already again before I had a chance to respond by mail. 

Bank of America is not interested in helping their credit card holder at all! Its worst credit card ever!
Product: Credit card or prepaid card

I made a payment to Discover for {$32.00} ( payment due date ) on XX/XX/ 2019. On XX/XX/2019 at XXXX XXXX I get a email from Discover stating that my account has been closed because of another collection account. So i call Discover that morning and spoke to a agent regarding the matter, and I was placed on hold while she spoke with her supervisor. Once back on the phone she informed me that I would have to give them 24 hours to look into the matter and to call back XXXX XXXX 2019 before XXXX XXXX. I called back on XX/XX/, 2019 and spoke to someone and was transferred from department to department ( given the run around ). I was once again told several times that my account was closed because of a previous account that has been charged off. I was then transferred to a supervisor which in turn transferred me to someone in another department named XXXX. Once XXXX got on the phone he ended up transferring me to some company called XXXX XXXX XXXX ( which does business with Discover ) and spoke to a lady there which placed me hold after getting my name and social. Once someone got back on the phone it was a male agent now, which asked me for the same information that the previous lady asked for ( name and social security number ) and he informed me that I am not showing up in his system and he cant help me ( company that handles Discover collection accounts ). so I called back to customer service and was connected to XXXX in XXXX Arizona which switched the story and told me that my account was closed because of Discover system ( a late payment ). I told her that she was giving me an excuse and her own opinion of why my account was closed and that I have spoken to several agents that made it clear why my account was closed. I was transferred to someone else and they gave me a phone number to another department and transferred me to that department. Once connected it was the right department after all ( after 8 different agents and 3 phone calls later ), and was told that my account was closed because of an account that had been charged off. But once investigated I was informed that the account in question whoever the person is has my first and last name, and date of birth but a different social security number and that I was right that the account is not mines.