23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported identity theft and fraud since XX/XX/XXXX with all credit agencies Equifax made the following dates inquiries without my knowledge or legal permission 15 inquiries without my knowledge or permission XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX EQUIFAX The other complaints will by reported seperately
Product: Credit reporting or other personal consumer reports

Third party collection agency is reporting inaccurate and incorrect information to the three credit bureaus. They are aging account, which incorrect information reporting which requires the account to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX XXXX has failed to verify the the debt owed to the collection Account # XXXX Under U.S.C Fair Debt Collection Practices Act 15 usc 1692 and Fair credit billing Act 1666 Tennessee XXXX XXXX XXXXXXXX XXXX & Transunion has failed to respond also failed to verify this account ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

LoanCare is currently reporting a 30 day late status for XX/XX/2019 on XXXX  and XXXX. My home was sold and the mortgage company was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to remove a name that does not belong to me and is not associated with me. On my credit report, a name I have never been known by or associated with, " XXXX XXXX XXXX '' appears. I have requested that it be removed, but my request has not been honoured.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted supporting letter and documentation for a phone dispute, letter received on XX/XX/XXXX. XXXX closed my phone dispute after a dew days and my supporting letter with additional relevant documents was automatically disregarded, as per telephone conversation on XX/XX/XXXX. In this conversation, XXXX rep finally looked into the scanned copies of my XX/XX/XXXX documentation and hardly agreed when asked to read letter by letter the disputed item, that yes it is indeed innacurate. The response was, that still, she follows TU internal protocols and will not remove the item that is innacurate, even when I brought up the FCRA regulation on the matter. They plain upfront denied to remove a wrong item, violating the FCRA. First, they did not conduct proper investigation for the phone dispute, it run my file to their automated machine that does not comply with regulations on verifying and identifying, then matching the data, second they denied to properly and lawfully check the supporting documentation I sent in. Third, they confirmed on the phone that there is, indeed, innacuarcy between public file and my file, and denied to remove such innacuracy. All violations. Their automated electronic softwares to verify, identify, authenticate, certify, match etc., consumers ' data is not compliant.
Product: Debt collection

I sent letters to XXXX, XXXX and XXXX on ( XX/XX/2022 ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( 6 Months ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. MY INFORMATION WAS COMPROMISED DURING THE 2017 XXXX  DATA BREACH. I HAVE ENCLOSED DOCUMENTS TO ASSIST IN BLOCKING INFORMATION FROM BEING REPORTED ON MY CONSUMER REPORT
Product: Money transfer, virtual currency, or money service

I became a victim of scammed transaction, described the whole details on the attached letter
Product: Credit reporting or other personal consumer reports

I did not authorize the following inquiries that are reporting on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I ask a service to a law firm. The asked a deposit. They never gave the service. Service was to go to a court to defend. The never wen to a court. XXXX  claim to Capital one was on time. They have information in their system.
Product: Checking or savings account

I was a victim of Identity theft. My bank account has been Hacked online banking. My money was stoled out of my bank account from TCF bank in XXXX and XX/XX/XXXX, The Huntington National Bank took over TCF bank. {$120000.00} was wire taken out of my savings and checking account. 
Dates shown the money internet wire stoled are : {$25000.00} from XXXX XX/XX/XXXX {$25000.00} from XXXX XX/XX/XXXX {$25000.00} from XXXX XX/XX/XXXX {$25000.00} from XXXX XX/XX/XXXX {$8400.00} from XXXX XXXX XXXX XX/XX/XXXX {$16000.00} from XXXX XX/XX/XXXX Two Forgery Checks cashed sent to me : check no. XXXX XX/XX/XXXX {$7300.00} check no. XXXX XX/XX/XXXX {$4500.00} I have Never made any of these transactions listed here that The Huntington National Bank said that i did. I have signed a sworn Identity Theft Affidavit given to The Huntington National Bank, stating all facts true full!
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows someone tried to open a new account with XXXX XXXX my name in XXXX  of this year and wont give me any more information
Product: Credit card

Had I not been incorrectly advised, and had I been properly informed of the companys policies, I would not have closed my American Express XXXX XXXX account. I believe that the incorrect statements by the representative from American Express will now cause harm and negatively impact my credit score should I reapply for the American Express XXXX card and available sign up offers. 

Having called the service line, I expected and trusted that the information provided to be accurate as the information shared by representatives could have adverse impacts in decisions cardholders make. In my situation, I was provided inaccurate statement when I called to speak to a representative regarding my decision to close my American Express XXXX account earlier this year and was NOT made aware of the once per lifetime rule barring previous customers to become eligible for future signup bonus offers. I only learned of this rule based on a separate conversation with another service representative around XXXX XXXX,2024, and had to search online to confirm this rule ( example : XXXX XXXX XXXX ). Had I been properly advised of this rule, then I would not have closed my account because I would have known that the representative provided inaccurate statement on being eligible to requalify for a bonus after two ( 2 ) years ( was advised of this on my call around XX/XX/scrub> 2024 ). Fast forward to now, if I would like to reacquire an American Express XXXX card, I will potentially be subject to adverse credit impacts with another pull against my credit with no guarantee that I could qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Debt collection

This is an account from XXXX where my grandson was attending school in Mass. The housing set the students up with housing that is near impossible for a student to attend school and work a job that would earn enough to pay a {$700.00} per month rent. His rent was paid up to the time he felt he could not continue classes due to the fact he could not afford the rent. Eviction was threatened and he decided to leave school so he would not continue to run up a debt for his rent. However the housing has charged him, for a broken lease while they immediately rented to another student. Since I was the co-signer the debt now comes to me. I feel this is very unfair and possibly illegal if the housing filled the vacancy and is receiving rent while collecting from me.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that on XX/XX/year>, I checked my credit report and discovered XXXX fraudulent inquiries that I do not recognize. These unauthorized inquiries are negatively impacting my credit score, and I believe they may be the result of identity theft. I have already taken the following steps : 1. Obtained copies of my credit reports from all three major credit bureaus 2. Identified and marked the XXXX fraudulent inquiries XXXX. Prepared dispute letters to send to each credit reporting agency I am concerned about the potential for further fraudulent activity and the impact on my financial well-being. I would appreciate any guidance or assistance the CFPB can provide in resolving this issue and protecting my credit. Please find enclosed copies of my credit reports with the fraudulent inquiries highlighted. I am happy to provide any additional information you may require. Thank you for your attention to this matter.
Product: Credit card or prepaid card

I have been a with CAPITAL ONE BANK USA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and anxiety. As a consumer, I expected a more expedited and efficient response from your agency to correct these inaccuracies promptly. I urgently request that your agency conducts a thorough investigation into the matter, removes the fraudulent items from my credit file, and provides me with written confirmation of the corrections made. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I previously opened a case with Navient on this website in XXXX case number XXXX which mentioned the unfair automatic capitalization of interest after I enrolled in a graduate program. As a resolution they stated they reversed the capitalization that occurred in XXXX, which was great, but it appears that they have undone this resolution in my Navient account after my case was closed with CFPB. This is a dishonest resolution to that case and I am reporting it here.
Product: Debt collection

this place is listed on my credit as national credit system but the original debtor is XXXX XXXX however they are now owned by XXXX XXXX i advised them i never stayed applied nor visited this location ever and they have failed to remove from my credit profile
Product: Debt collection

Attempted to make pays, but could not pary the amount they wanted. 500-600 dollars a month, They would not accept the amounts I was able to pay around {$100.00} a month. They would not accept anything less than $ 500- {$600.00}. They threatened to sue for the amount and threatened credit. After it was turned over to collections I was able to work with them and make payments. With an interest rate so high, barley any gets paid on the actual loan itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently 9 inaccurate late payments reported on my credit for multiple loans which have all been reported on my credit reporting/affected my credit score. These negative reports were for supposed late payments on XX/XX/XXXX and XX/XX/XXXX. I was enrolled in a full-time graduate program from XX/XX/XXXX until XX/XX/XXXX and thus my payments were deferred. I have attempted to rectify the issue with the lender multiple times ( at least 5 ) in XXXX and there was no resolution. I submitted proof of enrollment as well as what is reported on my credit report and they said the information was accurate with no explanation as to why or acknowledgement that I was in fact enrolled full-time from XX/XX/XXXX until XX/XX/XXXX. Before graduate school, I had never missed a payment.
Product: Mortgage

In an effort to confirm who owns the mortgage and has lien on my home I sent correspondence to Select Portfolio Servicing ( SPS ). On XX/XX/XXXX I sent a letter to requesting the following items : Provide the identity of the mortgage loan note on my home. 
Provide the owner of my mortgage for the property located at XXXX., XXXX, New Mexico XXXX. 
I received a letter dated XX/XX/XXXX from SPS stating that they had received a letter from my authorized agent. 
I received a letter dated XX/XX/XXXX from SPS stating that they have received my inquiry letter and to give them 30 days. 
I received a letter dated XX/XX/XXXX that they had completed their investigation into my inquiry and since they had not serviced my account in over a year they would not provide a response. 
In XX/XX/XXXX I ran into financial troubles and requested a foreclosure letter from SPS so I could withdraw money from my XXXX ( k ) to pay them. SPS informed that since the loan was a XXXX mortgage they could not foreclose on my property so they could no provide a letter. in XX/XX/XXXX SPS placed my account in a XXXX status. I have not paid SPS or any other entity for this mortgage since. 
SPS is not providing me with my requested information and are not being cooperative in my effort to clear the title on home.
Product: Mortgage

After Wells Fargo approved our Covid forbearance as my husband only worked 2 weeks a month, I applied for assistance and I was just informed we no longer qualify for a modification and need to foreclose or do a short sale. We have no where to go. Family of XXXX with a XXXX year old. They are giving me 14 days to decide on a short sale. I just received the letter today, XX/XX/XXXX on a letter written XXXX XXXX which leaves me 7 days to decide. I have been XXXX since XXXX  due to a work accident so it hasnt been easy for us.
Product: Debt or credit management

On XX/XX/23 I contacted Freedom Debt Relief to inform them that I still had more than {$8000.00} on the XXXX XXXX credit card that they Freedom Debt Relief said had been settled about 3 years ago. The reason XXXX XXXX says that there is still over {$8000.00} in delinquent moneys owed is that Freedom Debt Relief broke the settlement by not paying the total amount agreed upon by both parties. Freedom Debt Relief acknowledged to me that this is correct, and they did not pay a XXXX  XXXX the entire amount yet told me 3 years ago when I graduated from their program that all settlements were complete. Freedom Debt Relief refuses to contact XXXX  XXXX concerning this matter and is telling me that I need to get a collection report from XXXX XXXX showing that they are still trying to collect a debt from me. XXXX XXXX is refusing to contact Freedom Debt Relief to discuss the matter and refusing to send me any type of collection notice or even send me the balance on the credit card account so I can forward it to Freedom Debt Relief. I am stuck, and this debt has been on my credit report as a delinquency for 3 years now negatively impacting my credit score!
Product: Debt collection

My capital one card was a secured card of my own {$250.00}. I tried to get a car rental at XXXX which was the last transaction on that credit card and i was denied the transaction due to insufficient funds. The rental was over {$1000.00} i tried called capital one to raise my Credit since i had added funds to the account. I believe it was 600 or so. Trying to raise my own credit not knowing it didnt work that way ; so i ended up paying cash for the rental the thousand and change dollars all cash. So i have no idea why or how my credit limit # 1 was increased when after i was denied the credit raise i asked for The card to be closed. Now i have a {$800.00} + debt for no complete reason and i have no way of figuring out who was the agent at enterprise that took my transaction.
Product: Mortgage

I had a mortgage counselor to send Selene Finance a modification package about four months ago. When I contacted an attorney with XXXX to see if she could assist me with getting a QWR from Selene Finance stating why I was charged advertisement fees, title fees and other fees. When the attorney reached out to Selene regarding the QWR, they responded with a denial of my request for a modification. In the denial letter it states that I do not qualify for the mortgage program requirements which I know is not true. I do qualify and I do make enough money to afford my house. Selene took an extremely long time to respond to my modification request. They do not have rightful reasons to deny me and I feel they only did so to avoid giving me the QWR. I want to get my modification that I have been trying to get for almost three years now. From being transferred from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX and now to Selene Finance. I have been jumping whatever hoops my mortgage company tells me to but then they still deny me a modification.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX, and they appear to have sold it to Central States Recovery, account opened on XX/XX/2016 and XX/XX/2016 therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''