23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Updated case number XXXX. I have been writting letters to Trans unin credit reporting agency to remove inaccurate information from my credit file from company named XXXX with account number of XXXX. My request for removal has not been honored as a result negative information continues in my credit file. My request for deletion is based off of my rights under the Fair Credit Act, due to creditor not complying with written notification to validate claimed debt. I have requested that Transunion validate alleged debt by notice of original signed contract as stated I entered into binding me to obligation of debt. In addition I have requested for legal proof that alleged debt statue of limitation has not expired. As of today I have not received an justifiable reason from Trans union with reasoning of why negative information from XXXX remains in my credit file. I have requested from Trans union to provide me with method of verification and validation of debt in which to include creditor contact person and phone number who verified debt with credit reporting agency and as of now I have not gotten any response from Trans union.At this time I am asking for CFPB to investigate with Transunion of justifiable reason to continue to report negative information regarding XXXX into my credit file. I also would like Trans union to supply me with written notification of verification and validation of my original dispute to investigate statue of limitation on debt and copy of original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my FTC report, Identity Theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
XXXX XXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX / BAL. XXXXXXXX XXXX XXXXXXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX / BAL. XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX COL. DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX. DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Credit Acceptance located in XXXX XXXX. MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Credit Acceptance has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a stream of accounts opened under my name and social security number. I did not recognize nor authorize any of these accounts that I have reported. 


XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX the following inquiries are fraudulent ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts has Violated my Rights # 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 15 U.S.C. 1681 Section 602-A- States I have the Right to Privacy 15 U.S.C. 1681 604A Section 2 It also states a Consumer Reporting Agency can not furnish an account without my written instructions 15 U.S.C. 1681-Congressional Finding & Statement of Purpose Subchapter # 3 A-4 There is a need to ensure that Consumer Reporting Agencies exercise their grave responsibilities with fairness. impartiality, and a respect for the Consumer Right to Protection
Product: Money transfer, virtual currency, or money service

Paypal won't let me send a donation to a candidate, on XX/XX/19 their live chat agent said I had to fax them my SSN and drivers license and a utility bill. I did that, they still will not let me send $ $ and when I call they make me listen to an endless recording of irrelevant info I have been on hold for a really long time. Their website says no live agent is available. I have enailed them 10 times about this but they never answer my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditors XXXX Capital One has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of incorrect and fraudulent information on my credit report as a result of identity theft. Specifically, I am disputing all previous addresses, phone numbers, and name aliases that do not belong to me. 

All other addresses, phone numbers, and name variations should be removed, as they are the result of fraudulent activity. I have never used any other names or aliases, and the incorrect information is negatively impacting my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you remove these fraudulent entries from my report to ensure that only accurate information is reflected. 

Thank you for your prompt attention to this matter. Please confirm once these corrections have been made.
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. I told Experian, XXXX, and XXXX to reinvestigate these accounts. 

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

Experian refuses to update my credit report to include my XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX. 

I have had these accounts for 3 months now and they refuse to report them on my credit report. 

We are in the process of filling a class action lawsuit against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00} ; XXXX XXXXXXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX  Balance {$720.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Trans Union is reporting a collection as a " OPEN ACCOUNT*which is not under FCRA compliance . This is inaccurate reporting and needs to be removed immediately. I tried to dispute directly with Transunion and XXXX back verified and I will like the documentation used to verified or they need to remove the account. 

Please send me a copy of my credit report when the above deletion has been removed.
Product: Student loan

I XXXX XXXX XXXX in XX/XX/XXXX. I did not start working XXXX XXXX until XX/XX/XXXX because I had to take time off to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I XXXX XXXX XXXX XXXX XXXX XXXXXXXX so I am planning on PSLF. I was told to consolidate my loans and apply for IDR by a student loan counselor. My payments for the first year should be XXXX because I made very little last year and this year, as reflected on the tax forms attached. I applied to consolidate my loans on XX/XX/XXXX and submitted an IDR application with the consolidation application. My loans were consolidated on XX/XX/XXXX. Soon after that, MOHELA sent me a notice that I was on a standard repayment plan and owed around {$780.00} starting on XX/XX/XXXX. I submitted additional IDR applications on XX/XX/XXXX and XX/XX/XXXX, and nothing happened. I called MOHELA on XX/XX/XXXX and waited on hold for over an hour just to have the call drop as soon as I was connected to a person. Everyone online said the only way to get through is to call right when they open at XXXX CT, so on XX/XX/XXXX I woke up at XXXX MT so that I could do that. I talked to an agent who requested a processing forbearance be placed on my account, so now my account is in a processing forbearance ending on XX/XX/XXXX. The MOHELA agent said that if my IDR application is not processed by that date I need to call again to get an extension on the processing forbearance. From what I've seen online my time in this forbearance will count towards my 120 PSLF payments, but I'm not totally confident in that so I want to get the IDR application processed to reflect the {$0.00} payments I'll have based on my XXXX tax returns so that they definitely count. I also don't want to have to wake up at XXXX again to call if I can avoid it. I am not sure why my original application from XXXX wasn't processed since they seemed to process the consolidation application so quickly. I submitted different applications for SAVE and other IDR plans because I'm aware some of this is tied up in the courts. I've attached screenshots reflecting the dates described as well as my proof of income in the form of an IRS document from my most recent tax filing ( filed in XXXX  XXXX ).
Product: Credit card or prepaid card

On XX/XX/18 I ordered an item from Kohls in the amount of {$50.00}. Order number:XXXX. I realized when I got the email of order confirmation that the address on file was an old address of about 2 years ago. I then called Kohls to inform them and they advised when I got the tracking number to call them and they would intercept the package and have it delivered to my new address. When she came back to the phone after placing me on hold she told me the package had been intercepted and I would be receiving a follow up email. When I got the email it said I had to contact the person now living in my old house like I am supposed to know who lives there. Long story short, I never received the item and was mislead by Kohls saying the matter has been taken care of which it never was. So now I am responsible for paying for an item I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of the following hard inquires and I'm asking that they be removed : 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 XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im being denied credit due to equifaxs denying access to my credit file for credit reference. Ive written them and asked them to remove the fraud alert and they have not. Id like the fraud alert removed ASAP. 
Thank you
Product: Credit reporting or other personal consumer reports

I am reporting identity theft, as this company has reported an eviction on my background report. I have no knowledge of ever having an apartment or owing any money to any company regarding a eviction. I am making this report to the consumer protection agency to investigate and remove immediately.
Product: Credit reporting or other personal consumer reports

In XXXX I applied for a credit card and was denied due to " applicant was XXXX. '' Clearly, I am not- and decided to move on without a credit card. In XXXX I applied for a car loan and the loaner was unable to access my XXXX XXXX and also got the message that I was " XXXX  ''. I then scheduled an appointment with the social security department to see if they knew what was going on, and they informed me that everything was fine on their end. I obtained a letter from them stating that I was in fact XXXX. I sent copies of that letter along with a notarized letter stating that I was alive, with copies of my ID, social security card, and birth certificate to Experian, XXXX, and XXXX to establish my existence in XX/XX/XXXX. I received a letter from Experian stating that my Dispute item not listed in credit report and a letter from XXXX confirming the dispute, but had no results to list. I received nothing from XXXX. I have spoken to several representatives from the XXXX credit reporters and all of them have no idea why this is happening and take no accountability. I have spoken to several professionals and they advise a lawyer, but I do not have the means for that. I met with a XXXX XXXX that was able to establish that all three credit reporters do not have my name correct in their systems and Experian has an incorrect social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS According to these 2 codes there should not be any late payment reported on my credit file I am demanding my credit file be updated with the proper account status of up to date Account dates opened XX/XX/XXXX account is reflecting as not paid this account has been paid in full and I need this derogatory remark removed from my credit file and lte payment removed as requested above.
Product: Mortgage

I purchased a new home in XX/XX/XXXX. My mortgage was immediately sold, as is usual, to a company I had never heard of - LoanCare , LLC. I paid them normally and as expected until XX/XX/XXXX. Then I received a statement from them, dated XX/XX/XXXX, stating that my Escrow account was in a negative by $ XXXX. This negative account amount meant my monthly mortgage needed to raise by {$350.00} to have enough in it to cover taxes again by XXXX, XXXX. According to their own statements, it was because my county taxes were paid in XX/XX/XXXX for an amount of {$2700.00} even though the projected amount to that point had been {$1000.00}, and the bill they received from the county tax office was only {$910.00}. The tax office refunded the overage, LoanCare 's website and statements show they have received that refund and my new Escrow account estimate was changed to reflect that and is no longer in a negative ; however, since they are still " projecting '' a tax amount of {$2700.00} again for this year they are still raising my monthly mortgage to cover the projected amount. I have an email from the Tax Assessor 's office stating that the mortgage company paid more than they were billed for - that they paid the 6 % rate for a secondary property instead of the 4 % rate of primary residence that I was actually charged for. The mortgage company agrees that they have that information, but because the previous owners rented the property out and were charged the 6 % rate, they are projecting that I will be charged that even though they admit to having all the documentation needed to see that I should not be charged that amount this year and they overpaid and were refunded that amount for last year. I have emailed and called LoanCare several times. Every call was recorded by their office. I can not afford the raised mortgage amount and there does not seem to be any reason for it to have increased in any way. I do not believe that what they are doing is legal, or at least ethical. Any assistance on this issue will be appreciated. 
Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccurate accounts reporting. I also see many different addresses that is not associated with me. My consumer report has so many inaccurate accounts that are not associated with me, I have called all debt collection agency that can't produce FACTS or documents to prove it was my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a recent inquiry that has appeared on my credit report without my consent. After reviewing my credit report, I discovered an unauthorized credit inquiry made on XX/XX/year> by Bank of America. 
Details of the unauthorized inquiry are as follows : Inquiry Date : XX/XX/year> Creditor/Company Name : Bank of America Inquiry Type : Hard Enquiry I have not provided any authorization for this inquiry, nor do I have any business relationship with Bank Of America XXXX As a consumer, I am entitled to know the details of any information accessed on my credit report and to dispute any unauthorized inquiries. 
I am formally requesting that you investigate this matter promptly and remove the unauthorized inquiry from my credit report.
Product: Debt collection

VALIDATION AND CEASE AND DESIST USCB Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Dear USCB Corporation I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Consumer Loan

Lobel Financial assessed a mandatory insurance policy on a vehicle financed through them even though the proper and required proof of insurance was provided to their legal and insurance departments on several occasions by myself and by my insurance agents. 

The policy premiums for the coverage assessed on the vehicle were prorated on a monthly basis and added to the monthly payment on the vehicle. Despite repeated phone calls and faxes by my insurance agents the assessment went in for a period of approximately 30 months. Additional attempts to provide proof of coverage were to no avail. Lobel Financial was informed the account should have been credited for the accrued mandatory insurance premiums by XX/XX/2016 else legal action would be brought. 

Company representatives provided assurances that the insurance issue would be taken care of and that the amount credited back to the loan balance would be used to offset future payments due. On XX/XX/XXXX the company proceded to repossess the vehicle on grounds of missed payments on the account. On XX/XX/XXXX upon contacting the company to cure the loan to recuperate the vehicle the company representatives stated that the only available venue to get the car back would be to pay the remaining balance in full. 

Their excuse for proceeding in such manner was the allegation that the vehicle was being used to commute back and forth from XXXX contrary to the loan terms. Upon review of the loan documents said clause is obscure and unclear and therefore subject to many interpretations.
Product: Debt collection

Capio Partners , LLC violated the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and other state statutes.
Product: Credit reporting or other personal consumer reports

i sent a dispute to transunion going over some personal information that isnt mine they have yet to respond to the matter and removed this information that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was paid in full. It was never sent or sold to a collection agency. They have refused to provide the correct information and now it is showing as a charge off when it wasnt. XXXX was provided with a letter I received from Greensky stating the loan was paid. I also have proof showing Greensky was who deducted the FULL payment from my bank account.