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

I Just needed to update my credit file for removing unverified accounts that I do no recognize.I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : 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

Despite the 26 dispute letters I have been sending to the Credit Bureaus, they have failed to removet the disputed inquiries compeltely from my Credit Report and continued their reporting without proving that the inquiries beling under my name. The last leteters I have sent to them was XX/XX/XXXX with complete attachments of my personal information. Under the FCRA, I have been requqesting that the Credit Bureaus take a look to my Credit File and confirm the validity of the disputed Inquiries and send me proof of their verification and yet they have to do so! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. I am planning to pursue legal action and pursue the Credit Bureaus for their willful non-compliance with the4 FCRA regulation. The Credit Bureaus must remove the disputed inquiries as soon as possible : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Consumer Loan

The lender repossessed my vehicle at XXXX months past due. This seems egregious, as I 'm on XXXX XXXX, and under medical care. This makes communication extremely difficult. The repossession charge makes it impossible to redeem the vehicle and the lender has shown no willingness to work with me regarding that. This is a hasty reposession and unneeded as I had been paying each month and had not exceeded XXXX days past due. I want to redeems vehicle, and think the hasty actions of the lender make redemption with the added costs unbearable. This is discriminatory and predatory lending practices.
Product: Debt collection

In 2023, my son XXXX XXXX made XXXX visits to the hospital. The first visit occurred on XX/XX/year> ( account number XXXX ), and the second on XX/XX/year> ( account number XXXX ). Both accounts currently show a balance of {$0.00}, and we provided our insurance at the time of service. Collection Management is pursuing a debt of {$1000.00} on behalf of XXXX XXXX XXXX  XXXX, XXXX. I spoke with XXXX, a supervisor at XXXX XXXX, who informed me that XXXX  of XXXX  filed for bankruptcy last year and is no longer operating. 

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

I applied for Citi XXXX credit card, seeing a promotional offer of signup bonus of XXXX points after spending {$4000.00}. I also saw the term that this offer is not available for customers who have received this bonus within the past 24 months. 

According to my calculation, last time I received this offer, it was beyond 24 months. Citi approved my credit card application. However, when I received the card, it told me I am not eligible for this offer. 

So I am making the following complaints : 1. Citi miscalculated the 24 months ; 2. If Citi believes I am not eligible for this offer, it should have informed me before opening a credit card in my name. I believe this card account was opened without my consent.
Product: Student loan

Repeated Loop. Again and again. No way out.
I 'll set up auto withdrawal. But because the loans are not all consolidated, I lose track of them.
Suddenly, I 'll get calls and letters. Then find out a loan has been defaulted for few months. I 'll call new servicer, set up auto withdrawal again. Then get calls several months to a year or two later, another loan defaulted. Finally asked.
They said the loans are being sold to new servicers, but they never bother to tell you, that need to set up new payment, or that they will auto transfer the payment. Once loan sold, auto pay just stops. They could at least say its being moved. They are constantly being moved. All the payments I try to make yup stay afloat are a waste because once the loan had changed hands, the interest and fees just bring it right back to where I started years ago to repay the loans.
Another incident, were they advised they were putting the loan into some other standing and asked for paper work. I literally mailed, faxed, emailed Evey month for almost a year and half and they still call saying the signature and documents have not been received for the loan transition. Today they still regarding this.
I do n't understand. Why, if we are on the phone and I fax it to you while we are on the phone you still dont have it and the account is in default again.
How?!?!?! does one keep up and stay on top of their loans when the servicer is not doing their job to help the student, who are trying.
Its hard enough to try to make three payments, why do the services make it harder by switching hands, not informing you, not transferring the payments instead of just stopping them altogether, if going to stop then notify. and get the paperwork and documents straight. Keep all notes and documents intact. How can you not receive it, plus have verbal confirmation and I keep them on the line many times but still its not correct. How?!?!?!
I ca n't do their job for them, but if I could I guarantee it would have been handled correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved into XXXX XXXX, XXXX, Tx, XXXX of XXXX me and my girls XXXX and XXXX loved it there. I never not once was late paying my rent all the way up to being made to move out in XXXX of XXXX by a landlord XXXX XXXX. She claims that when I moved out that I left {$1600.00} damage to the apartment and that's a LIE, I was on a low rent program and I wouldn't have done anything like that to get me throw off the program. I did turn her into the XXXX XXXX   XXXX and they came out and after that she gotten mad at me and wrote me up and wouldn't renewal my lease so I had to move out and I did but I didn't do anything to damage that apartment I promise. By her lying on me and damaging my credit report I haven't been able to rent a place of my own for 3 years now me and girls having to stay where we can place to place with family and friends and it is not fair for one woman to have that much power to keep me from having a place to call home. She mistreated a lot old people out there and still work there and the company just don't understand or care one or the other. But all I want is for this to be resolved and removed from my credit report so I can get a place to call home. Thank you in advance.
Product: Mortgage

SNSC was the loan servicer for one of my loans. My property taxes and insurance were escrowed and payment was not made on one of the APN ( property had two lots ). The lot was taken and I've had to pay penalties to get it back. I reached out to XXXX XXXX from SNSC by email on multiple occasions ( XX/XX/21, XX/XX/21 ) to get this issue resolved. I had spoken to her by phone prior to that as well. She told me if I sent in the property tax bill they would refund me but even after I did there was no response. It was their fault my lot was sold and I had to pay fees to get it back so they should take responsibility for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit bureaus and let them know the following accounts on my credit report should not be there and are not to be reported to my credit. 



XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX. account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX This is aggravated identity theft. I never gave them written consent to report them. This notice is to inform you that you are unlawfully reporting unathorized items on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with theses companies for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I received a reply from TransUnion regarding the dispute of inaccurate and unverifiable bankruptcy information contained in the public records section of my credit report. TransUnion says the information is verified as accurate. Yet, you can see the information is invalid & not verified. It 's as simple as seeing that they even continue to report inaccurate telephone number information ... as well as other inaccuracies & unverifiable information too. 

Additionally, TransUnion has also violated the Fair Credit Reporting Act by neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. Furthermore, TransUnion is not supposed to score the contested information against me during the verification process. 

Additionally, TransUnion has NEVER verified the public records information DIRECTLY with the Bankruptcy Court of XXXX County Court. If they had, they would 've  discovered that much of what they 're reporting is inaccurate and incomplete. I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court or XXXX County Court. 

I have also attached a letter from the US Bankruptcy Clerk  that states that credit agencies get their information from a 3rd party service such as XXXX or other agencies like  XXXX. This is not reliable, and is prone to errors. 

TransUnion has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to TransUnion. 

I am demanding that TransUnion be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the US Bankruptcy Court or XXXX County Court ).
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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

Per the CARES Act, I submitted a refund request on XX/XX/XXXX for payments made during COVID payment pause. I was told it would take 2 months to process the request. 

Summary of payments requested for refund : {$550.00} payment made XX/XX/XXXX ; {$29000.00} payment made XX/XX/XXXX. 

A partial refund for {$550.00} was received XX/XX/XXXX. Meanwhile the student loan balance on my account reflects the combined total of {$29000.00}. I have not received the {$29000.00} refund. Today is XX/XX/XXXX. The two month timeline given was XX/XX/XXXX. 

Multiple attempts made seeking resolution to refund request.
Product: Debt collection

Around XXXX XXXX Midland credit called my cell phone and asked me why I did not pay my XXXX XXXX card today and what will it take to settle this debt today. I told them I do not know what they are talking about, and they proceeded to ask me why do n't i want to pay the debt I owe. I told them I do not have a XXXX XXXX credit card, they wanted my social security number that I refused to give them, the person who they are looking for is an XXXX something year old person I told them its not me and they finally agreed to remove me from their list. I come home and the home phone rings same company once again I told them I already told you to remove me from your list this is harassment whomever your looking for does n't live here, they said OK verify your social again i refused they told me they would remove me from their list. They stopped calling for a few weeks and now this week they started calling again every day they call me trying to tell me I owe them XXXX XXXX debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$790.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX : XXXX. XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ;
Product: Prepaid card

I have had an account with Amex Serve since XX/XX/2016, My direct deposit has come in later and later every week for the past 4 weeks and I am paid every week Wednesday. I spoke with a representative on today who informed me that my direct deposit will not process to my account until after my pay date. I spoke with the supervisor XXXX and she nor the representative were able to provide a valid reason why my deposit would come in late. I request to speak with someone that was able to actually assist me and the supervisor XXXX informed me there is no one able to assist me. Now, I will have no gas to get to work this morning and I may be assessed a late fee on my rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX of adverse action by XXXX from Westlake Financial advising me of denial of an auto loan applied for on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX Florida, over XXXX miles from where I live. This denial listed the reasons of too many work phone numbers and too many email addresses to approve the applicant. Neither which would apply to me. Knowing my credit has been frozen for a long time with fraud alerts due to excessive identity theft and I had not done any lifts any time recently, I immediately called the company listed on the letter, gathered all the information they could provide and checked my credit reports. Both XXXX and XXXX looked secure with no changes and no inquiries had been made. Neither had any freeze changes at that time either. XXXX, however, though no freeze had occurred since XXXX, showed a hard inquiry from Westlake on the date on XX/XX/XXXX. Westlake had advised that it was odd I had received this letter more than a month after the application and it had long been expired. The credit reporting company listed on this letter was one I was not aware of. XXXX XXXX XXXX XXXX XXXX Department in XXXX XXXX, CA. I located their contact information and immediately sent them an email to remove any information they had obtained on me and rescind any they had sent to other companies as it was obviously wrong by the absurd reasons listed on the letter and unauthorized recent of personal information on my XXXX report while under a freeze. I explained that I had NOT applied for any auto loan and I would be reporting this breach of privacy and data to the proper authorities. I received a response that was a request to call them. I declined and reiterated that I was under no obligation to communicate with them and had no knowledge of them or their business with me. The reply I received was borderline threatening and stated there would be an investigation and I was to be possibly notified pending the outcome.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt
Product: Credit reporting or other personal consumer reports

I sent a dispute via mail to Equifax for fraudulent activity that I noticed on my credit report. On XX/XX/XXXX I received that status updates from my dispute from Equifax. Equifax stated that the items in question were deleted from my credit file, but the problem is that they are still reporting the fraudulent accounts on my personal credit file. This is effecting my employment and housing status. Equifax failed to send me a re-insertion within 5 days, and also failed to delete the info. This is a consumer right under the FCRA. Equifax agreed to delete the following fraudulent info from my credit file : FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX FRAUDULENT ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both Equifax and XXXX  regarding XXXX XXXX Credit Card on both credit reports it is showing late payments for the months ofXX/XX/XXXXandXX/XX/XXXX 
I was not late on those months.
Product: Credit reporting or other personal consumer reports

Once again they have refused to investigate an error claiming they have already investigated it.. They provided me with a copy of my credit report including all prior investigations. The report they generated clearly shows there have been no prior investigations into any discrepancies. Any attempt at filing a dispute will result in an error stating no relevant information provided. I have screenshots of everything. They need to have charges brought against them for again refusing to investigate this entry on my credit report. I have provided them with proof that the account was paid off. They refuse to allow you to file and do nothing but give you errors. Phone calls to them get refused. Both my XXXX and XXXX reports are over 100 points higher than Experian because of the errors they refuse to investigate. You have multiple cases filed by me against them. EVERY SINGLE TIME A CASE IS ATTEMPTED TO BE OPEN BY ME OR IS FORCED TO BE OPENED BY YOU MY FICO CREDIT SCORE IS LOWERED BY THEM FOR XXXX POINTS. THIS HAS RESULTED IN MY CREDIT RATING GOING FROM Excellent TO FAIR. This has now been filed with you XXXX prior times. .All XXXX prior times resulted in my credit score being lowered by them for no relevant reason. There are and were no changes made to my credit report that would warrant my credit score to be lowered, You have done nothing to hold them accountable for willfully violating federal laws. At this point I plan to contact the Ohio State Attorney Generals office and see about filing charges against Experian and possibly this agency for failing to do your job.
Product: Vehicle loan or lease

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Credit Bureau is reporting inaccurate information on ALLY FINANCIAL. This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. ALLY FINANCIAL XXXX
Product: Credit card or prepaid card

Credit company is stating my card was closed in XXXX but I used my card in XXXX to buy XXXX presents. I made my payments in XXXX and paid off the card in XXXX and XXXX and paid an extra {$100.00} to have a positive account balance. I was never notified that my account was closed or that there was any issue with the account. Only mail I ever received was the account monthly statements. Account is closed so be it. All I'm asking for is the extra 100 returned. There was evidence of all this but now I'm locked out of my online account