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

XXXX XXXX incorrectly listed an account in my name as 30 days past due. XXXX XXXX fixed the error, and notified the Credit Reporting agencies that is was fixed. It it still showing as a recent past due account and affecting my credit score and ability to get a good rate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX I closed my XXXX XXXX Account at XXXX, I've filed a dispute with Transunion because on XX/XX/XXXX I noticed that the account status for the XXXX XXXX XXXX  is shown on my Transunion Credit Report as open with a {$58.00} balance, this is a violation of FTC Section 807 False & Misleading Representations and inaccurate Credit Reporting, the true status of the account is closed, I don't owe XXXX XXXX any money, XXXXXXXX XXXX actually was over paid by XXXX XXXXby allowing this false information to remain on my Transunion Credit Report XXXX Transunion itself is violating FTC Section 807 , both XXXX and XXXX Credit Bureaus have posted the correct information.
Product: Credit reporting or other personal consumer reports

I am filing this rebuttal to XXXX XXXX ' response to my initial complaint regarding the inaccurate and unauthorized reporting of XXXX XXXX XXXX  on my credit report. XXXX cited my Master Promissory Note ( MPN ) as their basis for reporting, but this does not exempt them from compliance with the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). They failed to provide documented proof that I authorized the release of my personally identifiable information to credit reporting agencies. I request a full investigation and immediate removal of the disputed accounts due to non-compliance with federal laws.
Product: Mortgage

I changed insurance providers on XX/XX/XXXX. Amerihome was sent policy. I sent to emails to company notifying that insurance provider changed. I initiated refinance in XXXX and told loan officer of change. Slow process with long delays despite my constant calling the loan officer. Refi moved to processor. Constant delays with vague description. Closing set for XX/XX/XXXX. XX/XX/XXXX I received call from loan processing assistance telling me I did not have home owners insurance. Agent sent policy to person on XX/XX/XXXX. I can provide multiple times policy was sent to Amerihome. AND, if I had no insurance, I am confident Amerihome would have slapped a high cost policy on my home. Amerihome denies any communication about the change despite being told my previous policy was cancelled and they are holding escrow funds. They ignore my emails notifying of change. They say first they heard of change was XX/XX/XXXX. Still no insurance payment. Attempted multiple times to speak to someone in escalation but never get there. After hour long call, I was disconnected. I was promised if faxed this morning it would be updated and paid. I seriously doubt any promise since everything else I am told has not been accurate. I am sitting in my home with a cancelled insurance policy wanting to refi which was supposed to be so easy since it was with same company. I am so angry and frustrated that I can barely listen to one more person telling me there is no documentation in the file. I have been changed late payments waiting to close loan. I have tremendous anxiety that Amerihome is saying I have no insurance coverage. As I explained to last person today after more than a hour on hold and talking with customer service reps that do nothing but tell me to fax documentation. NO ONE IS LISTENING TO ME!!!! I have filed complaint with XXXX  and if I do not get action immediately, I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report without any authorization XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXXXXXX XXXX  Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681bXXXX permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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

After I reviewed my most recent report I found an items that I have never applied for nor have any communication. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. Be aware that this is an attempt to a violation of the federal law under FDCPA 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX has violated my rights. 

15 U.S.c 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I have received a notice from Bank of America that I tried to open an account and was declined. I did not try to open an account and I have been trying to get in touch with Bank of America to determine if someone is fraudulently applying with my information, but it is impossible to reach them. They won't let you talk to customer service unless you have account details, and since I don't because the application was fraudulent it is impossible to reach them. They need to give me information so I can know if my identity has been stolen or not.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App

( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal, Texas Laws, and Louisiana FCRA Identity Theft Fraud Laws Dear CCM FINANCE LLC, I am writing to bring to your attention a concerning matter involving the unauthorized reporting of information to my credit report, which contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, I wish to highlight relevant provisions in the Texas Finance Code under Sections 392.301 and 392.305, as well as identity theft fraud laws, particularly Louisiana FCRA Identity Theft Fraud Laws. 

It has come to my unequivocal attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA, a federal law, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In conjunction with federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code provides clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Louisiana FCRA Identity Theft Fraud Laws, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CCM FINANCE LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially causing damage to my creditworthiness and demonstrating a disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws, including those outlined in Louisiana FCRA Identity Theft Fraud Laws. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft fraud laws in Louisiana. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CCM FINANCE LLC will promptly rectify these egregious violations, respecting my rights under federal, Texas, and Louisiana laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect/ fraud information Identity theft XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX   XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
Product: Student loan

Navient Changed the Loan terms by changing the payment schedule without my consent. They also scrubbed the payment history so that there is no proof of past due payments.

Included in their loan letter was a new payment schedule with lower payments, that I believe extend the payment process to milk the interest payments.

The following note was included on the change in loan term letter : " This repayment schedule replaces all previous schedules for the loans and doesnt include any Past Due Amounts. All terms of your original Promissory Notes remain in effect. '' I feel that Loan servicing companies either sell your loans or change the loan terms to keep everyone paying for much longer than originally agreed upon. Every time the loan terms are adjusted, so is the schedule and the amounts allocated to each payment and while the payments usually get lower, the time frame gets extended well beyond the original XXXX  year time frame. 

Even if you pay more than the minimum, they make it difficult. You have to manually adjust the autopay, which then somehow takes XXXX business days to go through and then you have to go to another hidden menu to make sure you set your Allocation direction for Overpayment. If you don't specify that you want your overpayments to always be for the full Monthly Payment Amount, and that your payments should continue to be deducted monthly, they will default to the option where they Advance the due date by the number of payments that are covered by the overpayment.

Here 's an example of the vicious cycle changing loan terms create : XXXX XXXX XXXX collects loans per the provided schedule. This continues for XXXX years. XXXX XXXX sells said loan to XXXX XXXX XXXX, who changes the payment terms and requires lower payments with a schedule that is for XXXX  years. This goes on for XXXX  years, but XXXX XXXX XXXX decides to randomly change the loan terms with even lower payments and new schedule to last another XXXX  years. etc. 

What happens is that the original loan, which was on schedule to be paid off in XXXX  years has been milked by XXXX servicers for XXXX years. 

Help! I'm tired of this cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Equifax several times to have an accurate report. Unfortunately they insist on reporting wrong information. Please help me. At this point I am having trouble getting credit balance is shows. Again I have made equal aware of this for over a year and they insist on making it hard for me to get credit knowing because of it I am struggling with my business. They are doing this on purpose because I have made them award several times and now they are duplicating collection accounts so it shows my credit is very bad.
Product: Debt collection

A representative of " southwest credit XXXX '' in XXXX Texas continues to call and tells me I have outstanding debt. They state my current home address isnt what's in their file. I tell them to send a letter to my current address then. Clearly the name and phone number is verified but they state I, I have to verify more info before they will discuss- it's " company policy ''. They want more personal information but wont discuss what's owed nor who is owed. They refuse to send a letter to my current address until I give them more personal information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$56000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a loan with navy federal credit union bank for {$24000.00}. I noticed because i got alerts from all three credit bureaus. i opened a case with the police as well. United states postal office.
I have no knowledge of this account. I have never received any information on this account to my home.
Product: Credit card or prepaid card

I have a PNC credit card with a {$250000.00} limit with autopay turned on to pay the full balance every month before the due date. This last month the balance was over {$100000.00} however their online system only allows a payment up to {$99000.00}. This required a second manual payment to be made. Of course I find out about this after the due date. PNC then charged me {$2800.00} finance fee and a {$49.00} late fee. I spent 1 hour on hold with them, and as of yet they have not refunded the money. I would like my money refunded.

I also believe that there is fraud going on with PNC and their autopay system. How can you give me a {$250000.00} limit and then set me up on autopay, but not accept autopayments over {$99000.00}? When I called, the manager said that I could have made an additional manual payment over the phone or mailed it, that seems silly to me when I have autopay already set up. How can a bank like PNC not have a payment system set up or larger payments? 

I attached the statement for you to see. ( They also charged me interest on the whole amount, even though the majority of the balance was paid on time )
Product: Debt collection

There is a collection reporting on my credit file with hunter Warfield for an apartment complex. I do not owe the money they are indicating. I was on a month to month rental paying an additional {$200.00} a month for going month to month and I gave written notice when I moved. This apartment complex has changed hands several times so that may be where the mix up occurred but regardless I don't owe anything to either company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 US-CODE XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX  Please update- All New Reporting Information to- paid as agreed and current
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1300.00XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX  XXXX  XXXX Balance : {$37000.00} XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1300.00} XXXX XXXX Balance : {$6300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX Balance : {$6900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to the previous Complaint I recently sent to request the removal of the unauthorized inquiries reporting on my Credit File. Upon reviewing my records, I have come across several inquiries that I am unfamiliar with and do not recognize as my own. While I am unsure whether this constitutes identity theft, I believe it is crucial to address these discrepancies promptly to ensure the accuracy and integrity of my credit profile. I respectfully request that the following inquiries be immediately removed from my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to ensure that any unauthorized and unfamiliar inquiries and information are promptly removed from my credit file.
Product: Credit reporting

I have inquiries that were previously deleted that have now showed back up on my credit report for the following companies due to an error. XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX jeep XXXX/XXXX/XXXX. These showed back up on my credit report with no prior notice as required according to FCRA. Please have these removed from my credit report as they were previously. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX : {$1100.00}