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

This is my follow-up 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 accounts 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 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 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 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

I submitted a Dispute at the hard inquiries on my credit report from banks and creditors I did not apply for.. 
I have disputed the information twice and only got one response, which they refused to furnish any viable proof of this inaccurate information According to the ( FCRA ) section 611 and 609 .... 
The reporting agencies are supposed to furnish the original instrument barring my wet ink signature or any contact that I have signed.. 
They never furnished any proof according to the guidelines of the ( FCRA ) In addition they never showed proof of any investigation or their methods of investigation which I am entitled to
Product: Mortgage

In XX/XX/XXXX I applied for and was approved a HELC Loan, last month XX/XX/XXXX I made my final payment. Due to the min monthly interest having been automatically drawn from my checking account a day before my final payment from an external source came through, a credit balance of XXXX. I have contacted the bank on several occasions to determine why to this date XX/XX/XXXX my money has not yet been refunded back to my checking account. Initially I was told the refund would occur within 5 business day, then was told a secondary communication to the appropriate department would prompt my refund. The following time I called I was told " We never refund HELC money until the " End Of A Cycle '' i.e. XX/XX/XXXX. However to this point XX/XX/XXXX STILL NO REFUND? I feel as though I am being given a run a round, please assist me in this matter. The name of the financial institution is BBVA Compass Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is Reporting inaccurate information in my credit report. For the Auto Loan they are reporting to Transunion I was 30days late 12 times/60days late 6
times and 90 days late once. They are reporting to XXXX I was 30 days late 19 times/60 days late 11 times and 90 days late 2 times/ To XXXX they are reporting 30 days late 12 times/ 60 days 6 times and 90 days 1 time/ they are also reporting inaccurate dates of Last Payment. to XXXX last date of payment is XX/XX/XXXX but to Transunion the date of last payment is XX/XX/XXXX and to XXXX date of last payment is XX/XX/XXXX. If these dates are all different and nothing matches this is a big discrepancy. They don't know if I was late or not because they don't have an accurate date of last payment. It also states it has never been disputed when it has several times.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to inaccurate and negative accounts reported on my credit report. I have previously disputed these accounts directly with the credit reporting agencies, but they remain on my report despite lack of permissible purpose under 15 U.S.C. 1681b. Attached are my FTC Identity Theft Report and my dispute letter, which detail my concerns regarding unauthorized entries and violations of the Fair Credit Reporting Act. 

The reported accounts have caused financial and personal hardship. I am requesting the CFPBs assistance in removing these inaccurate items to ensure compliance with the Fair Credit Reporting Act and to restore my credit to its accurate state. 

This statement outlines the key details and references the documentation youre providing. Make sure to customize any specific details or add any further grievances specific to your case. Let me know if youd like any additional edits!
Product: Debt collection

I called Transworld System and requested the original signed contract. I never received it. I never stayed anywhere other than my home, I purchased in 2013. This is not my debt and I don't owe this. I have been a victim of identity theft and my have been credit breached.
Product: Student loan

In XX/XX/XXXX, I was advised by XXXX XXXX that I had completed 58/120 loan payments for the Public Service Loan Forgiveness ( PSLF ) program. This was upsetting because my calculations indicated that I had completed 85/120 loan payments. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( # XXXX ) and requested a PSLF Review Payment Tracker ( " Payment Tracker '' ). I was advised it would take a minimum of 90 days. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised it is now taking six months. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised that they submitted my original review ( XX/XX/XXXX ) to an email folder and requested that it be expedited. Furthermore, XXXX advised me that it appeared that the processor forgot about my original request. During this call, I also requested that XXXX XXXX REMOVE the improperly credited service with the Department of Forestry they had RANDOMLY credited me with. I was advised that request was granted and completed immediately. 

On XX/XX/XXXX, I called FedLoan Servicing and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised it would be completed in 15 days. I asked to speak with a supervisor. 
I spoke with XXXX ( XXXX ). She advised me that my Payment Tracker request was not processed last year and now they are using a new system as of XX/XX/XXXX. Therefore, the review take six months. 

On XX/XX/XXXX, TWO YEARS after my original phone call, I spoke with XXXX ( XXXX ) and his supervisor XXXX ( XXXX ). I was advised they had not completed the payment tracker review, and they really had no timeline as to when it would be completed. XXXX advised me it would " get done when it gets done. '' Such utter and gross incompetence in the federal government is infuriating.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a past due balance reported on a closed chargeoff account. 
CAPITAL ONE # XXXX All 3 credit bureaus not reporting accurate balances. FCRA rules state all 3 should accurately be reporting across the board if it was recently investigated. 
High Balance : XXXX {$12000.00} EXP {$0.00} XXXX {$12000.00} They are reporting multiple CO remarks to my payment history after date of last activity. 

All 3 bureaus also failed to update the Creditors Remarks Section to being investigated I am attaching a copy of my most recent credit report
Product: Mortgage

XXXX XXXX XXXX were my mortgage company but they turned it over to Greentree Servicing, these are some very rude and uncaring people, they have no training not even the so called Supervisor. If your mortgage payment is XXXX day late, they will try to harasse you into making a payment over the phone which is a XXXX fee then they will tell you that they will waived the XXXX fee but they do n't, after you questions the charge they tell you that their Supervisior forgot to remove it but they never refund you. My mortgage payment was 13 days late I informed the lady that deals with my account that my payment was mailed 5 days ago I asked her to wait until tomorrow but she told me that I should do a short sell because me and my husband were a sad case because we could not pay such a small mortgage payment, she went on and on with many insults and hung up the phone while I was talking. Something must be done about this as a consumer I feel like my hands are tied because this has been going on and on.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several names listed on my credit file that are not accurate or me and items that do not belong to me listed on my credit file. I have tried to clean this up myself and getting no where. Please help My name is XXXX ( XXXX XXXX XXXX ) last name XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Unknown items listed XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX   {$200.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$180.00} XXXX  XXXX Pleaes help me get this matter cleared up
Product: Credit card or prepaid card

I received a Capital One credit card in the mail. I did not apply for the card it came without my knowledge of its existence. I have tried 4 different times to cancel the card with Capital one and they refuse to cancel the card and even refuse to transfer me to a supervisor.
Product: Credit reporting or other personal consumer reports

Account number XXXX with XXXX XXXX was charged off in XX/XX/year>. 

This account should no longer appear on my credit report. However, the company XXXX XXXX continues to report historic information to my credit report. 

I have attached the original document which shows this account was charged off in XXXX. The same account number is now reporting as XXXX XXXX on my credit report. 

This historical information reporting has tremendously lowered my credit score and created a hardship for me when applying for new credit. 

The F.C.R.A holds creditors liable for {$2500.00} per unintentional violation and {$7500.00} per intentional violation. 

Dispute numerous disputes XXXX has fail to investigate and continuously allowed this company tarnish my credit report. 

I am requesting {$7500.00} for the stress and financial damages inquired due to XXXX 's negligence and failure to update my credit report properly and in a timely manner. 

I also demand XXXX to remove this account from any credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have updated information on an open complaint with Experian. The complaint # is XXXX. Experian has violated my consumer rights. They have responded that they have concluded their reinvestigation without providing me with the description of the procedures used to determine the accuracy and completeness of the information allegedly verified and without doing an investigative consumer report. 

The disputed information being reported is identity theft. On XXXX Experian received the following documents by certified mail with a green return receipt. My police report with the FTC ; my notarized identity theft affidavit with a XXXX copy of my driver 's license, social security card and mail for proof of address ; a letter with my written instructions for the accounts that are reporting on my consumer reports which I did not consent to authorize nor benefit from. They emailed me on XXXX that they do not accept my police report that was filed on XXXX with the FTC. They emailed me on XXXX with the updated dispute results reporting the information verified on my consumer reports. These actions violate my consumer rights under the FCRA and are causing me harm. I have attached a copy of the police report that was filed with the FTC with a copy of the certified green return receipt signed by Experian. I have also attached copies of Experian 's recent responses.
Product: Credit reporting or other personal consumer reports

Experian dispute NCA has two collection items not mine and no knowledge of these accounts. XXXX XXXX XXXX no way these accounts are mine. They refuse to remove and have given me no itemized statements, payment history, transactions, or a signed contract..
Product: Credit reporting or other personal consumer reports

A XXXX ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Karma and XXXX violated FCRA by stating an account is closed when it is not
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 609 letter to TransUnion asking for original documentation of verification of 4 items on my credit report. This letter was mailed via certified mail with tracking on XX/XX/2022. The letter was received on XX/XX/2022. ( Mail receipt tracking number through XXXX is XXXX ). 

On XX/XX/XXXX, I received a response from TransUnion, which they issued on XX/XX/2022 saying that their investigation results prove that all information is accurate for all four accounts I inquired. They did not include any original documentation, they did not include any description of procedure used to determine accuracy and completeness of investigation. They did not include any names, address or phone numbers of persons contacted regarding each account to verify information, and no other original forms, with or without signature, were presented to verify their investigation. 

On XX/XX/2022 I responded to TransUnion with another letter, asking for proof and method of investigation, asking for the documentation listed above. This letter was received by TransUnion on XX/XX/2022 via certified mail XXXX tracking number XXXX. I also asked that if they were not able to provide proof within 15 days, in compliance with my rights with the FCRA, that these 4 items be deleted off my account immediately. 

On XX/XX/XXXX I received a letter from TransUnion stating " Our records show that we previously completed an investigation of the below items, and the data furnishers verified the information on your credit file. '' There was no further documentation proving the method of investigation, or any original documentation to back their investigation findings. 

According to the FCRA, TransUnion is in negligent non-compliance with the FCRA, and are required to delete the four items which they were not able to show proper verification on. They are refusing to show proper verification, and are refusing to delete these items.
Product: Credit reporting or other personal consumer reports

I have already disputed it with all three credit its only still on XXXX and Equifax i know that everything should match up across all three credit bureaus XXXX have already deleted it off my credit profile so that means its need to be removed off the other XXXX because its not right i have added the police report and XXXX XXXX  paper
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I received a notification from XXXX XXXX that my credit had a hard inquiry by XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX through Equifax. I logged in and looked at the inquiry. I filed a report disputing this hard inquiry I did not authorize. I have no business dealings with XXXX XXXX XXXX whatsoever, so they have no authority to run a credit check on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the fraudulent items on my Credit Report from XX/XX/XXXX to XX/XX/XXXX by sending dispute letters addressed to the Credit Bureaus. But despite all my efforts to correct my Credit file, the Credit Bureaus seemed to enjoy not giving a XXXX about my Dispute and my Credit File. The Credit Bureaus are given ample amount of time by the Federal law to conduct their investigation and remove the items that resulted due to Identity Theft. I am submitting this complaint to remind the Credit Bureaus that they are required to remove the items I am disputing since these resulted due to the crime. They have failed me before and I was tempted to take legal actions against the Credit reporting Agencies but I will be kind enough to give them a couple more chance and correct my File under each Respective Bureaus. I am utterly frustrated to see that despite all my efforts, the Credit Bureaus have become negligent of the FCRA regulation, my appeals, and their utmost duty to report accurate only information on a consumer 's Credit File. Once again, the items I am disputing were the result of the Identity Theft and must be removed immediately in accordance to FCRA regulations : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed ; {$4300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX/XXXX/XXXX  XX/XX/XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, my grandson requested {$350.00} thru cash app. I accepted the request and sent the funds. An unauthorized person hacked my grand son 's account for {$250.00} and then {$100.00}. Cash app kept telling me to refer to his bank to verify where the funds went. My grandson is XXXX y/o and does not have a bank account. After 37 emails, cash app refused to give a refund and could never identify where the money went.
Product: Student loan

I entered to Public Service Loan Forgiveness Program and my loans were transferred to XXXX XXXX to XXXX XXXX. I have been under an IDR plan and pay approximately XXXX $ a month. In XX/XX/2018 I was re-certified. when I switched to XXXX I got a letter saying nothing will change but that my student loans got transferred. Suddenly, this month I was charged {$2000.00} by XXXX. I was not notified of any change. When I went to the website, they stated they did not receive all of my IDR papers, even though I did this months ago. I was never notified about needing to submit additional papers. A small portion of my other loans were transferred for a different servicer and there was no problem with my IDR plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Vehicle loan or lease

I bought a car from XXXX and was financed by American Credit Acceptance,  which they do not use anymore and wouldn't tell me why. I have been paying on this car for a year and some months. I discovered when asking for help with my bill, that I am paying {$17.00} a DAY interest. My car was for, say {$23.00} grand and they are charging {$20.00} grand to finance it. I did not realize that I would be paying on this car for ever under what is called a simple loan at 25 % APR, which I couldn't come up with {$16.00} and is more now. I have missed payments and is currently behind now, but I researched my account only to find out that, even when I paid on time NONE OF MY PAYMENT WENT TOWARDS MY PRINCIPLE. I don't understand! Now I've gone from 60 payments left to 65 and {$23.00} grand to {$25.00} grand I am trapped and American Credit Acceptance told me I can pay {$75000.00} for this car, becuase there isn't a ceiling on the interest or payments they can take from me. Even when I get caught up and pay on time. I've had a lot of cars, but I have never experienced any deal like this and I read that the interest may not be legal in the state of Ohio. What can I do. I don't have credit to get a new car, I want to pay this one off, but at {$650.00} a month and nothing going to principle, I can't go on like this. Something is not right here!
Product: Checking or savings account

I had a checking account at wells Fargo and was treated horrible with feeds for overdraft and services
Product: Checking or savings account

I am XXXX Wells Fargo told me to send in a notarized letter stating what I need done for the POD to put my son on my account upon my death. I had to get a notary to come to my house. Because I am XXXX XXXX and can not go into a Wells Fargo branch. It Cost me {$50.00}. I've sent a letter back to them. And they sent me a application to Sign for both of my accounts. Checking and savings for my son to be put up there. It's been over 2 months and it's taken too long. Tomorrow 's not promised to me and they need to do a job
Product: Checking or savings account

I was paying direct deposit {$20.00} a week ok an account that was overdrawn. One day woke up my whole account was gone didnt give me a warning or anything
Product: Checking or savings account

Today on XX/XX/2023 I received a text message from XXXX that said the following, word for word, incorrect capitalization included : " MTB : Your request to close your account will be processed in 24 hours. if this was not you, Kindly REVALIDATE HERE XXXX '' After some googling, it appeared they were referencing an account with M & T Bank. I do not have an account there, but I called their customer service to be certain, and I don't. The XXXX XXXX redirects to a very suspect different address and login page. Just wanted to report this.