23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

i filed a dispute and provided proof I opt out of XXXX XXXX, as well as Bankruptcy, does not report to the credit reports the accuracy of this reporting goes against FCRA as well as misuse of my personal information the company refuses to provide documentation to support this bankruptcy are indeed valid no written proof was provided. please refer to 1501 U.S. Code 1681 ( c ) 2, 1501 U.S. Code 1681 ( a ) 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX resides at XXXX XXXX XXXX and is a VETERAN of the United States XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX
Product: Credit card

My credit card account with XXXX Bank XXXX XXXX 60 days late in XX/XX/2020 after I had made arrangements to set up an auto payment from my account that they never initiated. I've attempted to dispute since the error happened. I was never late prior to the missed payment due to their error and have not been late since, however they refuse to remove XXXX late payment from my XXXX, XXXX, and XXXX credit report.
Product: Debt collection

I attended XXXX XXXX XXXX XXXX and i paid monthly payments for the XXXX.I withdraw from the school and was still being charge monthly, even though I quit.
Product: Money transfer, virtual currency, or money service

I used the XXXX feature on my chase app. I made a purchase through XXXXXXXX and the merchant did not keep their end of the bargain and scammed me out of my money. I reached out to chase regarding getting my money back but they say they have no control over the issue. And cant unfortunately give me my money back. I made the purchase via XXXX on the chase app on XX/XX/22. The transaction amount was {$140.00}. Chase has connected me to multiple people and none can help me. They state that the money had already be credited to the other persons account and can not reverse the transaction.
Product: Credit reporting or other personal consumer reports

i was a victim of idetity theft starting in the year XXXX and has still occured to the present day until i put a fraud alert on my consumer report as of XX/XX/XXXX i also have a police report to verify my identity theft.

the F.C.R.A ( 15 U.S.C. 1681s-2 ) STATES THAT FAIR AND ACCURATE CONSUMER INFORMATION MUST BE REPORTED SO ALL THESE UNAUTHORIZED ( HARD INQUIRIES ) SHALLL BE REMOVED DUE TO IDENTITY THEFT IF THE ( HARD INQUIRIES ) ARE NOT REMOVED THIS IS A DIRECT VIOLATION OF ( 15 U.S.C 1681n ) which holds the credit reporting agencies liable for complying with the F.C.R.A SO EXPERIAN, XXXX, XXXX ARE HELD LIABLE
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One balance $ XXXX Sent a check for total balance {$100.00} on XX/XX/XXXX, check # XXXX. 
Capital one claims they didn't receive the check and applied fees of {$25.00} On XX/XX/XXXX. 
On XX/XX/XXXX I travelled overseas to attend to my father in hospital having a XXXX XXXX. 
I returned on XX/XX/XXXX. 
On XX/XX/XXXX Capital One charged further {$40.00} to bring the balance to {$160.00}. 
I did call Capital One when I realised the charges on my statement and I explained that a final total payment was sent back XX/XX/XXXX! Can they fix their records as I just got notified by the credit Bureau about late payment. After long detailed conversation with Capital One explaining about the unawareness of the lost check payment, travel and insignificant amount not paid they still went on and reported the late payment a day later and damaged my credentials as if they didn't care! I find this action is harsh and unfair especially explanation offered when I was notified and settlement was made. Capital one damaged my credit by XXXX point down across the three credit Bauru 's. Capital one ignored the credit consumer protection bureau laws : Capital one has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681 Section 604a Section 2 also, states a consumer reporting agency can NOT furnish an account without my written consent finally under 15 USC 1666 b a creditor can NOT treat a payment on credit card account under an open consumer credit plan as LATE for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XXXX2017 Based on Equifax 's online tool, they believe my information was compromised in the recent hack. I believe my personal information is now insecure and I am susceptible to personality theft.
Product: Mortgage

Specialized loan Servicing, LLC/aka SLS are not posting our payments correctly they have us as missed payment and we have not missed any payments they had the mortgage increase every month
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to formally report two ( 2 ) fraudulent accounts appearing on my consumer FICO Bureau credit report, which I do not recognize. These accounts were fraudulently opened in my name and are the result of identity theft. 

The fraudulent accounts are as follows : Creditor : XXXXXXXX XXXX Date Opened : XX/XX/scrub> 2024, and XX/XX/scrub> 2024 Account Numbers : XXXX and XXXX These fraudulent accounts have led to multiple unauthorized hard inquiries and collections appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I formally request : The immediate removal of these fraudulent accounts, associated hard inquiries, and collections from all of my consumer credit reports. 

A cessation of all collection activities related to these accounts. 

Please investigate and take the necessary corrective actions promptly. If additional documentation is required, I am prepared to provide it. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

The account shows false information regarding late payment, this account was closed without debt and I never present a late payment. 

The account shows in the 3 credit reports different dates of late payments, where in Experian it shows that in 2021 in the months of XXXX, XXXX, XXXX and XXXX it had a late payment of 90 days, in XXXX it shows in the months of XXXX, XXXX and XXXX and in XXXX it shows that the times in arrears are totally different from the other 2 credit agencies
Product: Credit reporting or other personal consumer reports

Hello. I've sent in request to have old address and names taken off my report profile with XXXX, Exuifax and XXXX. They have failed to do so and I'm requesting to be paid for each penalty on each report at a rate not to exceed {$1000.00} each. Each incorrect name and address. I've sent in my photo id to avoid any complications and my request has still not been met. 
I am also including hard inquiries on my XXXX report that are legally not connected to me with any open accounts. XXXX XXXX ENQUIRYS ARE ACCURATE. All other inquiries need to be removed as soon as possible.file attached.
Product: Vehicle loan or lease

Spoke with Santander on several occasions about a payment extension. I made payments to keep up with my loan and then out of the blue no paperwork or anything from the bank they came and picked it up while I was visiting my son in another state. I live 15 hrs away. They repo man from XXXX XXXX who was hired by XXXX  was very ignorant and was screaming obscenities at me and my family threatening to kick our faces in and attempted to drive away after he told my son and daughter in law they could get what they needed out of the truck. This was all done without a court order. The guy couldnt even give us a reason as to why they picked it up.
Product: Vehicle loan or lease

I reached out to the company and asked if I can speak to the guy that sold the car to me come to find out the guy was fired because of fraudulent which what happened was I was not supposed to be the owner of that car so whatever information he sent to me was not the information that I was supposed to get which meaning the information that was supposed to give to me was only supposed to be me being a co-signer but with that being said everything was done over the phone and it was something that he did to release that car and I try and reach out they said that they fired him so I feel like I am not responsible for this car they had already came and got the car I reached out to them for them to come and get the car they sold that car far however much they want to sell it for and now they put it back on my credit so I've been trying to dispute this off my credit because I am not responsible for this and I've been disputing this for the last couple years can you please dispute this off my credit thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Accounts : XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Since XXXX, Diversified Adjustment Services continues to leave generic robocalls on my landline answering machine ( from a variety of numbers, changing the last XXXX digits ), stating that they are calling me for a debt collector, that I need to call XXXX, despite the fact that I do not have any delinquent debts. I have filed XXXX complaints with the " Do not Call Registry, '' since my answering machine clearly states that my number is an unlisted number, and is on the registry. I have also filed a complaint with the FTC. Last night ( XXXX/XXXX/16 ), they called again. So, I decided to try this. I recognize that debt collectors have a loophole to get around the " Do Not Call Registry '' ; however, that should only be for someone who may have a delinquent debt, and that the debt collector calls personally. This agency obviously does not know who I am, because the robocaller does not use my name ( because they do not know it because I have no delinquent debts ). If they think that they can scare/scam me into returning the call, that will not happen. ( because I DO NOT HAVE delinquent debts )
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an open account on my credit report I havent given them or anyone else to use my credit they need to remove this account immediately Account name : XXXX XXXX XXXX Fair Credit Reporting Act 15 USC 1681 section 602
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all this inquiries reported to my credit report by some one who has my info and try to open credit cards.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : KICKOFF /// ACCOUNT NUMBER : XXXX ( These accounts have violated my rights ). 
( These accounts have violated my rights ). 
( These accounts have violated my rights ).

15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XX/XX/2005, I took out a HELOC from XXXX XXXXXXXX XXXX. For a loan up to {$51000.00}. We did not spend or use that amount. We don't know the exact amount when the loan was sold to XXXX XXXXXXXX XXXX. Then the loan was then again sold another company and the amount kept increasing. When loan was transferred we never received any information, we couldn't get access to our account. It took approximately 10 years for them to file a foreclosure. With no contact between back then and now. From transferring the loans several times to current account. The amount has changes astronomically in numerous ways. Each company has a different amounts. We are currently in the process of refinancing the house but we need more time to stop the foreclosure. We are also trying to figure out how a HELOC loan such as ours can slip through the cracks and not get any information remotely close to trying to collect a debt years ago and going straight for foreclosure. Had we had proper notification we could have prevented this stressful situation and remained in good standing.
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 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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Mortgage

I am attempting to avoid a foreclosure sale. I have submitted a completed mortgage assistance package to my servicer - Wells Fargo Home Mortgage. I also have equity. Wells Fargo has not postponed the foreclosure sale because they prefer to take the equity from me and profit from my distress. I fell behind on my mortgage because of long and painful XXXX treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America- Account # XXXX XXXX XXXX XXXX I've had Bank of America for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ; Experian,   XXXX   XXXX   XXXX  . This is  Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting you this CFPB Complaint today because a lot of fraudulent infomartion are ind reported on my Credit File. Under the Fair Credit Reporting Act section 605b, I am asking you to please remove the disputed accounts and information off of my Credit File. I did not authorized any of these accounts. Also, some of these accounts were not being reported on the initial report I used to submit my first complaint. In accordance with the Fair Credit Reporting Act section 605b, I am demanding you to please remove the following accounts and information off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$5900.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. If you truly believe that the disputed items belong to me, I require you to please send me copies of documents supporting such claims. If you are not able to present me any documents, I prefer you to please remove the disputed items off of my Credit File as soon as possible.
Product: Student loan

Hello, I have several issues with Mohela but I'll stick with the major issues as of right now. 1. I filed to have my loan switched from XXXX to XXXX in early XXXX. They received my application on the XXXX of XXXX ( I thought early XXXX but I was incorrect ) but they have failed to switch my loan. I have called them several times, and the customer service people keep telling me that the switch should take 5 days, that they've " escalated this, " they don't know why it's taking so long, issue, '' but yet nothing has changed. The difference in payment is over $ XXXX and they've costs me several XXXX of dollars at this point. I moved to the XXXX plan because Mohela told me I wouldn't qualify for PLSF otherwise. I stayed on the plan for a few months, then spoke to XXXX, and they told me that this advice is false. This means that Mohela is hiring and training people who uniformly either don't understand PLSF or that Mohela has specific people who are providing incorrect information. Either way, this has cost me money. I have reached out to Mohela via email and phone and their response rates are terrible via email. I just received an email on XX/XX/XXXX regarding an email I sent on XX/XX/XXXX. The email explains that I should receive a response in 15 business days. This is an outrageous amount of time to wait for an email reply. They are basically saying that it takes them over a month to even acknowledge my email. I've never heard of a company needing over 2 months to respond to customers. I also contacted XXXX ( case # XXXX ) on XX/XX/XXXX and they have not responded. My case says pending and when I called to inquire about a timeline they said they do not have a timeline for the case manager to respond AND that they also don't have a timeline for when the Ombudsman will reach out to me. I am being defrauded and failed by Mohela and XXXX is also failing me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear XXXX, I am writing to dispute an unauthorized inquiry that appears on my credit report. I noticed the inquiry while reviewing my credit, having proof that my information was involved in a data leak, I know that these inquiries were made without my permission or proper authorization. 

The inquiries in question are as follows XXXX XX/XX/XXXX
Product: Checking or savings account

I am XXXX XXXX XXXX living in a XXXX XXXX XXXX called XXXX XXXX in XXXX, Illinois. Monthly, I receive through direct deposit, my three Pension Checks : 1. Social Security Administration Pension 2. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX IL XXXX XXXX ) These funds are taken from my Account at Huntington Bank from the XXXX XXXX XXXX  through ACH, XXXX pays the remaining bill. 
My son XXXX XXXX XXXX is on my Accou0nt as a beneficiary and has my Power of Attorney for Health and Financial dealings. There is a freeze on my Account and I can't pay for my living expenses. Insurance and living expenses. This freeze occurred around XX/XX/2022. My son XXXX XXXX also has an account here and is a senior receiving federal protected benefits like myself. His Account is also frozen.