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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to delete immediately : ACC-Date of inquiry XX/XX/2021 XXXX  XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I cleared the entire balance with XXXXXXXX XXXX XXXXXXXX XXXX card, issued by Comenity Bank XXXX days before the due dates. Talked to the customer representative and was promised that the amount listed in the total balance is the total amount. 

Two weeks later I checked the online account and was surprised to see {$58.00} and some cents charges. I called the bank customer service and talked to two people, a customer service and a bank manager. They both said the bank policy is to charge two months in rear interest. They will not waive the charges.

I have canceled my credit card with Comenity Bank. Although it is not a large sum of money, I believe it is inappropriate for the bank to charge me two months of interest in the rear.

I would appreciate your help. 
Regards,
Product: Student loan

I am filing this complaint in response to the closed CFPB complaint # XXXX. This complaint was closed XX/XX/XXXX without resolving the issue for which I filed the concern. 

Although my payment count updated to XXXX for my Direct Consolidation Loan disbursed XX/XX/XXXX, this count is not accurate. All of my employment certification is on file for the appropriate months from XX/XX/XXXX to XX/XX/XXXX. Mohela 's response states " The approved employment in the table above, compared with your eligible payment periods, yields a qualifying payment count of XXXX for your Direct Consolidation loan '' ; this is not an accurate count. There is no information currently reflected for the months of XXXX XX/XX/XXXX. As mentioned above, my employment has been certified for this timeframe. My payment tracker is therefore missing 26 qualifying months. 

I am asking again for : 1. An accurate updated payment count. This count will reflect the missing months of XXXX XX/XX/XXXX. 
2. Written Confirmation that I am at 120 payments, and the date/month that I reached 120 payments, making me eligible for forgiveness 3. Written confirmation, including the date, that my information has been sent to the Department of Education, initiating the forgiveness process
Product: Debt collection

Northstar Location Services is trying to collect on a debt that I do not owe to them. I've never heard of this company, I've never done business with them, and they have no provided any validation of this alleged debt. Please let this notice serve as my formally disputing the debt, I've also attached a copy of a letter that was sent to them. 

Thanks,
Product: Vehicle loan or lease

On XX/XX/2023, I went to finance an auto at a dealership. I was already pre-approved from a certain lender ; however, the dealership ran my application to other lenders. Stellantis Financial Services , Inc. was one of them. Bank XXXX XXXX immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCKED AND DELETED COMPANY INFORMATION TRANSUNION LLC, XXXX, AND XXXX. SOCIAL SECURITY NUMBER XXXX, D.O.B. XX/XX/year>, NAME : XXXX XXXX XXXX. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I saw an ad on XXXX selling concert tickets so I messaged the account on XXXX. We agreed to {$150.00} each for XXXX tickets and {$30.00} for a parking pass. The accounts name was XXXX XXXX. The email provided for XXXX was XXXX, and the name on the XXXX was XXXX XXXX. They said it should take a couple hours for the XXXX direct transfer to reach my inbox. After a few hours I did not receive any such email and tried to message again, however the account had blocked me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a bank account opened at XXXX XXXX under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I will also list hard inquiries, addresses, and names in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

Hard Inquiries : XXXX  XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Addresses : XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned names, accounts, collections, and hard inquiries as reported. The aforementioned names, accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by be. All of the aforementioned names, accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned credit report names, accounts, collections, and hard Inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I checked my credit report and I noticed a vehicle loan was on there that does not belong to me and I have no knowledge of. I was a victim of identity theft and I filed a police report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the correction of the account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} that has been erroneously reporting on my Credit File. This account is reported as a charge off account and yet it has been continuously reporting an alleged balance of {$810.00}. I do not know that much but for all I know Charge off accounts should report a {$0.00} balance. I have been frequently requesting that the Credit Bureaus remove the balance and change it to XXXX but the Credit Bureaus have been stubborn with their claims. Also, I have been requesting the Credit Bureaus to provide me copies of proof of verification since they have been reporting this account as verified in which I strongly disagree. I am now submitting this CFPB complaint to request to the Credit Bureaus that they either remove the balance and change it to XXXX or completely eradicate the disputed erroneous account from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name.

I am a victim of identity theft and did not open this account.

I am a victim of the Equifax data breach.

State issued ID have been compromised and my social security has been compromised.

My postal mail was being forwarded out of state where theft of my personal information took place.

I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Product: Credit reporting or other personal consumer reports

I submitted proof to experian for past year, it was proven the information was wrong, and it was continuously reported for two years, under the carmax account, which after two years of incorrect reporting of payment history, balance and status of the account, XXXX allowed XXXX to update information after reporting incorrect information for two years. XXXX has now stopped me from online reporting and using my account to dispute XXXX account, and each time I submit more information, the response is provide more information or can not dispute this account. I am not able to log in and dispute this account under XXXX, they have stopped me from disputing under my account, and continued to reject any of my disputes for XXXX and the only response to my dispute, XXXX can not accept my dispute and refuse to my account under dispute or properly make any changes. In two years, one change was made after I proved the information was reported inaccurate for two years, which gave proof the reporting was incorrect for two years, and the account was lawfully to be deleted, however after two years of illegal reporting, XXXX was allowed to update instead of deleting and the remainder of the disputes have been rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens ( Mo ) 281 Sw 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

You have 5 business days to remove the said account XXXX XXXX I have no account number for reference.
Product: Checking or savings account

I had a savings account with Chase Bank & they closed my account due to no activity that I was unaware of. After the date of " closed account '', I still had access to savings account on my online banking. I was able to transfer money to & from my savings from my checking account starting XX/XX/2020. I had {$5400.00} total in savings account before issues started to occur XX/XX/2020. 
XX/XX/2020 I made a online transfer of {$400.00} from my savings to my checking account & the next day Chase took back that {$400.00} which put my checking account negative. I called customer service & was told to go into the branch. I spoke with the branch manager about the {$400.00} taken back from me & at that time was informed that my savings account had been closed since XX/XX/2020. I showed the branch manager on my online banking that I had a balance of {$5000.00} in my savings aside from the {$400.00} I transferred out that they took back. 
The branch manager used my phone to transfer the remaining {$5000.00} from my savings to my checking account & said he would work on recovering my {$400.00}. A few days later the bank took the {$5000.00} as well. The branch manager then filed a complaint with the branch complaints escalation group for the missing funds. 
Days later I received a call from a lady in that complaints escalation group stating my savings account had been closed since XX/XX/2020 & that there was a glitch with online banking allowing me to still transfer money to & from savings account. I went through my account statements with her, as I did the branch manager, showing my transfers from my checking to my savings & that money was deducted from my checking & those transfers never bouncing back, the money was successfully transferred into savings. Three chase managers now have told me this is something they've never seen before, yet chase bank hasn't returned my missing {$5400.00} to me & says they don't know what to tell me.
Product: Debt collection

I received dental work on XX/XX/XXXX, at XXXX XXXXXXXX XXXX. At that time they a submitted an invoice to my insurance for that work. Based upon the data that the collection agency sent to me, I had a balance of {$130.00} after insurance payment and insurance adjustment. According to my EOB they were sent a check from the insurance company. In XX/XX/XXXX XXXX XXXX then tried to resubmit the same bill to insurance and were denied. As you can see, based on the data from the collection agency, they then added the insurance payment ( {$290.00} ) and insurance adjustment ( {$270.00} ) back to my account in the negative. Once they added that to my balance, they called me and told me I didnt have insurance at the time of service. Now that I have submitted a complaint to CFPB they changed their story and said it is for multiple dates of service. As you can clearly see, they tried to recharge me after insurance already made a payment. I personally paid them {$220.00} in XX/XX/XXXX. Based on their own records in my EOBs I am older refund of {$87.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For about a year now, we have been disputing incorrect information that was being reported and still is to the credit bureaus, that we later found out was very negative information to have on a XXXX XXXX XXXX. That information occurred after our mortgage loan was sold and transferred to XXXX XXXX XXXX ( XXXX ). All the previous mortgage servicers reported the year of the loan as 30 year. XXXX immediate reported the loan as being a 50 year or 600 month, to it most recently being a floating term of 603 months. We did not pay much attention to this change until a mortgage refinance company after trying to apply, told us that by having that number XXXX on our loans XXXX XXXX gives our loan a very bad status. The same happened with a second mortgage refinance operation, that said that number should not be associated with our loan and it would be dangerous to move forward and not get that number corrected first. So in the many attempts to get this corrected, XXXX explained how they got to that number ( see attached ). We later were told to once more request from them the documents used to make that determination, and they replied that they used our 40 year loan mod, but then used another method to combine the Note and the Loan mod to get a 50 year number. We provided this information to our help and they then asked us to have the credit bureaus provide the documents they received that supports " the alteration of signed contracts without consent '' - they explained that the terms of a loan document can not under any circumstances be changed without writing consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

BEFORE XXXX XXXX  I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM OF IDENTITY THEFT IN WHICH XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX IS REPORTING A NEGATIVE BALANCE OF {$22000.00} AUTO LOAN THAT IS NOT ME AND THE XXXX XXXX XXXX ALSO CONFIRMED I WAS VICTIMIZED. AND TO FILE A CLAIM, US DEPT. OF EDUCATION HAS A SCHOOL LOAN THAT DOES NOT BELONG TO ME WITH A BALANCE OF {$12000.00} XXXX XXXX XXXX IS REPORTING A BALANCE OF {$460.00} THAT DOES NOT BELONG TO ME. 

PER TITLE 15 SUBSECTION 1628 A THROUGH Z FCRA I AM A VICTIM OF IDENTITY THEFT AND TO PLEASE REMOVE THESE NEGATIVE ITEMS AND INQUIRIES BECAUSE MY CREDIT REPUTATION HAS BEEN DAMAGED AND CAUSING ME GRIEF TO NOT BE ABLE TO OBTAIN ANY FORM OF CREDIT IN MY NAME.
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 deleted 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 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

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX  XXXX
Product: Debt collection

I requested large print in all correspondences, Chase has refused to provide anything in large print and instead sent things in braile. 
Each time I try to request large print I get hung up on. 
I have been making this request for several months since I lost online access.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute an item on my credit report that I believe to be an error. The item in question is as follows : XXXX XXXX. 

Nature of Dispute : Unauthorized Inquiry I did not authorize the inquiry by [ XXXX ], which is reflected on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only authorized inquiries are reported on my credit file. 
I kindly request that you investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please provide me with written confirmation of the actions taken to rectify this error. 
I understand that the FCRA mandates timely resolution of disputes. Therefore, I request your immediate attention to this issue. 
Thank you for your assistance in resolving this matter. Please send your response to the address provided above.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, 2 XXXX XXXX XXXX Accounts Ending in XXXX and XXXX XXXX XXXXXXXX Account Ending in XXXX, Has 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 as a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am reaching out to express my serious concerns regarding errors in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, billing inconsistencies, and accounts that do not belong to me. These errors are affecting my financial stability, and I require your immediate assistance in resolving them.
Product: Mortgage

At the end of XX/XX/2020, I was granted a 3 month special forbearance with my mortgage company due to losing my job throughout the COVID Pandemic. The forbearance included XXXX, XXXX, and XX/XX/2020. 

Several times, we have tried to contact the company to obtain information on the status of the mortgage and even made a payment on both XX/XX/XXXX, and XX/XX/XXXX in which they returned the XXXX payment. 

In the last 3 months we have attempted to reach the company to discuss our options and when we get to the prompt to speak to someone, we are disconnected every single time, up through today. We email the number provided on our statement and it came back as undeliverable. 

They received a payment in XX/XX/2020 but have not applied it. They returned a payment and are now sending us demand letters for payment in full, we try to pay it online and are unable to do so, as it states " this loan has a payment stop '' which prevents us from paying, and we called in to pay over the phone and are disconnected. 

They reached out to me in XXXX to see if we needed to extend the forbearance through an automated system, and we said No. Which would allow them to begin taking payments. 

It appears as though there is no one working at this company and letters are automated. 

Please help me save my home. I want to pay, and remain current, however they have made it impossible.
Product: Credit reporting or other personal consumer reports

my info was breached i have to many hard inquiries and other stuff popped up on my credit that was not allowed by me and they wont send me anything no signature or id or any information proving anything please need help
Product: Student loan

I co-signed a XXXX student loan for my Grandson. He is paying it currently and it is up to date. I just started receiving phone calls from XXXX @ Navient XXXX wanted me to make a payment on my student loan and call her back @ XXXX. I see no reason for them to be calling me. I have n't given them any information. On XX/XX/2017 she called two times. On XX/XX/2017 she called me three times, then I decided to start writing down the times they called. I am not answering the calls they are going to my voice mail. On XX/XX/2017 she called at XXXX,XXXX & XXXX. On XX/XX/2017 she called @ XXXX, XXXX, XXXX & XXXX. On XX/XX/2017 she called @ XXXX. I believe this is harassment.