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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally request the removal of the following fraudulent accounts from my credit report. I have been a victim of identity theft due to a data breach, and I did not authorize or open these accounts. As such, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX. Creditor Name : XXXX Card o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$320.00}
Product: Payday loan, title loan, or personal loan

I received a loan from Santander Consumer USA for a car. In XXXX of 2020 I paid the loan off in full, ( XXXX XXXX  ) however I never received a title. I received a letter stating the car was id off. On several occasions i have reached out to Santander and noting happens. I also contacted XXXX who informed me that Santander still has a hold on the vehicle and needs to release the title
Product: Vehicle loan or lease

I requested a deferred payment on this account. I was granted a deferred payment. On the credit report it reflects a A late payment on this account. I have never been late on this account. I have asked this company to go back and find the original information that reflects the late payment. This account would have reflected a do a deferred payment. All I have requested was have the late payment removed from this account. Please research my request in it will reflect that the late payment is the different payment I requested. I have rose several of letters in contacted your company. Please removed from all the agencies.
Product: Credit card or prepaid card

This dispute pertains to a Credit Card with the USAA Bank Dispute For Credit Card Ending In XXXX USAA Dispute Case # : XXXX Credit Card # Ending In : XXXX Merchant Name : XXXX XXXX XXXX Transaction Date : XX/XX/2018 Transaction amount : {$140.00} Disputed Amount : {$140.00} To whom it may concern : On the morning of XX/XX/2018 I was in XXXX, XXXX and I made reservations via telephone with XXXX XXXX XXXX to have a car reserved in the city of XXXX, XXXX where I was going to fly to later that morning. 
The reservation was made and upon arrival at the XXXX XXXX XXXX XXXX in XXXX XXXX the car was waiting for me at their XXXX office. I paid {$130.00} USD ( {$390000.00} XXXX  Pesos ). 
Later in the evening while dining at a restaurant I checked my USAA application on my cell phone and saw in addition to the legitimate charge from XXXX another charge for {$140.00} from a merchant called XXXX XXXX XXXX. 
I have NO IDEA who XXXX XXXX XXXX is as I never contacted or dealt with any merchant other than XXXX. 
I immediately called USAA 's international number and reported this charge to initiate a dispute. 
I did NOT on that day or any day before or after deal with XXXX XXXX XXXX. I have no idea who they are or where the charge came from. I suspected at first that perhaps one of the XXXX workers at the XXXX XXXX was trying to possibly scam me since they were the only ones who had processed my credit card and BOTH charges appeared at the same time on the same day for the same type of service : A car rental. 
I do have the receipt from XXXX and have included a photocopy. The amount is in XXXX Pesos but a currency converter will show the US dollar amount. 

XXXX XXXX XXXX has NO locations in XXXX, as proven by looking at their list of locations on their website, the URL is provided here : XXXX XXXX XXXX Also, NO ONE will rent something as valuable as a car without having the renter fill out and sign multiple sheets of paperwork, therefore WHY DIDN'T USAA REQUEST SUCH DOCUMENTS FROM XXXX XXXX XXXX, the absence of which would have proven that I never dealt with them and that the charge is false?? 

I have proven with the XXXX receipt that I was physically in XXXX where I rented a car from XXXX and with the above link I have proven that XXXX XXXX XXXX does not even have locations in XXXX, yet they falsely charged me for a rental on the very same day I rented a car from XXXX in XXXX. 


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

Equifax is refusing to release my credit information to creditors I was told they have a back house freeze on my credit report I never authorize them to do that after sending them my a copy drivers license and Social Security card they still are not reporting my credit this has been going every since XX/XX/2022 the other two Credit Bureaus XXXX and XXXX have no problem with my file or reporting information. Equifax his actions are causing me financial harm and hardship please address this matter for me as soon as possible .Thank you.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from experience XXXX XXXX and XXXX XXXX immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I received a denial letter from Citi for a Citi XXXX XXXX Credit Card. Still being harassed till date with same offer letters that I was recently denied being sent. 

This action is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

Citi is in violation of 15 U.S.C 1642, U.S.C 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Recently opened up a Citi Rewards + Credit Card on the XX/XX/2022. Establishing a new line of credit with Citibank. Even more reason I should have never been denied. 

Citibank claims my credit report shows combined credit lines on satisfactory account is too low. A false statement as my credit scores are all above average.
Product: Debt collection

Car max never issued a certificate of indebtedness on a write off was never sent a 1099a or 1099c. This write off is considered as income. Per consumer laws. I am opting out of reporting from Car Max per 15 usc 6802 - 05.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you. Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes. The CRRG standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Product: Credit reporting or other personal consumer reports

Hello Transunion, I would like to start off with a huge thank you for understanding my situation of me being a victim of identity theft. The following accounts are currently removed. But there are still these two accounts that are reporting on my report that needs to be removed because they weren't authorized nor opened by me. I am asking that you kindly remove this account from my report as well.
Product: Mortgage

So, I had fallen behind on my mortgage payments a total of XXXX months My monthly amount is approximately {$860.00} per month I called on the XXXX of XXXX to make a payment. 
They refused to accept the payment and demanded that I make a minimum of XXXX monthly payments. 
So I reluctantly said that I would try to get another payment together by the end of the month. 

Here it is the last day of the month, I am a few XXXX short on the XXXX payments that I am " required '' to pay. 

I call Lakeview Loan servicing to discuss this things.. 
I am told that the minimum payment I can make at this time is {$1700.00} XXXX ask what the additional amount is for they say its because of fees. 

I tell them I cant make that and that I'm a few XXXX short. 

representative says " Thats good news because we can do a re-payment plan where we take half today, and spread the remainder out over XXXX months. 

Sound good, right? so she said to make the payment today in the amount of {$1300.00} and then I would need to make a payment of {$1500.00} per month for the next XXXX months I said that the math doesn't add up, and ask that she explain. She puts me on hold and says " there are corporate fees involved '' and I asked to elaborate and give me the amount of these fees with what they pertain to and she could not do it. refused to do it. 

by my calculation and every late fee I've been hit with from the time the loan originated rounding all numbers up at most should be a monthly payment of {$1300.00}. 

They refuse to explain the extra {$500.00} per month and hung up the phone on me. 

Now I'll be facing foreclosure or agreeing to be extorted for a {$500.00} per month fee from this company. No option other than one or the other and this shouldn't be legal. 

look em up on XXXX, I'm not the only one who has issues. They have the lowest rating they can possibly have.
Product: Debt collection

I recieved a notice on XX/XX/year> about a debt owed supposedly to PayPal , Inc for {$230.00}. I contacted PayPal, Inc directly as I have a current account with this party. They state they do not show an amount owed and my account is in good standing. Upon researching this company : it seems this is there common scam or tactic and they are known for sending these letters to collect a debt that does not exist through various companies in attempts to collect money from unknowing parties. Since this is a fraudulent tactic I did not contact their company directly to avoid a further attempt to collect information about myself as a protection.
Product: Mortgage

I had four ( 4 ) mortgages that originated with XXXX XXXX XXXX in XX/XX/XXXX. I never had any problems with XXXX until three ( 3 ) were sold to Nationstar a/k/a " Mr. Cooper '' in XX/XX/XXXX. All four loans have been paid off except for one with Mr. Cooper, in which there is a minor dispute of {$350.00}, which they refuse to accept even though it was the agreed-upon pay-off amount. Mr. Cooper has now sent the collection to XXXX XXXX  as a debt collector, and the amount in dispute is now over {$1000.00} in less than a year. In fact, Mr. Cooper owes me many thousands of dollars. 

Mr. Cooper has been a HORRIBLE business to deal with. I have attached numerous documents which demonstrate what I conclude has been fraud against me in at least two of the three mortgages. They also lied to the XXXX  of XXXX and XXXX Texas. They reneged on another settlement regarding insurance policies that they had agreed on and only after the BBB case had been closed in favor of me as the consumer. 

Mr. Cooper 's and XXXX 's actions are nothing short of extortion. I have recently applied for a mortgage with XXXX XXXX, which was denied almost solely based upon Mr. Cooper 's false representations and their refusal to honor their pay-off amount on the third loan of mine with them. This was after XXXX XXXX had full disclosure of my problems as a victim of Mr. Cooper and fully five weeks after having my second loan request with them. Furthermore, I had already paid them for the appraisal, which I don't believe was ever made. I recently recalled that Mr. Cooper and XXXX XXXX were business partners on at least one of my loans. There was an inherent conflict of interest, and XXXX XXXX should have had an unbiased independent examination of my credit history conducted, which they failed to do. I still need that loan to be closed as soon as possible. An attorney representing me and I have requested from Mr. Cooper several times for complete copies of the account history such as payments, debits, insurance, etc. These statements show excessive charges, servicing errors, fee errors, payment errors, escrow errors, and pay-off errors. XXXX Mortgage was informed by myself of the problems that Mr. Cooper caused by breaching our agreement for the pay-off of the last loan with them. Instead, XXXX ignored my advice. As I previously mentioned, Mr. Cooper owes me tens of thousands of dollars, which is now escalating due to my inability to obtain a mortgage loan due to their errors and misconduct. XXXX XXXX then denied my loan because of my being a victim of Mr. Cooper, of which XXXX XXXX is affiliated with, and because I was traveling nearly constantly while employed as a XXXX XXXX XXXX with the XXXX XXXX  XXXX XXXX and had all of my accounts on automatic Billpay. I find these acts to be abhorrent against someone who put over 20 years in service to our country, including nine years in the active XXXX XXXX. XXXX XXXX summarily dismissed it, despite the evidence that I had produced showing that Mr. Cooper was completely at fault, with not only my three loans but thousands of others that they have recently admitted to.
Product: Credit reporting or other personal consumer reports

This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards.I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro XXXX data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards.I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro XXXX data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XXXX XXXX  : The Old Navy Store clerk approached us and the credit card account was opened and the purchases made in the store were put on the card. 
XXXX : Received the statement in mail for payment. 
The card was never delivered. So we don't have the full card details as well. When I approached the company on phone, they refuse to take payments and are requesting for more documentation ( which was never agreed upon when the card was opened ). I want to pay the statement full balance but they refuse to take the payment and demand more documentation. I requested them to take the payment and close the account so that I don't have to pay the late fees and my credit score is not affected.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for their failure to delete fraudulent accounts from my credit report, despite providing sufficient documentation proving these accounts resulted from identity theft. I have taken all necessary steps, including submitting an Identity Theft Report and providing a copy of my identification documents, yet these accounts remain on my report, negatively impacting my financial standing. 

The fraudulent accounts I am disputing are : XXXX XXXX XXXX ( Account # XXXX ) This account is fraudulent and was opened as a result of identity theft. 
I have provided an identity theft affidavit and supporting documentation proving that this was unauthorized. 
TransUnion must remove this account immediately. 
XXXX XXXX XXXX XXXX ( Account # XXXX ) This account is fraudulent and was opened as a result of identity theft. 
I have provided an identity theft affidavit and supporting documentation proving that this was unauthorized. 
TransUnion must remove this account immediately. 
XXXXXXXX XXXX XXXX ( Account # XXXX ) This account is fraudulent and was opened as a result of identity theft. 
I have provided an identity theft affidavit and supporting documentation proving that this was unauthorized. 
TransUnion must remove this account immediately. 
Despite my repeated requests, TransUnion has failed to comply with Section 611 of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a reasonable investigation and remove unverifiable or inaccurate information. Their inaction violates my rights under federal law and has caused me financial hardship, including potential adverse actions by creditors.

Additionally, under Section 623 of the FCRA, furnishers of information must report accurate data. TransUnions failure to ensure accuracy contradicts the requirements imposed by the FCRA and Metro 2 compliance guidelines.

I have attempted to resolve this issue directly with TransUnion by submitting disputes and supporting documents. However, my disputes have either been ignored or denied without a proper investigation. TransUnion 's failure to act in compliance with federal law leaves me no choice but to escalate this matter to the CFPB.
Product: Mortgage

I am attaching additional evidence for Case number : XXXX and Case number : XXXX. I can only create a new complaint as there is a glitch in the system that does not allow me to log in or create or reset the password in order to update or review standing complaints. 

I am attaching evidence from XXXX XXXX to show that they return the LATE payment Firstbank tried to send for my Hazard Insurance. I had already paid XXXX directly because to me Firstbank had already began to steal money from the escrow account so that they can charge me forced place insurance and line their greedy pockets.
Product: Checking or savings account

On XX/XX/XXXX I was seen in the XXXX  department and was admitted to the hospital. During this time my phone and wallet was taken and my debit card and id and card pin was in my wallet. I was discharged on XX/XX/XXXX and noticed numerous unauthorized transactions on my debit card. At which time I submitted a dispute with chime. Two hours after submitting the dispute chime claims that they found no error occurred i have a doctors note to upload but I had no chance to upload it as they found no error occurred with out doing a proper investigation on XX/XX/XXXX I filed a rebuttal and uploaded the doctors note. They claim that no error occurred still and its impossible for me to make purchase in person when I am in a hospital bed fighting for my life. I didnt authorize anyone to use my card. I requested the documents used to determine the claim denial and they used previous banking history as a reason. I feel as if there was not a proper investigation done and want it reopened and looked into as I clearly was in the hospital and unable to make transactions. The dispute ID number XXXX I just want a provisional credit and a proper investigation done.