23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I logged into my Studentaid.gov website and saw that my total balance is {$550.00}. Reasonably, I was elated as I felt a grant sense of relief thinking I had received forgiveness of some kind. Unfortunately, that was short lived. When I went to pay this off by clicking the appropriate button on the Studentaid.gov website, I was taken to another login page for myeddebt.ed.gov. There I could see my balance was not the {$550.00}, but {$56000.00}. I had hope for once that I would be able to have a life outside of these loans, maybe buy a house someday, but I am crushed. The joy I felt was quickly replaced with dread. I called the number given ( XXXX ) in a last bit of hope that something was not translating correctly in my favor, only to be told that the larger number was the correct one. You can not do this to people. You can not give them hope and then break them down like this. It is cruel. The person I spoke with was very kind and broke things down for me on my payment options. I can not out right pay that amount of money, or the $ XXXX for the lesser payoff. The month interest for this is going to be {$210.00}. If I paid {$250.00} a month, it will take me XXXX YEARS to finally pay off the principle balance. With everything else I have in my life, I will never be able to pay this. It was false information on the Studentaid.gov website that to this day ( XX/XX/XXXX ) still has not been fixed. Thank you for taking the time to read this.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1666b, timing of late payment, They did not have the verbal or written consent to furnish late payments on my credit report. 
Account name : XXXX XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXXXXXX XXXX  Account # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX inquired XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 FORD MOTOR CREDIT CORP XX/XX/2020
Product: Checking or savings account

My identity has been stolen and NetSpend a XXXX XXXX company does not do verification of account opening and someone opened XXXX debit accounts in my name last year. I froze my credit for a year and what do you know a year later a new account was opened in my name and I just received the confirmation details in the mail. Banks like this need to be shut down and have controls in place to open legitimate accounts only.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 

I sent a cease and desist letter to IC Systems. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. 

This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX dealership on XXXX XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XXXX XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XXXX XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. XXXX and Capitalone financial departments opened cases to look into this situation. XXXX XXXX and XXXX department refused to, claiming they could not do anything.
Product: Credit reporting or other personal consumer reports

I have tried to investigate XXXX XXXX XXXX for the amount of {$8700.00}. I have tried to investigate XXXX for the amount of {$0.00}, said account has been deleted from XXXX and XXXX. XXXX XXXX ( no amount listed ) this account has also been deleted from XXXX and XXXX. CFPB In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 Section 602 states that I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 166B a creditor may not treat a payment on a credit card account under an open a consumer plan as late for any other purpose. 
I am requesting these accounts be removed form My equifax credit report. This issue has left me unable to obtain credit for car loans and mortgages and credit.
Product: Money transfer, virtual currency, or money service

I was a victim of Identity Fraud. On Thursday, XX/XX/2023 at approximately, XXXX, I received a text message from " JPMorgan Chase Bank ''. The Text stated that there was a Fraudulent charge of {$240.00} USD at a XXXX XXXX in Texas. The text prompted me to reply " 1 '' to Validate or " 2 '' to deny the transaction. I replied " 2 '' and another text stating that I would receive a phone call from JP Morgan Chase Card Lock Support. I received a call about ( XXXX ) 3 minutes claiming to be a representative for JP Morgan Chase Bank regarding the text message of the Fraudulent charges at XXXX XXXX. The caller had a valid list of my past XXXX transactions history from the account, and also verified one transaction in " real-time '' while driving. 
The caller asked to " Verify my Identity '' by sending me a text message with a code and to read it back to him. He then proceeded to tell me that there were several other " wire '' transfers/charges that were happening in real time of different amounts from {$5000.00} to {$10000.00} going to different accounts in different states. Then he said that since my account has been compromised, that they need to " freeze '' my current account and open up a new one and transfer money into my new account. Subsequently, they ( Wire ) transferred {$26000.00} USD to a " XXXX  XXXX XXXX '' account NOT associated with my Personal JP Morgan Chase account. 
I have been in contact with JP Morgan Chase Bank, a Detective with the XXXX Police Department and FBI. We ( Detective of XXXX XXXX ) submitted a search warrant to the XXXX XXXX States Attorneys office for review and was Approved. 

The Search Warrant Concluded that there was NO account at XXXX XXXX  XXXX that received the {$26000.00} and that the account provided to me by JP Morgan Chase does NOT exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX. XXXX XXXX XXXX ( A ) ( XXXX ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, Equifax, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1993, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas propers regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of Congress in the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore and hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

What friends, associates, neighbors of the reported consumer did you interview? Can you provide the following names of the friends, associates, and neighbors that you interviewed? 

The following accounts : XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX 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: Checking or savings account

I deposited {$210.00} cash in the ATM at the US Bank XXXX branch in XXXX XXXX. The machine had an error and was unable to process my deposit and printed an error receipt. Calling customer service and the branch was useless. The branch would redirect me to the XXXX ( XXXX ) which would tell me to call the branch. They are telling me 10 business days until I can access my funds. How can they take my money? I am overdrafted and bills are now past due. I 'm being charged late fees from my creditors and this negatively affects my credit score.
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

They continue to submit to the reporting bureaus every other month or so with false information. My debt started in XXXX of 2015, they keep submitting that the debt was just opened and it subtracts 15 or so points off of my Credit Score every time.
Product: Credit card or prepaid card

This isn't my account. I closed and paid my account with Citi Bank.
Product: Mortgage

Carrington mortgage advise me to write a letter and have it faxed over to Carrington mortgage To remove an appraisal fee that we did not order or request. We have submitted a letter in writing to remove the appraisal fee Along with asking for some assistance with the late payment fees Carrington mortgage is stating that we required a foreclosure appraisal.

We were never in a foreclosure. We were never in a pre-foreclosure. We did not pay XXXX payment per your advice because you stated that to be in a short sale we had to be 31 days late. Since that we have accumulated {$1000.00} in fee, including the {$590.00} appraisal fee. 
We are trying to catch up completely. 
My husband, co Borrower, was in the hospital and was under treatment. Had a loss of income from XXXX through XX/XX/year>. This information was shared in the letter faxed to Carrington mortgage We just received a letter stating that we are getting no assistance in this matter. They did not even respond to the loss of income. 
We entered a short sale because the payment increased with tax and insurance and due to the fact that we had a loss of income we could not afford the mortgage payment. We did not want to go into a foreclosure. We bought the property and have no equity so in order to sell it, we would have to do a short sale.. 
We were given advice in order to qualify for a short sale. We needed to be 31 days late. 
That affected so many other aspects it ruined my credit closed down credit cards, which I was being able to pay other bills with because of the loss of income in our family, and it has completely spiral downward. We have been trying to get assistance from Carrington mortgage during this whole process we also requested a loan modification instead of a payment reduction. They came back with any payment increase. They wanted us to pay an extra {$2000.00} a month For XXXX months which we did not if we didnt have the normal payment I dont understand how they thought we could pay an additional {$2000.00} a month for XXXX months then by submitting the payment information to the credit bureau they took away all of our free credit that we couldve been leveraging until we recoup our finances I can not understand why Carrington mortgage is refusing to work with us?

We are trying not to lose the home. We are trying to go into a foreclosure.

Is this what Carrington mortgage wants?

Since XXXX  XXXX  sold our mortgage to Carrington mortgage we have had nothing but a terrible experience. No one is willing to help us and it seems like all they are wanting us to do is foreclose.

As of today, we are up-to-date with the exception of the {$590.00} appraisal fee and {$680.00} of late payment fees.

We desperately Seeking assistance. Telephone conversations and written documentation is not helping with Carrington mortgage.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Unauthorized Hard Inquiry Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute an unauthorized hard credit inquiry made by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  on my credit report. I did not apply for credit with your institution, nor did I authorize this inquiry. My personal information was fraudulently used without my consent, resulting in this unauthorized credit inquiry appearing on my credit report.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a company may only obtain a consumer report under specific permissible purposes, such as an application for credit. Since I did not apply for credit with XXXX XXXX XXXX, you do not have permissible purpose to have accessed my credit report. As such, I am requesting that this unauthorized inquiry be removed immediately. 
I have already disputed this inquiry with the credit reporting agencies, and I am requesting that your institution take the necessary steps to remove it from my credit file. If you fail to do so, I will be left with no choice but to escalate this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Enclosed with this letter, I am providing copies of my identification and any supporting documentation to verify my identity and support my dispute. Please confirm in writing once the inquiry has been removed. 
I expect your prompt attention to this matter. You may contact me at XXXX if further information is needed. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for anY purpose 15 U.S. Code 1681a - Definitions ; rules of arch construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

US Bank has stated in a letter addressed to me that i owe them {$270.00} from an account that has been closed for 3.5 years ago. This account was closed and all debt was paid for.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The response to my last dispute with company didn't resolve the issue at hand, I never claimed that the account wasn't mines therefore no police report was required, but what was sent to you and the company is that I was a victim of XXXX XXXX bondage debt and was manipulated and forced to purchase this vehicle under duress, I was forced to do many things that weren't in my control, I sent supporting documents from the agency who helped me and still assisting me with getting my life back in order. 
XXXX XXXX account number XXXX has violated my rights as a victim of XXXX XXXX under 22 U.S.C. {$7100.00} ( XXXX ) or XXXXXXXX XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142 ( see attached rule ). They didn't take precautionary measures to assist me with this situation and disregarded the laws altogether. 
This is not acceptable and I am requesting once again for CFPB complaint XXXX to be reviewed again and taking care of immediately, the law states you have XXXX days to correct this issue. If I don't hear in a timely manner I will be consulting with an attorney.
Product: Debt collection

I recieved A collection notice from company called I.C. system on XX/XX/XXXX about a XXXX  past due account This is the 4th collection agency that has contacted me since XXXX. XXXX XXXX  complaint # XXXX XX/XX/XXXX and also XXXX XXXX XXXX complaint # XXXX and also # XXXX XXXX XXXX  XXXX/XXXX XXXX refused in the past and still refuses to respond or return calls on this matter I keep having to dispute. Short story was disconnected XX/XX/XXXX still billed me in error even though I had called and turned in equipment will not credit me the balance Recieved new service XX/XX/XXXX paid past due balance the told me I had to pay to get new service came back about a month later saying I owed them more I still have XXXX  at present time same address
Product: Credit reporting

Equifax continues to report an inaccurate account status on a closed XXXX XXXX revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Equifax is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Equifax has failed to update with the correct information or delete the account since it 's closed and outdated.