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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX CT XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I tried to do a loan modification with SPS. SPS is stating to me that because I had other reviews in the past the investor says I am not eligible. I next submitted a short sale and SPS is stating because of how far behind I am on my mortgage that a short sale is not an option per the investor. The investor is XXXX XXXX. I spoke to XXXX XXXX and they stated I am eligible for a short sale because I never did one before.
Product: Credit reporting or other personal consumer reports

Per Complaint number XXXX Really, you think that because you finally sent me a copy of my credit report. After 18 years of your game playing fighting me to even try to get this. ( At the same time, you continue the ID game. That doesn't say much about a credit bureau, even after the multiple copies of my ID and SSC I have sent you ( Trans Union LLC ) still can't verify my Social Security number? ) Still multiple falsehoods credit report. simply because I filed a complaint with the CFBP, allows you to forget about the last XXXX yrs of multiple moments of Financial, Physical, Mental, and Emotional anguishes. I think not. 

You knowingly and willfully, allowed and continued to allow without my consent or permission. The falsehoods on my report. Refusing me the ability to repair it on multiple occasions. I expect a phone call to discuss punitive damages. That of which you have not yet done. You have my contact information. 

XXXX XXXX
Product: Vehicle loan or lease

Please answer each Fact stated in the Affidavit of Truth attached hereto. These and all other attachments/ Exhibits were received by Ally Financial on XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I have submitted previous complaints on this company. I have reached out multiple times regarding a hardship payment option, i was advised that is not an option that only a settlement is allowed. I also received an email stating the same. I have attempted to setup agreeable payment options and the lender has refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, It appears that the credit bureau is still reporting account listed as XXXX ( XXXX XXXX XXXX ) as open. Account has a zero a balance and company agreed after refund and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX
Product: Debt collection

SRA collection company location XXXXXXXX XXXX XXXXXXXX XXXX XXXX nj zip code XXXX phone is { XXXX } XXXX XXXX, my complaint is that there unlawfully pulling my credit report doing soft pulls and also calling my home phone XXXX XXXX around XXXX in the morning and also my cell phone XXXX XXXX too I told them that I don't owe any debt with this company and I have a common name, they also call me on private numbers by blocking there numbers, can you please tell these animals to leave me alone and stop harrrassing me and my kids asking for me when my XXXX year old picks up the phone, the company is trying to used muscule by imtimidating me by trying to sue, it this keeps up im going to sue them,
Product: Credit card or prepaid card

I had a late payment due to financial hardship from Covid-19, i made my payment, and they have closed my account with no notice. There was no notice when i signed up for paypal credit about this, and no notice about a closing account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called experian And i spoke with a XXXX for about 10 mintues she was very hostile I explained to her my situation and explained to her How i filed a complaint with the CFPB. COMPLAINT NUMBER XXXX back in XX/XX/XXXX and I told her experian responded and stated this 'DESCRIPTION OF NON-MONETARY RELIEF Per your request to conduct a reinvestigation, we contacted the data furnishers vendor for disputed item on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified the information is not listed on your Experian credit report. The results summary was sent to you for review on XX/XX/XXXX. ' i WILL ALSO PROVIDE DOCUMENTS IN SCREETSHOT.

XXXX stated she dont see where it was ever removed but as i stated i have the call when I reached out to experian confirming that the account was removed XX/XX/XXXX. So i asked XXXX do you mind being recorded she said No i dont give you authorization to be recorded ( sounds fishy ). I asked her do she have record of the cfbp complaint i filed so we can go over it so she can look at what her company responded and said she stated " NO SHE DOESNT HAVE RECORD " AGAIN WHICH IS SUSPECT.
Product: Money transfer, virtual currency, or money service

I started an IT company to sub-contract installs from another company that services country clubs. I invoiced the client for a couple of installs and the payment processing company froze the payments and then locked my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Re : Dispute of Charge Off Account # [ XXXX, XXXX ) Dear Sir/Madam, I am writing to dispute the charge off listed on my credit report for the above-referenced account ( XXXX XXXX Bank date opened XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX date of opened XXXX XXXX. I believe this information is inaccurate, incomplete, or unverifiable, and I request an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Under 15 U.S. Code 1681i, I have the right to dispute any information that I believe is incorrect. You are required to investigate this charge off and verify its accuracy, including compliance with XXXX XXXX standards for reporting. XXXX XXXX guidelines outline strict formatting and reporting requirements to ensure consistency and accuracy. If this account does not meet the XXXX XXXX compliance standards, or if it can not be verified, it must be corrected or deleted from my credit report.

Furthermore, under 15 U.S. Code 1681s-2, the creditor ( or furnisher ) of this information is legally required to report only accurate and up-to-date information to the credit bureaus. If they fail to provide proper documentation to validate this charge off or meet XXXX XXXX requirements, the entry must be promptly removed. 

Please treat this dispute with urgency and provide me with verification within the legally mandated 30-day time frame. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I noticed that my credit reported on XX/XX/2014 - XX/XX/2014 for my USDOE/GLELSI and Nelnet account of a total of XXXX. I want you to know that I understand my financial obligations, and if it werent for a job lost during the year of 2014, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have taken control of my finances and now that I have established a great understanding of being financial literate circumstances have changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have brought this situation to the attention of XXXX XXXX XXXX XXXX on several occasions and it still appears on my credit reports. XXXX, XXXX and XXXX lists the following : Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/XXXX Account number : XXXX Creditor 's Name : XXXX Type of Industry : Miscellaneous Finance Companies Address : XXXX XXXX XXXX , XXXX XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees. 

I have attached copy of the discharge from Chapter XXXX and official Payment Plan. You will notice the Payment Plan states Other Provisions Not Included Above : b. The secured claim ( s ) of the following are intended to be paid directly, are not provided by the Plan, and shall retain their lien ( s ) : - XXXX XXXX ( XXXX XXXX XXXX ). XXXX XXXX XXXX sold the loan to XXXX. 

This claim was paid in full as agreed. There were no late payments and there is not outstanding amount. I have the title to the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a 90 day late payment on my XXXX accounts. These accounts were never late. XXXX has already confirmed with me that I have no late payments. This inaccurate reporting has caused my credit score to drop. Please remove late payments. Also, TransUnion has yet to remove unauthorized inquiries from my TransUnion consumer report. I sent them a notarized FTC affidavit concerning these inquiries. Its been two weeks and they have yet to remove these inquiries from my report.
Product: Credit reporting or other personal consumer reports

The credit bureaus Transunion and XXXX are reporting XXXX accounts that have already been deleted from XXXX. 
XXXX XXXX XXXX  {$480.00}, has been removed from my XXXX report. 
XXXX XXXX XXXXXXXX {$620.00}, has been removed from my XXXX report XXXX XXXX XXXX {$920.00}, also has been removed from my XXXX report. These are inaccuracies which is a violation of the FCRA. 
AND once again the bureaus are not reporting or deleting the account as XXXX has. 
XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} has been removed from my XXXX report, as well as XXXX XXXXXXXX XXXX XXXXXXXX {$740.00}, has been removed from my XXXX report.
Product: Credit reporting or other personal consumer reports

I HAVE TRIED FOR YEARS TO HAVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM NOT SURE HOW BMW FINANCIAL GOT A HOLD OF MY PERSONAL INFORMATION BUT THE ACCOUNTS ARE NOT MINE, I NEVER PERSONALLY SIGNED ANY CONTRACTS WITH BMW OR ANY OF THEIR AFFILIATES TO GET HTESE 2 LOANS, I HAVE REACHED OUT TO THE FAIR TRADE COMMISSION, I HAVE REACHED OUT THE BUREAUS. FOR YEARS I HAVE NOT GOTTEN A RESOLUTION. AGAIN THESE ACCOUNTS WERE NEVER OPENED BY ME, I HAVE MADE IT VERY CLEAR TO BMW REPRESENTATIVES THAT THESE ACCOUNTS ARE NOT MINE, BUT THEY SEEM TO BE VERY CARELESS IN UNDERSTANDING THE FACT THAT I AM A VICTIM AND I NEVER OPENED THESE ACCOUNTS, ANY PAYMENTS MADE ON ANY OF THESE ACCOUNTS CAME FROM BANK ACCOUNTS THAT I NOT MINE, WHY IS BMW PENALIZING ME JUST BECAUSE THEY DIDN'T DO A GOOD JOB IN OBTAINING ACCURATE INFORMATION. I EVEN WENT TO SMALL CLAIMS COURT AND STILL NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX.
Product: Mortgage

I was grateful to have mortgage forbearance during COVID-19. I am a single mom, homeowner, XXXX then on XXXXXXXX XXXX and also XXXX XXXX XXXX I opened a XXXX XXXX  in XXXX, a plan in motion for 2 years prior to the pandemic. Terrible timing. For a these reasons, I was not able to pay my mortgage for over a year. I was reported by XXXX/GMFS on XX/XX/XXXX for balance past due. I called and spoke to them, they were very understanding and informed me the best course of action was to make a formal " complaint/dispute '' with credit bureau XXXX I am extremely grateful to have my home and was able to have loan modification to keep myself and my son in the home. 

I did some research on XXXX Will forbearance show on credit report? 
Does mortgage forbearance hurt your credit? Mortgage forbearance does not show up on your credit report as a negative activity ; your lender or servicer will report you as current on your loan even though you're no longer making payments. - I have found this is not the case and am hoping to ameliorate the ding on my credit report. 

My credit is poor as I am still recovering from the harsh blows of the pandemic. Please assist in any way you can. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was charged a {$180.00} copay for an XXXX visit back in XXXX of XXXX. I received a bill from the hospital billing department. I did attempt to contact the department to resolve the issue and provide them with my insurance card number, in which the representative stated they did not have on file. I was under the impression this issue have been resolved as I did not receive any further bills from the hospital. The hospital reported my debt to the collection agency XXXX of XXXX. I was served court documents from the collection agency XX/XX/XXXX. I was never given any notification that I still owed this debt. Court papers was just filed on me without no opportunity to settle this debt. I did contact the party whom has filed a lawsuit against me. I was told they had only attempted to contact me once via regular mail, NOT certified mail. However, I never did receive there notification. The lawsuit has been filed by : Peterson Enterprises , Inc. A XXXX XXXX XXXX Valley Empire Collection XXXX Mind you, at the time of the billing for this debt was during the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I actually have two problems here and you just keep giving me the runaround because whats going to happen is youre going to send a response back to the CFPB stating that youll respond to me directly but you dont I mean sometimes I get a form letter from you but I dont actually get any answers you keep saying that you need information you need me to prove that I may do you have access to my credit report but I have sent you copies of my drivers license my Social Security card utility bills and numerous other documents on numerous different occasions I mean weve been doing this for a year now and you keep giving me the runaround I think you all the information and you keep denying me access to my credit report is there a reason Im beginning to think your actions are unlawful at this point and when. I was able to see my report and I was able to get a copy of it this was quite a while ago but you wouldnt let me file a dispute online and Ive asked multiple times why you will not let me dispute something online and you have chosen not to answer that question what Im gon na keep asking the exact same question and keep filing a complaint every time you dont answer the question. All of this really sets off some red flags about the integrity of the credit reporting agency and exactly whos in charge The next concern is it about an account that has just shown up here out of the blue again the XXXX XXXX account it shows a balance of {$16000.00} about six months ago I had four accounts that showed up from XXXX bank on my XXXX XXXX report I looked into them and realize somebody had been using my information identity theft I contacted the bank they agreed with me and closed all four accounts and remove them from my credit report now all the sudden out of the blue the XXXX account shows back up with no apparent reason I check my other two credit reports its not on either one of those its just yours Company that is reporting it again throws up some red flags exactly whats going on there youre not keeping my report accurate thats your job legally that is your job to correct mistakes
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccuracies on the following accounts. XXXX is being reported as paid, no balance with XXXX late payments. 

XXXXXXXX XXXX XXXX is being reported as a different last activity date, a different balance, different report dates and different status, one is paid the other is collection. Experian has been 30 days to investigate these inaccuracies and has failed to do so. I have attached my letter requesting an investigation into this in accordance to the FCRA.

FCRA additionally states that if a credit bureau can not validate the legitimacy of the inaccuracies that they must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX and XXXX/XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX  and XXXX/XXXXdenied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX/XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX Bank ( XXXX ) for reporting inaccurate, unverified, and harmful information on my credit reports, violating the Fair Credit Reporting Act ( XXXX  ). I demand the immediate removal of disputed accounts and late payment remarks, as well as an investigation into XXXX  negligent practices. 

Summary of Violations Chronologically Impossible Charge-Offs and Balances : Account # XXXX : Date of Last Activity/Closed Date : XX/XX/XXXX ( future date, impossible ). 

Last Payment : Conflicting dates ( XX/XX/XXXX on XXXX vs. XX/XX/XXXX on Equifax ). 

Account # XXXX : Date Reported : XX/XX/XXXX ( future date ). 

XXXX XXXX : " Paid, was past due XXXX  days '' ( XXXX ) vs. " Paid as agreed '' ( XXXX ) XXXX 

Failure to Adequately Validate Disputes : XXXX dismissed prior disputes by falsely claiming " insufficient information, '' despite FCRA XXXX ( a ) ( XXXX ) ( A ) requiring investigations even without a credit report attachment. 

XXXX failed to provide : Signed original contracts. 

Verifiable payment history. 

Proof of charge-off notification ( XXXX XXXX. XXXX ( a ) ( XXXX ) ). 

Severe Credit Damage : These inaccuracies have significantly lowered my FICO Score, limiting my access to loans, credit cards, and competitive interest rates. 

Legal Basis for Deletion XXXX XXXX. XXXX ( b ) : XXXX failed to follow reasonable procedures to ensure accuracy by reporting future dates and impossible balances. 

XXXX XXXX. XXXX : Credit bureaus did not conduct proper reinvestigations of disputed items. 

XXXX XXXX. XXXX : XXXX violated XXXX duty to correct inaccuracies.
Product: Debt collection

On XX/XX/2020 i checked my credit report and realized there is a collection agency trying to collect a debt that i have no knowledge of i never signed any agreement with this company nor have i and contract with them and any of thete affiliates
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS PORTFOLIO RC XXXXON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from PORTFOLIO RC WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Vehicle loan or lease

my information and identity has been compromised when i apply for a consumer loan to purchase a vehicle this company violated my consumer rights with their deceptive contract posing as a car dealer/financial lender which offers credit under the fair credit laws but when this business finance this vehicle with the apr of 29.9 percent to 31.5 and payments of XXXX by weekly and charge my credit card XXXX of a down payment plus their dealer finance charges this was too much so this company has refused to let me know any information other then this promissory note and their exurbanite charges with them have other business such as charging me for car insurance when this is something the they have already had installed on this vehicle this company would not cooperate with lending practice XXXX when the borrower has a lost of job and cant pay and the arbitration and to stop payment request until all matters have been settle.