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

I sent over serveral affidavitts about this fraudulent items and most of the fraUD ACCOUNTS WERE DELETED EXCEPT 2. XXXX XXXX XXXX   ACC # XXXX, OPEN ON XX/XX/18. THE 2ND ACCOUNT IS MARINER FINANCE ACC # XXXX, OPEN ON XX/XX/18. THESE TWO ACCOUNTS GOTTEN REINSERTED ON MY CREDIT REPORT WITHOUT ANY DOCUMENTATATION OR PROOF.i PROVIDE THE POLICE REPORT AND THEY STILL WONT DO ANYTHING.
Product: Checking or savings account

Someone deposited a BAD check into my account which caused my account to become close to the bank of America. This is the 2nd time I 've had Identity theft with one of my accounts. I am having a hard time opening an account. I have a steady income with a good paying job and I need a bank account. I 'd like this to be resolved since I waited for over 3 years hoping that banks would look at my background and know that I have a job and steady income and NEVER been involved in fraudulent activity. Please help me!!! I 've never had any fraudulent activities happen in any of my accounts until this occurrence.
Product: Debt collection

There several collections on my credit report, which Im unaware of Ive received numerous calls and threatening emails regarding this
Product: Credit reporting or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS INQUIRY/ COMPANY AND I DID NOT AUTHORIZE ANY INQUIRIES INTO MY CREDIT BY XXXX INDIGO. 
THIS IS FRAUD... 
THIS INQUIRY WAS RECENTLY ADDED TO MY CREDIT REPORT FROM XXXX OF 2024 I DID NOT APPLY FOR ANY CREDIT OR AUTHORIZE THIS.
Product: Mortgage

On  XXXX   XXXX ,  XXXX  I received a workout option from  BMO HARRIS BA NK to pay  XXXX  per a month towards my home equity line of credit  XXXX . I received a letter in writing stating that if I put down  XXXX  and pay  XXXX  per a month on the first day of each month.   I have paid every single month on time since  XXXX  of  XXXX . In  XXXX  of  XXXX  and  XXXX   XXXX , Harris Bank did not withdraw the money from my bank account.   I called the bank and was informed that I owe them all the money at one time.   I told them that I had a written agreement from the employee that no longer works at the bank.   I was told that they did not care, and that I had to now pay  XXXX  a month for one year, and pay the loan off in full.   This is illegal. I was not informed and they are reniging on the original terms and agreements that were given to me by  XXXX   XXXX .   I need help with this.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent inquiries. Someone stole my identity and opened up the fraudulent inquiries in my name. 

Please DELETE the following fraudulent inquiries. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

15 U.S. Code 1681e - COMPLIANCE PROCEDURES ( B ) ACCURACY OF REPORT 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. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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.

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agencymay make any consumer report containing any of the following items ofinformation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

If your company fails to respond to this request within 30 days from the date of your receipt, all references to these inquiries must be removed from my credit report. I'm sharing a copy of my ID, and bank statement to verify my identity. Also, I have included relevant documents, including an ID Theft Report from the Federal Trade Commission. No consent is identity theft! I trust that you will give this matter the attention it deserves and take steps to resolve the issues promptly. I appreciate your prompt attention to this matter and await your positive response within the legally mandated time frame of 30 days. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Mortgage

Property Address : XXXX XXXX XXXX. 
XXXX, NC XXXX Pursuant to : 1. a : RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), b : TILA 15 USC 1641 ( f ) ( 2 ). 
c : TILA 15 USC 1641 ( g ) ( 1 ) a-e d : Saving Homes Act 2009 XXXX 2. All Insurance policies associated with the subject mortgage and any TRUSTS, including but not limited to REMIC Trusts. 
3. ID Theft notifications. 
4. Explanation for refused rate change : Explanation for failure to reduce rate 60 days XXXX rate XX/XX/XXXX thru XX/XX/XXXX. 
5. Explanation for contract failure ( s ). 
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired. 
7. Copies ( front & back of document ) a : Mortgage Note. b : Deed of Trust. 
8. Copies of Form XXXX, XXXX and Appraisal. 
9. Copies of ALL BPO, Appraisals and valuations. 
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until XX/XX/XXXX.
Product: Credit card

I have a care credit care with synchrony bank. I have had this card for several years, with no problems. However on my last billing cycle I had an undeferred ( due in 25 days ) amount of {$110.00} charged on XX/XX/XXXX and a deferred amount for {$83.00} ( due to expire XX/XX/XXXX. I also was carrying a deferred interest charge ( due to expire XX/XX/XXXX ) of {$230.00}. I wanted to avoid interest so I paid {$190.00} on XX/XX/XXXX ( the underferred amount of {$110.00} plus the soon to expire {$83.00} ). When I received my statement for this current cycle there was a {$2.00} service fee and a balance of {$25.00} from the XX/XX/XXXX charge. I called the company on XX/XX/XXXX and asked why they did that as they had never misunderstood my intentions before. I was told I had to call and tell then to apply the payment to the undeferred amount. They said they had to follow federal guidelines and apply these amounts as they did. From what I can read on the Federal guidelines a company must allocate a payment in such a way as to minimize customer interest and fees. This is not what has happened. There was no reason to apply any of this payment to the {$230.00} amount as it was not due to expire for another 10 months. I find this reprehensible and an unfair practice as regards the consumer. I called the XXXX card people today ( who are also with Synchrony Financal ) and they told me I could not direct them to apply my payment to the undeferred part of that card until the payment posted so I would have to call them back. They could NOT put a note on my account indicating that was my intent with the payment I sent them.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Vehicle loan or lease

I have had an account with Capital One for a long time I was late on my payments a lot but have for a while now been doing better and paying on time every month because I am about to purchase a house. I sent an email to the CEO to request that they forgive me of two late payments for XX/XX/XXXX and XX/XX/2018 and I express that this was the only thing holding me back from home ownership. I had some financial difficulties at the beginning of the year it was really hard as I am a single mother. But I have bounced back and I am doing really well and paying my bills on time. I have seen Capital one give forgiveness with other members and they denied me saying they don't forgive late payments which would be untrue. I also have a credit card with Capital One that has been in good standing from the start and I have never been late. I would like to know why I wouldn't be eligible for this process and others are?
Product: Credit reporting or other personal consumer reports

I am disputing and filling a complaint for XXXX unauthorized hard inquiries dating back XX/XX/XXXX up to XX/XX/XXXX that have appeared on my credit report as a result of identity theft. I did not apply for credit with these lenders, nor did I authorize any of these inquiries. These fraudulent activities have negatively impacted my credit score and were conducted without my consent.
Product: Student loan

Hi, Im still paying on a federal student loans to Navient. I was unaware there was a settlement and now they are banned from servicing student loans. 

Does my loan suppose to cancel out or do I still continue to pay? 

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

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Transunion for failing to properly investigate and verify disputed accounts on my credit report. Specifically, I have disputed the following accounts with Transunion, which they claim belong to me without providing any legally required proof : They are reporting themselves as an original creditor and reporting this account late every month when I have told them over and over that this account does not belong to me. 

XXXX XXXX XXXX Despite my efforts to dispute these accounts under the Fair Credit Reporting Act ( FCRA ), XXXX has come back stating that these accounts are mine but has failed to provide sufficient documentation or evidence to verify the debts. Under FCRA 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation and must delete or correct any unverifiable or inaccurate information. Transunion has not complied with these requirements by failing to produce : 1.Proof of debt ownership, including original contracts or signed agreements confirming my liability.

2. Clear and complete documentation of the verification process, including any communication with the original creditors and the evidence used to substantiate the debt.

Additionally, under 15 U.S.C. 1681s-2, data furnishers are also responsible for providing accurate information to credit reporting agencies. Since neither Transunion nor the original creditor ( XXXX XXXX XXXX ) have provided proof of my liability, these accounts should be removed from my credit report immediately. 

I am requesting that the CFPB investigate this matter thoroughly and ensure that Transunion is held accountable for their failure to follow proper verification procedures as mandated by the FCRA. I also request that the CFPB require Transunion to provide me with full documentation of any verification or, if they are unable to do so, to remove these accounts from my credit report. 

XXXX XXXX
Product: Vehicle loan or lease

I wasn't afforded the opportunity to recover the car, I was told The car was sold the next day at auction. Along with my personal belongings still in the car.The remaining balance was sold to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$1300.00} ; XXXX  XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Transworld Systems Inc # XXXX placed this negative item on my credit reports without notifying me. This is a violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX
Product: Credit reporting or other personal consumer reports

Approximately XXXX weeks ago I contacted XXXX, XXXX ( aka " XXXX XXXX XXXX XXXX XXXX XXXX' ) to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, Experian, XXXX, andXXXX XXXX XXXXXXXX, XXXX. I have yet to receive any response from XXXX, XXXX, and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX, Experian, XXXX, and XXXX XXXX XXXX. Additionally, I did notify XXXX, XXXX of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a scanned documents for confirmation number XXXX. This scanned document shows XXXX modified and i would like to see the documentation for this modified account. Also i have attached the letter i sent equifax on XX/XX/XXXX asking for an audited statement and when the payment was processed for the last 24 months under the fair billing act of XXXX and i only received a credit report that says modified for XXXX and no proof or documentation of XXXX XXXX. This is a violation of the FCRA. XXXX and XXXX  have late payment and i have not been shown any proof. Also THESE ACCOUNT DO NOT BELONG TO ME AND I WANT TO SEE A FULL ACCOUNT NUMBERS received from the creditors they have in their files BECAUSE A PARTIAL ACCOUNT NUMBER IS VIOLATION OF THE FCRA. I have no record of the above accounts and I am demanding that you disclose all of the documents upon which you are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with your obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting. XXXX was just sued for not treating a consumer fair and I have also been treated unfair and this situation need to be taken care of.
Product: Student loan

I just think it is crazy how my loan was passed around from XXXX, to XXXX, to XXXX. When I called XXXX to get my number off payments for public service they said they did n't have a record and that they did n't serve the public service program. So I had to transfer to Fed Loans. Fed loans did n't have my records, but they somehow had my direct payment information. Know I have to resubmit information that I submitted when it was with direct loans. Next on the fed loans application it ask for my wives salary information. She has nothing to do with the loan I thought. It did n't say that my loan amount would go up based on her salary. So when I got my new amount it sky rocked. Making me put my payments on economic hardship because we did n't have enough money to pay. I just think the whole thing is XXXX. Lost information and every customer service rep telling you something different is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have a collection agency trying to collect a debt that I do not owe. I have submitted 4 documents ( XX/XX/XXXX ) with supporting evidence that they have denied, but didn't inform me about the denial. It has been 2 months and I am just now seeing a delinquent account on my credit report. I have contacted XXXX XXXX today XX/XX/XXXX. I have opened up another dispute and will follow up on Monday XX/XX/XXXX. I am not sure what to do because I know that I do not owe this debt and they do not seem to care and just want to collect money on behalf of the other party. 

XXXX XXXX is claiming that I owe {$2200.00} with a 6 % interest rate. The apartment community that I used to live in did not properly fill out my move out date. I included evidence that I moved out before the move out date they are claiming. I moved out on Thursday XX/XX/XXXX, I have mover receipts to prove it attached. They are claiming that I moved out XX/XX/XXXX. I was 9 months pregnant in XXXX, there's no moving out at that time. I have emails to the manager letting her know I have moved out that are also attached. I have disputed this account within the 30 day time frame. I disputed it again in XXXX. I just don't know what else to do.
Product: Credit card

Banks that issue general purpose credit cards defraud the public as follows : The banks charge extremely high credit card interest fees which is only one segment of this issue. 
Banks do not pay any form of interest however to credit card holders on overpayments or earned " cash back '' dollars that may be sitting in banks for long periods of time until the rewards are re-deemed. This is in fact simply more abuse by the banking system and it can be resolved easily. 
Remember I am only talking about earned rewards dollars that can ultimately be redeemed as cash from the bank. Generally speaking these are promotional incentives and sound like this, " Earn 3 percent back on all purchases '' or something similar. 
Certainly, banks should not have to pay interest such as what they charge for purchases however, they could pay the basic interest rate that is applicable for their savings account and this is in the range of 3-4 % these days. 
Thank you
Product: Credit reporting or other personal consumer reports

I sent off dispute letters to XXXX, XXXX XXXX TransUnion asking them to remove all unverifiable information from my credit report. The letters week of XX/XX/XXXX to XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

U S DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off on the RELIABLE account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle from a dealership and shortly thereafter the vehicle quit running. This vehicle fell under the rules required for the Lemon Law so I returned the vehicle within the time allotted and was told that there would be no negative reporting on my credit report, but that turned out to not be true. This incorrect reporting of a charge-off is harming my credit score and  this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Debt collection

I received an alert from XXXX XXXX that there was a debt in collections listed on my report. When I checked it out, it said I owed money to Diversified Consultants in the amount of {$1200.00}. I have no knowledge of this debt, have never done business of any kind with Diversified Consultants, and am requesting this be removed from my credit report immediately.