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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$2000.00}, {$17000.00}, {$7500.00}, {$6900.00}, {$5500.00}, {$8000.00}, {$6500.00}, {$15000.00}, {$10000.00}, {$10000.00}, {$1000.00}, {$8900.00}, {$26000.00}, {$4600.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 








5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

8. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6500.00} -This is not my account. 

9. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

12. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

-- PERSONAL ACCOUNT 14. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4600.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm very disappointed in the handling of the major credit reporting agencies inwhom is responsible for whats being reported on my report. I have disputed these accounts but its obvious that imma have to file suit against the credit reporting agencies. There's a reappearing account ( XXXX XXXX {$1000.00} ) inwhich according to the FCRA when this happens the credit reporting agencies shall notify the consumer within 5 days. Also these following accounts are not mines, ( 1 ) XXXX XXXX XXXX {$1000.00}, ( 2 ) XXXX XXXX XXXX  {$920.00}, ( 3 ) XXXX  XXXX XXXX {$730.00}, ( XXXX ) XXXX XXXX {$26000.00}, I'm demanding that these accounts be removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, CREDIT ACCEPTANCE CORPORATION 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

89
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax to challenge inaccurate information in XX/XX/XXXX. I successfully won the dispute and the account was deleted from my credit report. On Saturday XX/XX/XXXX I received a reinsertion letter from Equifax adding the account back on my credit report. The account was put on my credit report effective XX/XX/XXXX. This is a violation of the FCRA. I was not notified within 5 days of reinsertion and I already had the account removed due to previous FCRA violations. I want the account once again deleted from my Equifax credit report.
Product: Student loan

Mohela will not process my SAVE application! 

I applied for it on XX/XX/XXXX. 

On XX/XX/XXXX, I called because I received a bill for over {$600.00}, and they hadn't finished processing my application for the SAVE repayment plan. I called them, they put me on another administrative forbearance, and said my application should process within 10 business days after that. 

Today it is XX/XX/XXXX, and I just received another bill for {$640.00} that is due in XXXX, and they STILL have not processed my SAVE application! I tried to call them today and have been trying to get a hold of them for over 4 hours. I called and used the function for them to call me back instead of waiting on hold ; they called back and hung up immediately when I answered. I tried again, they called me back with a trainee on the line, and the trainee said she couldn't help me and placed me on hold for transfer. I waited on hold for 2 hours until my phone died ( there was no callback option this time ). 

They are also charging interest while I'm on the administrative forbearance. So the longer they take, the more money they make.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  - 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, our XXXX hosted a XXXX XXXX which lasted till XXXX after cleanup and money count. We went to the Chase ATM close to the school to deposit our cash so we wouldn't have it over the weekend, but when I submitted the stack, the ATM had an error. I removed the stack and tried breaking it into XXXX. The 1st stack seemed about accurate, the 2nd stack seemed short, and after the last stack in I knew we were short by {$410.00}. I attempted to cancel the transaction thinking it would refund my entire stack of bills, but it did not. Someone pulled up behind me to use the ATM so I pulled over to the side and called the XXXX XXXX to see what to do. She said they would give us the missing money after I file a claim, so I deposited what I had left ( {$1300.00} ) and filed a claim the following day. My husband ( also a XXXX XXXX ) was in the car with me to verify all this. Chase gave the money back right away at XXXX, but a month later took it back, saying they weren't off in the ATM. I am missing XXXX $ XXXX, XXXX $ XXXX, and XXXX $ XXXX according to our cash count sheet which was verified by 2 people prior to deposit. The ATM also had a note on it the following month stating they had deposit issues and not to deposit any cash, so I know it's not just me having deposit issues. They still refuse to give us our money back. Claim # XXXX was our original claim & they kept closing it after XXXX conversation with us after their initial reversal. No one else will help us.
Product: Student loan

My wife and I are parents that have had XXXX children go to college that are paying back student loans. I supported all of my children by co-signing for their loans, one of which, I was able to pay off. In order for my youngest child to finish college at XXXX XXXX University, over the phone, I agreed to the loan, later to find out it was a " Parent-Plus loan '' loan that she nor I were given details about the loan terms, nor did we understanding this type of loan or the ramifications of it's terms. My daughter called me from the finance office of the school at the last moment for her enrollment. My complaint revolves around how my payments, to date, are being credited to the loans, extreme interest charges, and the lack of explanation as to why and how the fees and charges are causing the loans to increase, regardless of the payments made to date. The original loans for the Parent-Plus Loans totaled {$36000.00}. Since XX/XX/XXXX, I have consistent made payments totaling XXXX, but my total balances have continued to increased, to date, to {$42000.00}. I have attached documents explaining the terms, payments and balances of the loans. My wife and I would like to apply for assistance with the loans or forgiveness, given that she and I are XXXX years of age and are at our retirement ages. Please review the attached " Account Balances Statement '', original loan amounts and outstanding principal balances column for balance discrepancies and exorbitant terms. Also see the Detailed Payment History report and Account Snapshot and advise. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed that there were multiple things that we're not correct. I sent a letter to Equifax XX/XX/year> here is my tracking number # XXXX but it has been more than 35 days since the credit bureaus haven't responded. That is a violation of 15 USC1681i ( a ) ( 1 ) ( A ) Under 15 USC1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) an exempt as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. which fall in line with why the CFPB Filed a lawsuit recently.
Product: Debt collection

Debt Solutions said they have a balance of XXXX to collect from me from XXXX. I did not have a balance with them. In -fact I am back with them after two years. I sent all equipment back and had a XXXX balance. XXXX ca n't give me an explanation and The Debt company ca n't either. XXXX keeps telling me to contact the other. Why have n't I heard of this before XX/XX/XXXX? If I did indeed owe money why would XXXX take me back as a customer? I am very frustrated with trying to get to the bottom of this exorbitant bill that no one can explain where it came from. I do not have any bills because I did not have a debt. XXXX will not send me anything to substantiate this. I have been rebuilding my credit since XX/XX/XXXX when my cards were stolen ( XXXX ), and misused ( not by me ) XXXX XXXX. I would not allow a debt to remain un paid or ignored. I appreciate all help.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute to Experian the beginning part of XXXX and I received the results today Report # XXXX and nothing was done other than updating with incorrect information and this has caused a tremendous drop in my credit. It is the Agency 's  responsibility to provide the consumer with validation and verification of these debts and this hasn't been done as of yet. 

You updated my report with the following incorrect information : XXXX saying it was charged off in XX/XX/XXXX, I DON'T HAVE A XXXX CARD SO THIS IS FALSE INFORMATION XXXX XXXX XXXX UPDATED THIS WITH CHARGE OFF INFORMATION SINCE XX/XX/2018 AND AGAIN, I DON'T HAVE OR HAD A XXXX XXXX CARD XXXXYOU UPDATED THIS TO BEING CHARGE OFF AS OF XX/XX/XXXX-I DONT HAVE A XXXX CARD SO THIS IS FALSE INFORMATION YOU CAN'T JUST PUT INFORMATION ON MY CREDIT FILE WITHOUT PROVIDING VISIBLE PROOF OF VERIFYING AND VALIDATING. THIS GOES AGAINST THE CREDIT LAWS FCRA ALSO THE FOLLOWING CREDIT INQUIRIES NEED TO BE DELETED ALSO AS THEY WEREN'T AUTHORIZED : XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX THE FOLLOWING ADDRESS DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I instantly called Transunion the moment I received the copy of my report that I purchased with XXXX XX/XX/, 2022 and from the time when I saw some UNVERIFIABLE items on my personal profile, I discovered that there were CHARGE OFF and COLLECTION accounts XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX my credit report which are UNKNOWN to me . This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was 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 information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts are inadvertently resulting in me being extorted.
Product: Debt collection

SCAM! FRAUD! not sure what they want, they call from different numbers do not leave voice messages when i don't answer. Not sure, they call all hours of the day and night.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

I started the re fi loan process with Loan Depot and the person I initially spoke to was XXXX XXXX ( Licensed Lending officer ) who took my information told me I would be able to qualify. I then scanned and emailed all necessary documents to him. This process started on XXXX XXXX. 
Then I get a call from XXXX XXXX ( XXXX  Incubation Manager ) and she was very professional and explained the process and if I had any questions to please contact her. 
On XX/XX/XXXX, I started another correspondence with XXXX XXXX, Senior account Manager who is requesting more documents which I emailed. She then tells me that I need to do a profit and loss statement. I told her I am a sub contractor and don't own a business and I use a 1099. She said a contractor is self employed and she said to look on XXXX profit and loss samples and complete one. Without this the loan could not move forward. I have never had to do anything like this for a refi. I am guessing this is just another attempt at bait and switch tactics. I am asking for the reimbursement of the {$21.00} fee for credit report and emailing and scanning fees from XXXX which amounted to {$34.00}. I told XXXX XXXX to have XXXX XXXX call me on XX/XX/XXXX and I will address my concerns to her, I have not heard from anyone from Loan Depot yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THE FOLLOWING ACCOUNTS ON XX/XX/2021 ISSUE HAS NOT BEEN RESOLVED. THESE ACCOUNTS ARE NOT MINE. 

1.XXXX ACCOUNT NUMBER : XXXX 2. XXXX XXXX ACCOUNT NUMBER : XXXX 3. XXXX ACCOUNT NUMBER : XXXX 4.XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

on XXXX i sent certified mail to XXXX XXXX XXXX XXXX XXXX XXXX asking them to verify my mortgage payment history and information because it appears to be inaccurate ( late payments shown - which is inaccurate - also, account was paid in full in XX/XX/year> and closed in good standing ). more than 30 days passed no response received from XXXX. 

On XXXX i sent certified mail to XXXX & EQUIFAX stating the above along with all certified mail associated with the above referenced correspondence and XXXX & EQUIFAX took no action ( it has been over XXXX XXXX months since then ).
Product: Credit reporting, credit repair services, or other personal consumer reports

credit karma and XXXX, XXXX states to CFPB XXXX  not reporting but Credit Karma is stating XXXX is reporting to them and they can not remove it because they are not a credit Bureau enclosed is a letter showing that credit karma by reporting is a collection company and reporting company falls under the FDCPA and FCRA please remove this alleged account at once XXXX  XXXX /
Product: Mortgage

My mortgage servicer has missed my school property tax payment. 

- Due in the amount of {$2700.00} on XX/XX/XXXX. 
- The payment was not made. 
- Called customer service XXXX, XXXX to remind them that payment was now due on XX/XX/XXXX in the amount of {$2800.00} - Emailed property tax bill and details on XX/XX/XXXX to customer service and followed up with a phone reminding them payment was due on XX/XX/XXXX. 
- XX/XX/XXXX - XXXX XXXX to confirm payment was made. No payment was on file. 
- Emailed customer service on XXXX, XXXX to inform them that payment was not made timely and was now delinquent. 
- Called customer service on XX/XX/XXXX to follow up on whether payment would be made timely. Resent updated tax bill with penalties. 
- XXXX, XXXX - XXXX XXXX. No payment was made by service for school tax. 
- XX/XX/XXXX, received letter from collections lawyers saying payment was now in collections. 
- XXXX, XXXX - emailed collections letter to Mortgage service and spoke to customer service 5 times in the month of XXXX. 
- XXXX, XXXX, XXXX - no payment made by the deadline for debt collector and no communication from the mortgage servicing company. Payment remains outstanding.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/year> I was contacted at my place of work claiming to be an officer. They said I had missed a court date and was being fined {$2000.00}. They told me to first get the money in terms of crypto currency but the machine closest to my location was broken. Then they had me transfer the funds through my 5/3rd account via the XXXX app XXXX I sent {$1000.00} as that was all I had. They confirmed the money was sent and disconnected the call. I then went to the actual police station as I believed I was still in trouble and in contact with actual authorities at that point where they informed me I had been scammed. I filed a police report and sent a fraud complaint to my bank. XXXX  the XXXX I got confirmation that I do not get any of my funds back.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX  XXXX XXXX : {$370000.00}