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

This is my several requests 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 following items : XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance  : {$12000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XX/XX/2021
Product: Mortgage

I applied for a loan modification and a file was completed 37 days before the sale date. A representative from XXXX took a personal interest which was negative and denied the file while we were on the phone with him. He was stating there was one item missing. We called back the same day and sent the document to a supervisor who stated the file never should have been closed and she would try to reopened it, which she was unable to do. The representative who denied the file is XXXX XXXX XXXX he was very rude and denied the modification stating we were under 37 days, although this was not true it was day 38. We then filed a complaint against representative. The supervisor stated they will call me back to let me know if XXXX supervisor will reopen file and stated it was denied in error. Our complaint also stated to remove XXXX XXXX from the file. He was no removed. We went to court to have the court move the sale date which was approved and we submitted the loan modification a second time. XXXX XXXX failed to even open the file until after the 37 day rule had passed, making us ineligible for a review. This is unfair how one representative with a bad attitude and a need to hurt others should be allowed to make a decision that no one can fix. 

I then filed a complaint with the CFPB and the file was opened. A fast and incorrect review was conducting and I was denied within days as Rushmore stated I did not have enough income. My income was more then enough. My debt ratio was under 25 %. I explained to them that they left out half of my income in the file. I then sent an appeal which was denied days later because the sale date was " too close '' as the rep stated to me over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX my wife added me to her savings account at a small credit union. Formerly XXXX  XXXX company in XXXX Georgia. It is now XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The loan officer told me he needed to check OFAC, which is fine, and also check for outstanding bank fees or accounts. At this point he performed a hard credit pull rather than to use XXXX XXXX I am very dissatisfied that he went ahead and did this and it was unnecessary and rather sneaky. Now I have this unneeded ding on my credit.
Product: Mortgage

I was given a equity loan 10 and a half years ago were I was to pay interest only. I have done this on time for all this time. The bank half a year ago told me I was after the 10 years to pay them principle and the interest. I am willing to do this but the principle they want me to pay is much more my wife and I can afford. We are in our XXXX and live on social security and a part time job. After talking to a government foundation who tried to help us for over 4 months they the foundation told us we should file bankrupty before the bank as treatened foreclosure on our home for over 35 years. Please help.
Product: Debt collection

I am filing this complaint because multiple collection agencies have violated federal consumer protection laws. Below are the specific issues and violations : 1. Failure to Provide Validation Information The agencies listed above have failed to provide the validation information required under 12 CFR 1006.34 ( d ) and 15 USC 1692g ( b ). Despite this failure, they have placed collections on my consumer report.

2. No Opportunity to Dispute the Debt I was not given the opportunity to dispute the debt, as required under 12 CFR 1006.34 ( 9 ).

3. False, Misleading, and Deceptive Practices The agencies are engaging in false, misleading, and deceptive practices by misrepresenting the nature of the debts in violation of 15 USC 1692e. 
4. Unauthorized Reporting to Credit Bureaus These agencies are furnishing information to credit reporting agencies without providing required disclosures or validation of the debt, violating 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Consumer Actions Taken In my dispute letters sent to these agencies, I : 1. Disputed the debts in full and stated I do not owe them.

2. Revoked their communication rights via email, text, or phone calls.

3. Requested validation of the debts, including : Proof of the purchase agreement between the agency and the original creditor. 
Evidence that they are licensed and bonded to collect in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to take appropriate measures to safeguard the data of 143 million accounts, putting my identity at risk.
Product: Money transfer, virtual currency, or money service

This is concerning Cash-App, I opened an account on XX/XX/XXXX, and then just like that on XX/XX/XXXX they stopped me from receiving funds into my account. I have submitted everything they requested ( ID, pictures, etc ). I have money sitting in the account that I can't accept money. So my account is basically frozen, and they are not giving me a reason or cause as to why. The account is still open and pending??? I don't understand what they are doing. And why they are dragging their feet. Again, I have given them everything they have asked for. This appears to be fraud to me because they are holding my money with no explanation to me whatsoever. 

XXXX XXXX
Product: Student loan

I have been on the IDR repayment plan for my student loans since XX/XX/XXXX. My payment has been based on my income which has made my payment amount {$0.00} up until XX/XX/XXXX, when my payment started to be {$23.00}. I was making ontime payments up until COVID pause was put into place. In XX/XX/XXXX I submitted PSLF application for the time of XX/XX/XXXX when I started working at a school. My application was accepted in XX/XX/XXXX and I recieved credit only for the time of having to make a payment above {$0.00}. I have requested a recount and have still only recieved credit for 36 payment. I should have 103 qualifying payment as {$0.00} payments are supposed to count.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not mine : XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, and XXXX XXXX, XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the recently passed CARES Act, lenders/credit card companies are to work with their borrowers, yet we have found this NOT to be the case with XXXX  XXXX, XXXX XXXX, nor Citibank, all of whom will be made whole through the stimulus package ... yet they can not assist their borrowers and are offering nothing in the way of a deferment of payments, only the removal of late and/or over limit fees. 

We had reached out to these companies as our business had a $ XXXX loss of income between XX/XX/XXXX to XX/XX/XXXX due to COVID-19 ( as all of our customers opted to go on hold ) and our income from that time is now {$0.00}. 

Additionally, XXXX XXXX has reported a 30 day late on our account to the 3 credit bureaus, and neither XXXX XXXX nor Citibank will confirm that they will not be following suit. 

We have contacted the credit bureaus, but have had no such luck trying to work through the lenders. 

We are asking that these companies be contacted regarding their blatant disregard to working out a deferment plan with borrowers and that they NOT be allowed to report any late payments to the credit bureaus during this time, which is in accordance with the provisions of the CARES Act. 

Lastly, we have reached out to our attorney, as the only way to return to our good credit ( of which we had no late payments nor derogatory marks ) will most likely be to file a class action lawsuit. 

Thank you for your help.
Product: Debt collection

This company, XXXX XXXX XXXX is bogus and finds accounts to pin on innocent people that have NEVER applied for the " said '' accounts. I have NEVER financed furniture and have an account listed for {$2500.00} since 2016 that is reportedly for a company that was a fly by night furniture company in XXXX and is no longer in business. I have contested it repeatedly and finally got it off of XXXX  and XXXX  but XXXX  won't remove it for some reason. This company has not been able to produce ANY documentation of anything I signed, no copy of my ID, no proof of address where the furniture was reportedly delivered to. It's ridiculous and should NOT be allowed by these credit bureaus. 

I have attempted to reason with this company in the past to no avail. The XXXX  is FULL of complaints about this company and is even marked as a high alert due to high number of fraudulent reports. 

This account is negatively affecting my credit file and I need to get it rectified asap. 

Thank you.
Product: Debt collection

It is disconcerting that a reputed credit bureau would permit the dissemination of misleading information without thorough verification. The information listed on my credit report reflects a late payment on the aforementioned account. I emphatically contest the accuracy of this reporting, as I have consistently maintained a punctual payment history with the creditor in question. There has never been a situation where a payment has been overdue, and it is perplexing to find such misleading information tarnishing my credit profile. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
DISCOVERBANK XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand that errors can occur, but the inclusion of inaccurate information on my credit report has serious repercussions for my financial standing and is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly investigate this matter and take the necessary steps to correct the inaccuracies on my credit report.
Product: Vehicle loan or lease

My original lease was with a different company that sold my lease to another company. The information listed was incorrect. It was joint lease where I was listed as the co-borrower. The other company that the lease was sold to had my car repossessed. I was unable to gather any information on the vehicle due to them listing me as the co-borrower when I was the original borrower. I did not sign a contract with the company whom had bought my contract from the previous company. I do not believe this should remain on my credit which has made it impossible for me to attempt to get another car lease.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Inaccuracies Dear Sir/Madam , I am writing to formally dispute inaccuracies in my credit report as provided by the XXXX major credit bureaus : XXXX, XXXX, and XXXX. It has come to my attention that my credit card account, which is in good standing with a perfect payment history, has been deleted from my credit report, effectively shortening my credit history. 

Details of the account are as follows : - **Account Number : ** XXXX - **Account Type : ** Revolving Account Opened XX/XX/XXXX - **Status : ** XXXX XX/XX/XXXX - **Payment History : ** No late payments, paid as agreed I have received multiple letters from all three bureaus requesting additional identification, despite having already provided all necessary information. This continual request for information is unnecessary as I have verified that my records are complete. 

The actions taken by the credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ) regarding willful non-compliance. As my credit report reflects, all three bureaus have acknowledged my account status as " OK, '' and there are no discrepancies in my payment history. 

I kindly request an immediate investigation into this matter and urge you to ensure that my account is accurately represented in my credit report. Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, CFPB PLEASE HAVE THIS ACCOUNT REINSTATED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX***XXXX is reporting a charged off collection on my account. However this is past the statute in Utah and I no longer owe this debt. This needs to be removed off of my credit.
Product: Credit reporting or other personal consumer reports

Disputing accounts I have no knowledge of. Disputed on all credit accounts and sent mail. Collections of {$1900.00} and {$500.00}
Product: Mortgage

CRESTMARK MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX ON XX/XX/2020 CRESTMARK MORTGAGE submitted an inquiry for my CREDIT REPORT WITHOUT MY CONSENT. On XX/XX/2020 I advised CRESTMARK MORTGAGE that I have selected a MORTGAGE COMPANY and did not need their services. 

CRESTMARK MORTGAE has a referral relationship with XXXX XXXX, which is a HOME BUILDER. In XXXX on 2020 XXXX XXXX   required that I get a PRE-APPROVAL with CRESTMARK MORTGAGE in order to purchase a home with XXXX XXXX. The sales person advised that it is a requirement from XXXX XXXX  DIVISION PRESIDENT and all applicants must get preapproved with CRESTMARK MORTGAGE. 

I strongly believe I was wronged by CRESTMARK MORTGAGE and was taken advantage of, which is effecting my credit score and my credit report due to the NON CONSENT to pull my credit.
Product: Credit card or prepaid card

In XX/XX/2023 I applied for and received a PayPal Credit Card serviced by Synchrony Bank. This card was tied to my PayPal account. I did not receive a statement after two months use but I did receive a notification from Pay Pal that the account was in arrears. I was confused by this but assumed that there was a processing problem. I immediately debited my checking account and completely paid off the total balance on XX/XX/2023. After doing so I received notification from PayPal that a payment was made and my balance was {$0.00}.

I also contacted PayPal to report my difficulty receiving timely statements and was told to contact the Synchrony Bank about that issue. When I contacted Synchrony Bank I was told to establish a direct debit from my checking account. The customer service representative also said that interest charges and fees would be reimbursed to my account. I provided my checking account information to Synchrony Bank and assumed that the issues were resolved. 
In late XXXX I had again not received statements but was surprised that I got a notification from PayPal that my account was overdue. I had assumed that the direct debit if my checking account to pay balances was in place so I was surprised. I contacted Synchrony Bank and was told that direct debit of my checking account ( auto pay ) was not in place, and that I had a large overdue balance as well as fees and interest due. This time I asked for a review of my statements which.to my knowledge I never received. I was told to look for the statements in my Spam/Junk mail. When I did that I was surprised to find that, indeed, the statements were in the JUNK file because they were identified as service @ paypal. After reviewing the charges, which were accurate, I told Synchrony Bank that I wanted to terminate my card. After several conversations with customer service agents, and several dropped conversations, I was finally told that I could not close the account until I paid the outstanding balance, including the interest and fees from BOTH episodes. At this point I simply wanted to end my relationship with this bank and paid the balance in full. After the payment was cleared, I called to cancel the card and was told that in addition to the late fees and interest I would also forfeit my cash-back account in the amount of {$130.00}. So this experience cost me {$80.00} in late fees + {$88.00} in interest charges + {$130.00} forfeited from the cash-back account. {$270.00} in total. This after being told on three occasions that the fees and interest would be credited to me because of the mix-up.

I cant help but believe that this pattern of behavior is deliberate on the part of Synchrony Bank and the Pay Pal Credit Card. I can also assume that this response from the Synchrony Bank and Pay Pal have adversely affected my Credit Score.

This organization needs to be held accountable for this despicable behavior.
Product: Credit reporting or other personal consumer reports

I signed a car lease with my ex partner back in XXXX and we've been broken up since XX/XX/XXXX. We agreed on the payments and responsibility would be on them and not mine. I just found out last month that my credit score has been affected because my ex-partner wasn't been making any payments ; for the amount of XXXX and the remaining balance of XXXX. I've tried reaching out to them about the finance company wanting the payments and car back but she has ignored my messages and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. There are fraudulent accounts on my credit report that are not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my State ID and a utility bill. I also have a NOTARIZED letter stating it is me that submitted everything to the XXXX reporting agencies. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$810.00}
Product: Checking or savings account

Opened the account a few months ago, added my husband to it as well. We both sent in all required documents as requested. We received no further communication that USAA needed additional documentation through phone, text, email, mail, or their account message system. They closed the account without warning leaving us without access to our money until the paper check arrives in the mail. I dont have any documents to show what happened as they never sent any and the account is gone. I called them for help and they told me their is nothing they can do because the account is already closed.
Product: Debt collection

NCC BUSINESS SERVICES continued to attempted to collect the wrong amount of a debt they claim I owed. The account NCC  BUSINESS SERVICES claims I owe is incorrect and not accurate and they have not provideed enough information to verify the debt they are attempting to collect. I have documentation showing the original amount owed to the original creditors were paid. NCC BUSINESS  SERVICES has threatened me and threatened that my credit would be damaged if I didnt settle the debt in question. I summited documents and demanded they reinvestigate this debt at once and NCC BUSINESS SERVICES failed to do so and notified me of their reinvestigation status or results. NCC BUSINESS SERVICES  continued to contact me and I requested they notify the 3 credit  bureaus and have this incorrect debt/collection account removed and the representative was very rude and used profane and abusive language. I then told the NCC BUSINESS SERVICES representative  to stop contacting me, but they continue to call.
Product: Debt collection

I recieaved a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called XXXX on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from XXXX showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from XXXX which was now over 60 days later of me entering a dispute. What XXXX sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me.
Product: Credit reporting or other personal consumer reports

Urgent Request for Immediate Removal of Inaccurate Account and Potential Legal Action I am writing to urgently address the inaccuracies associated with the account listed below on my credit report. Despite multiple prior investigations into this matter, the inaccuracies persist, causing significant harm to my credit score. 

Account in Dispute : XXXX XXXX XXXX XXXX XXXX XXXXXXXX As stipulated under Section 623 ( a ) of the Fair Credit Reporting Act ( FCRA ), furnishing inaccurate or Incomplete information to a credit reporting agency is prohibited. The account in question has several months reported as " No Data, '' as evidenced by the attached documentation from EXPERIAN THEMSELVES!!!!!!!!!!!!!. This represents a clear violation of the FCRA, which mandates accurate and complete reporting. 

If experian or XXXX actually did in investigation into this matter they would see this is a CLEAR VIOLATION of the fair credit act I believe the companys have NOT performed a proper investigation into this matter at all!!!!! 

This is my fourth attempt to resolve this issue, and I have also submitted a formal complaint to the XXXX. If this account is not promptly and permanently removed from my credit profile, I will be compelled to pursue legal action under the FCRA and file a complaint with my State Attorney Generals office. 

Please provide an updated copy of my credit report upon the completion of your investigation. To facilitate this process, I have included a government-issued photo ID, proof of address, social security card, and documentation of the inaccurate payment history and prior investigations. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint about a Public Record USBK COURT SOUTHERN FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway.. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.