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

I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and XXXX, Equifax and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.
Product: Student loan

In XX/XX/XXXX I applied to switch from the SAVE plan to IBR plan. At that time MOHELA should have switched me from the administrative SAVE forbearance to a processing forbearance. They did not do so. I realized this in XX/XX/XXXX and called them. After over 5 hours on hold, I was told by a supervisor that I would be switched and that it could be retroactive to XXXX. I was told I would receive a notice saying I was switched. I did not receive a notice. In XX/XX/XXXX I called in again. After XXXX hours on hold I was told that they could take me off the administrative forbearance, but it would take 10 days to process. At that time I could call in and request to be put on a processing forbearance. They stated that they were unable to make the processing forbearance retroactive and that the only people who could do that was the Federal Student Aid office. I contacted Federal Student Aid who told me that they do not handle anything related to forbearances and that only MOHELA could make it retroactive.
Product: Payday loan, title loan, personal loan, or advance loan

I had been looking into loans for debt consolidation and received call from an agent from Thinkwallet Loan. He took info and gave me a loan number ( XXXX ). I was then transferred to his supervisor ( XXXX XXXX ). XXXX XXXX proceeded to also take my info and was releasing to his supervisor. He called me back and said the XXXX loan was available but due to my credit I would need to buy insurance. I sent the insurance amount. As he was registering my payment I asked if he needed my bank info that his agent had gotten to verify. He said no, he reported the loan amount to XXXX XX/XX/XXXX. I was to pay the tax for the bank to transfer the amount of XXXX. The agent at XXXXXX/XX/XXXX told him that XXXX would be the amount needed for this transaction to work. At this time he upped my loan amount to XXXX to cover the tax. Again I asked to verify the bank account. He said he didn't need it. This was a Friday, XX/XX/XXXX. On Monday XXXX XXXX called to verify that the money had been deposited to my account. I asked him when I would receive loan documents. When the money had not been deposited he said he called XXXX XX/XX/XXXXand they told him it had. He finally double checked with me for bank info. He said he called XX/XX/XXXX again and he had transposed the last 2 numbers in my account and the loan had gone into another account at XX/XX/XXXX and that the account holder had taken the entire amount and closed that account. I was going to stop this but he explained that because of the insurance that I was protected and could still receive my loan. After this it became a continuous issue that money was needed to clear this up. After I had relinquished {$2200.00} I told him no more, that I wanted to cancel this loan and I wanted to be reimbursed for my money. He stated that my monies were non returnable and that if I canceled the loan now I would lose my entire payout. I told him I had not been shown or told that I wouldn't get my money back and that I wanted it. And that I wanted a company check no transfers. He tried to call me several times after.
Product: Credit card or prepaid card

I am a natural person and consumer who has received unfair treatment by Synchrony and its business affiliate, a well known hardware merchant. 

In a previous CFPB complaint, XXXX, Synchrony pledged to remove the fraudulent inquiry made on my consumer report on XX/XX/2021. This was to be completed within 60 days of my complaint however, the inquires still remain on my consumer reports. Pursuant to 15 USC 1681b, Synchrony received my consumer report but has no written instructions from the consumer ( me ) to whom it relates. This constitutes a violation of Title 15, Chapter 41.

Synchrony also violated 15 USC 1681d and 1611 as they caused to be procured an investigative consumer report and did not accurately disclose to the consumer ( me ) that such report would be made. This too constitutes a violation of the Title 15, Chapter 41.

Sychrony continued to report that they made a fraudulent inquiry on my consumer report well past the date they claimed they would remove the inquiry in CFPB complaint XXXX. Synchrony is in violation of 15 USC 1611, by continuing to report false and inaccurate information to consumer reporting agencies, therefore ruining my reputation and defaming my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon is been several times the I try to fix my credit calling and send email to one specific credit bureau and always reject my claims I been working on fix my credit and have credit cards with different banks but with dif bureau looks like one is not help me it all I think is no fair why others bureau help me out and this specific one wont how can we do? Dont know how.
Product: Mortgage

I recently switched Homeowners insurance companies and filed for the homestead act to lower my property taxes. After Rocket Mortgage performed my escrow analysis, they're showing I actually owe over XXXX. It appears my previous insurance company ( XXXX XXXX ) billed them once in XXXX and requested for payment back on XXXX. My insurance wasn't due until XXXX, XXXX. Per Rocket Mortgage, it's now my responsibility to contact XXXX XXXX whom I'm no longer a customer of and attempt to refund the payment back. I was never notified by Rocket Mortgage and there are no checks and balances being done. An insurance company can just request a payment without a reason. This is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX  :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Checking or savings account

On XX/XX/XXXX, I learned that Enterprise XXXX, XXXX ( " Enterprise  '' ) had unlawfully charged my JP Morgan Chase Bank , N.A . ( Chase ) checking debit card in the amount of {$650.00}, and immediately disputed the charge. I provided Chase with the correspondence I had sent Enterprise dated XX/XX/XXXX, requesting from Enterprise its invoice for any outstanding amount ( s ) due, and since Enterprise was authorized to charge my debit card, out of precaution, I also sent Enterprise correspondence revoking authorization for any future debits. More importantly, I also provided Chase with Enterprises invoice dated XX/XX/XXXX, showing a {$0.00} balance. 

On XX/XX/XXXX, Chase informed me that they had denied my dispute. On XX/XX/XXXX, I sent Chase a Stop Payment Order and requested the documents Chase relied upon to make the denial pursuant to 12 CFR Ch. X, Pt. 1005 ( Regulation E ), et al. 

Chases findings that the transaction processed on XX/XX/XXXX, or 51 days after revoking authorization, in the amount of {$650.00} was properly " processed according to the information I provided '' is clear evidence that Chase has failed to properly initiate an investigation in accordance with Regulation E. On XX/XX/XXXX, Chase debited my checking account in the amount of {$650.00}, without providing me with the requested documents pursuant to Regulation E.
Product: Debt collection

Subject : Dispute of Debt Request for Validation Dear Sir/Madam, I am writing to formally dispute the debt listed under my name in your records and request validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

The details of the debt in question are as follows : Account Number : [ Insert Account Number ] Amount of Debt : [ Insert Amount ] Date of Debt : [ Insert Date ] As per the FDCPA, I request that you provide the following within 30 days of receipt of this letter : 1. Proof of the debt : A copy of the original signed agreement or contract that created the debt.

2. Itemized account statement : A detailed breakdown of the amount owed, including principal, interest, and any fees or charges added to the account.

3. Verification of your authority : Proof that you have been authorized to collect this debt on behalf of the original creditor.

4. Complete payment history : A full account history showing all payments and adjustments made.

In accordance with 15 U.S.C. 1692g ( b ), please be advised that until you provide verification of this debt, I request that you cease all collection activities, including reporting this debt to credit bureaus. Under the FCRA ( 15 U.S.C. 1681i ), I also request that you remove any incorrect or unverifiable information regarding this debt from my credit report.

I understand that you are required to investigate and respond to my dispute within 30 days. If you fail to provide the required validation, I ask that you promptly cease any further collection actions related to this debt and remove any negative reporting to credit bureaus.

Please confirm receipt of this letter and provide an update on the status of my dispute.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Request for Blocking and Deletion of Accounts Due to Data Breach I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts mentioned below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

The accounts in question, which are at risk due to the breach, are as follows : XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$630.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$440.00} XXXX. XXXX XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$630.00} Additionally, I am requesting that the following inquiry also be investigated and removed as part of this process : XXXX XXXX XXXX XXXX o Inquiry Date : XX/XX/XXXX
Product: Vehicle loan or lease

XXXX XXXX XX/XX/2020 I took my vehicle to its regular service and a few days later my service light came on stating it had Low or no oil at all the service performed and the vehicle shut off by itself and took it back to the dealer, & they claim someone else has put hands on my vehicle which all services has been done there and my self and the dealer should have physical copies of all services done. From that, they claimed that the engine block went out and needs replacing after they had just serviced the vehicle for that, & I have pictures of this incident
Product: Credit reporting or other personal consumer reports

I am filing this complaint because BMW and the 3 Credit Bureaus have violated several of my rights under FCRA XXXX ( Inaccurate Reporting ) FCRA XXXX ( Willful Noncompliance ) - FCRA XXXX ( Failure to Investigate Accurately ) - Additional violations : Chain of Title issues, proof of securitization, lack of verification, first date of delinquency, last payment amount, and written consent. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and complete reporting of my credit information. This contain inaccuracies, including unverified late payments, and non-permissible purpose Statement of Fact - Permissible Purpose & FCRA Section XXXX ( b ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the law mandates that a consumer reporting agency shall block and delete information resulting from identity theft within XXXX business days, provided the information meets the requirements. I request the immediate removal of the following accounts during your investigation. Any attempt to rescind or stall my request to block this information, or any response stating a rescind clause under FCRA XXXX ( b ), will be seen as evidence of willful non-compliance with the FCRA. 

Further Discrepancies - Late Payments : I have identified late payments that have not been fully verified as required by XXXX XXXX compliance standards. Failure to provide this specific documentation renders these late payments unverifiable. As such, they must be removed from my credit report, as they do not meet the requirements under FCRA for accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows charged off in 2018 on my three credit reports. After the charge off XXXX XXXX shows account open and late payments on the same account. I have disputed due inaccurate information with all three credit bureaus. The bureaus refuse to remove the inaccurate information and XXXX  XXXX  refuses to remove inaccurate information for years now. This is affecting my credit score for years now. This is against the Fair credit reporting act. This company is knowingly keeping false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment reported for XXXX XXXX  when account was put on payment plan in XXXX XXXX XXXX. Account is current and paid satisfactory.
Product: Debt collection

I found a debt in my name for {$150.00} listed on my credit report. Through investigation, I was able to discover that the collection agency reporting this {$150.00} was doing so on behalf of a medical facility in a state I have never visited. I wrote the credit reporting agency ( XXXX ) in XXXX 2017,  who said I had to deal with the debt collection agency. I wrote the debt collection agency ( SCA Collections ) in XXXX 2017, who said that they could not provide me any proof or providence of the debt because of HIPPA laws protecting medical information. I wrote the original debt holder ( XXXX XXXX XXXX XXXXXXXX ) in XXXX 2017 who have never responded to my requests for proof of debt.
Product: Credit reporting or other personal consumer reports

I have tried many times to get Comenity Bread to report the account as OPEN/NEVER LATE. The company continues to report the account as CLOSED on my XXXX and XXXX XXXX credit reports. This is not correct. THE ACCOUNT IS OPEN AND BEING USED EACH MONTH. I need them to report the correct status
Product: Credit reporting

Experian has accounts that been close for a while in my account and it 's making my credit score low. Even though, I have XXXX accounts on the positive side my credit score should be higher. Years back I complained to them about some accounts that were close and was still in my account. This low score is preventing me from progressing in the job market. Please help me remove these old accounts from my credit.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently looked at my credit report, and I noticed an account on my report that should not be on there with a negative mark. 

I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - Paid in settlement. {$7600.00} written off The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. 
I demand complete removal of the account as a XXXX XXXX and reflect proper paid off comment in full. this has affected greatly my consumer reports and life.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX IN # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Checking or savings account

On XX/XX/XXXX I sent an online payment, through Citibusiness bill pay, to our landlord XXXX XXXX in the amount of {$28000.00}. 

On XX/XX/XXXX I was advised by XXXX XXXX that they never received the payment. When I checked our Citibusiness online account, I was able to confirm that the amount of {$28000.00} was removed from our account. When I looked at the transaction details ( attached ref # XXXX ) I saw that the check, that had been intended for XXXX XXXX, was altered to someone named XXXX XXXX XXXX and had been cashed. Upon seeing this I called XXXX XXXX, my Citibank business manager, for advisement on what I should do. 

On XX/XX/XXXX Citibank customer service was contacted to advise them of the fraud that had occurred. We were given a case number ( XXXX ) and we were advised that someone would be in contact with me ( through mail and email ). 

On XX/XX/XXXX I got the letter attached to this email, which made no mention of this payment being made to a fraudulent individual, or any sort of investigation that had been initiated by Citibank. 

On XX/XX/XXXX, I called Citibank customer service to let them know that the letter I had received made no mention of any sort of fraudulent activity. After another hour and a half of explaining the details of this matter, I was given another case number ( XXXX ) and again advised that someone from Citibank would be in contact with me. 

On XX/XX/XXXX, I still had no correspondence with ANYONE from Citibank regarding the missing funds and, once again, called Citibank customer service with XXXX XXXX again on the call. Once again, I explained the reason for the call and the representative who said that he could see our case number and confirmed my contact information. For a fourth time I was told that someone would be in touch with us from Citibank. 

On XX/XX/XXXX an email was sent to XXXX ( XXXX ) after more than a month from initially calling Citibank regarding the {$28000.00}, to let her know that I had not received ANY communication from Citibank. 

On XX/XX/XXXX, through my Citibank business manager, I was asked to go to a local Citibank branch to sign an Affidavit regarding the altered check. 

On XX/XX/XXXX an email was sent to XXXX XXXX in reference to this matter ( see attached ). 

On XX/XX/XXXX another email was sent to XXXX XXXX ( attached ). 

On XX/XX/XXXX I received a phone call from XXXX, who stated she is with the Citibank complaint department. She advised me that this matter is being investigated by TD bank, since that is the bank that cashed the fraudulent check. I explained that I am a customer of Citibank, NOT TD bank and this issue should be corrected for me with a full refund of the money that was withdrawn from my account.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me getting it back up going. I'm not sure if this is some mistake as I assume it has to be. I have not been able to get from them for months but I just remembered I could file a report on here as I feel they're not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX and I still have funds there it's XXXX XXXX and they decided to closed my account dated XX/XX/2020.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS NOW REPORTING LATE PAYMENTS AND SHOULDNT BE.