23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been part of the XXXX program for more than ten years. On XX/XX/ Mohela sent me a letter that stated I have met the 120 payment requirement to receive forgiveness. I agree. It has now been more than 120 days and I have not received the forgiveness and nobody in customer service has a clue on what the status is, where it is at in the process, or how long it will be until it is processed. This is completely unacceptable in the finance world. This impacts my credit and my financial health and well-being. The website and customer service team will tell you 30-90 days so I continued to be patient and wait. This is unreasonable and I want an immediate update on the status and most importantly for the loan to be discharged as it should be according to the program terms.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX authorized a new credit card which I never authorized and sent it to an address which is not mine. I received a notification on XX/XX/XXXX to me email and called them to let them know that I never applied for that card. XXXX advised me they would cancel the card and XXXX, in fraud department advised me they made a fraud claim for me. On XX/XX/XXXX I received another notice from the bank that another card was processed and shipped out. When I called XXXX on XX/XX/XXXX the fraud department told me that they could not find the claim that was previously done. This was issued after I put a fraud alert on my accounts. The supervisor appolozied and said she would cancel that one too and insured me she would submit a claim. 
Failing to report a fraud claim by a bank caused my identity to be stolen.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am deeply disappointed by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment is my entitlement, thus I kindly request a detailed account of their failures in upholding accuracy and compliance. The credit report I received is surprisingly inaccurate, given the expected adherence to the FCRA and applicable Metro 2 data field formatting standards. I challenge you to provide a verified, complete, and truthful document as evidence for each claim, as any deviation from these standards jeopardizes data integrity. My credit report is crucial to my financial well-being, and I urge the immediate removal of any false accounts for factual accuracy, verification, and compliance. 

Listed below are the Accounts that are being challenged : XXXX XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

Listed below are the Collections that are being challenged : XXXX XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX - XXXX This doesn't belong to me. - According to letter XXXX XXXX XXXX ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XXXX I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the above. 
XXXX and experian continue to resell fraudulent and inaccurate information to 3rd parties requesting the info. 

They resell innacurate info to new credit lines and continue to slander my good name. I have written libel from these companies. IT WILL STOP TODAY. 

Some I have authorized. Some I have not. ongoing dissemenation is further not authorized. only existing tradelines ( revolving card companies ) are ever given that permission to boost my balances. others have been continuously given my info. 

my info was sold repeatedly wo my consent. 
furthermore these companies refuse to delete info that others have. XXXX and XXXX have purged several accounts. these other bureaus have refused to comply. 

XXXX purged over 7 accounts. the others should do same-it is a FCRA violation not to. 

I have inquiries from the resell of my info I did not authorize. there is nothing " soft '' about it. 

This has unfairly affected my score and FICO, which  claims its about " fairness ''. Theres nothing FAIR about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Received an alert notification of a hard inquiry. I didnt authorize any inquiry onto my credit report. This needs to be removed immediately. on Experian credit report. 

XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Debt collection

RE : Cease and Desist Demand Dear Sir/Madam, I am writing to formally request that you cease and desist all collection activities regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) As, there is a negative impact on my credit score for the amount of {$200.00} as of XX/XX/year>. I am exercising my right to request that you stop all communication with me regarding this alleged debt. 

Please be advised that I dispute the validity of the debt you claim I owe. I am requesting no further contact, whether by telephone, mail, or any other form of communication, including calls to my place of employment, home, or to third parties. Any further contact from your agency may result in a complaint being filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states attorney generals office for violation of the FDCPA. 

Please take notice that I demand the following : 1. Immediate cessation of all communications regarding the collection of the alleged debt.

2. That you inform all third parties or affiliates working on this matter of my request for the cessation of all communications. 

This notice is effective upon your receipt of this letter. I request written confirmation that you have complied with my request within 30 days of the date of this letter. 

Failure to comply with this cease-and-desist request will leave me no choice but to pursue legal action to protect my rights. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I am not happy to see the below items that I wan you to validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3RD Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items 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 are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1300.00}
Product: Checking or savings account

I was charged overdraft fees because of late payments posted to my account over the last couple years. I was charged overdraft fees that put my account in the negatives and I owed navy federal the next time I got paid and this happened multiple times. I dont have specific dates because its been happening for years.
Product: Vehicle loan or lease

I have noticed on my credit report from chase that two loans were taking out falsely in my name for vechiles Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit acceptance corp on XX/XX/XXXX  I reached to the credit department from chase to help me identify the companys and report with the companys that it was fraud. Loan one was reported and taken off my report. loan 2 needs documentation and verification from an FTC report or police report to go further.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date
. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

The Money Source Re : extortion CRR # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX CT. XXXX Sirs, this is in response to your false allegations of arrearages and threats to file a false report to the respective credit bureau. I do not owe you the monies you claim I owe you. You have not provided any documentation to substantiate those allegations they are bare allegations. I have asked you for documentation that shows the debt you claim I Owe and as of this letter IHAVE NOT RECEIVED ANY DOCUMENTs to substantiate your claims. You promised that the documents would be forthcoming but its been more than ten days and no documents. In addition you are not applying the monies I have sent to pay my mortgage. You accuse me of being late and add to my astonishment a late fee of XXXXdollars. These are pure bully tactics that are not only unprofessional but in my view illegal. My taxes are current and the next installment are not due till XX/XX/, 2019. I  have paid my mortgage for XXXX fully. You are conflating the new tax increase with an additional installment on a debt of {$2500.00} that you claim I own without any proof. You make this allegation to justify the narrative to allege that my payment was incomplete and start foreclosure proceedings. You bought my loan from contour mortgage at which time you accepted the performance without claiming a breach had occurred I was faithfully paying them the same sum that I have been paying since the time you purchased my mortgage. I do acknowledge that my taxes have increased, and that amounts to a monthly {$64.00}. I have instructed XXXX XXXX  to include the new projection of taxes in my monthly payment but they have dismissed me as a customer because of your antics, your refusal to apply my payments and deem them insufficient. The payment on the loan is not and has not been partial as you allege. I expect that you will apply the payments to amortize the loan. In the mail I received your threat to foreclose on my property it is all a ruse to foreclose my property. Wow!! I am a senior citizen, a vet and suffer from XXXX XXXX XXXX. Needless to say that I will be praying that you stop your harassment of me and restore my standing with you or suffer the consequence of your ill-legal antics at the hand of overseeing agencies. Please inform me of the path you choose. I will only be XXXX, and availing myself of every legal recourse.
Product: Credit reporting

I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$1000.00}.
Product: Mortgage

My loan was transferred to Shellpoint Mortgage Services in XXXX of 2020. As of XX/XX/2020 the loan was paid in full and all loan requirements were satisfied to release lien and title. In order to transfer the property to real property from a mobile home, DMV ( Department of Motor Vehicles ) requires the original title or original release of lien to be provided. After contacting Shellpoint Mortgage reoccuring weekly since XX/XX/2020 to provide ORIGINAL release of lien or title I have still not received. Shellpoint mortgage has since operated like a predatory lender and violates their policy to send original copies of requested documents within 90 days. 

My wife lost her job due to COVID and we have been trying to sell the property since XXXX for some financial relief and Shellpoint continues to delay this information and handles the situation very laxed with no regard for doing their part.
Product: Vehicle loan or lease

I applied to buy my XXXX XXXX XXXX lease when the end of lease came which was XX/XX/XXXX. Despite many phone calls I made trying to get in touch with XXXX Financial was impossible. I was approve for the car loan ( $ XXXX x 5yr term ) and when I spoke to representative which was impossible to get through it would only take a few days. I was approve in XXXX During this time I received no bills, notices just obscures document which I had notarized twice because my address changed they said. I finally spoke with Rep agent on XX/XX/XXXX XXXX XXXX and he explained that I have to sent in the payment for {$1100.00} before they can begin working on the converting the lease to me purchasing it, along with sending insurance, Registration, and my Driver 's license ( I sent this in two other times as well. None of the letters said what the representative said to do. I finally spoke with XXXX XXXX who was nice and I finally sent in a payment on in which she accept a payment of {$570.00} directly taken from my checking account was on XX/XX/XXXX.She assured me that my account is fine and the conversion will be complete and I will be paying on the loan and the car is mine. So, on XX/XX/XXXX ( XX/XX/XXXX Morning as I'm working ) I get a phone call from XXXX XXXX XXXX XXXX telling me that he is letting me knoe that he's scheduled to re-possess my car for lack of payment. I called XXXX XXXX and she assured me that this was a mistake and someone in another department made a mistake. I also recieved a letter from XXXX XXXX Notice of Default/Right to Cure and intentions dated XX/XX/XXXX for total payment of $XX/XX/XXXXSined agent XXXX XXXX XXXX XXXX ON XX/XX/XXXX my credit report had that I'm 90 days late casuing my credit to tank XXXX points which is crazy!. I'm in a process of purchasing a second home and this can cause me to pay tens of thousands more on home loan. There has been so much damage to my credit report and it needs to be fix at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXXt XXXX is over charged {$8000.00} and charged off account. I did not authorize any transactions since XX/XX/2022. 

I tried contacting the bank to get these charges disputed but did not get any assistance since the card is charged off I need this charges to be investigated for fraudulent purchases and disputed. I do not own this debt I did not authorize any charges on this account after XX/XX/2022. I need this account removed from my credit file immediately. And the late payments along with the charges. They have not validated the alleged debts were charged by me I have sent XXXX XXXX XXXX XXXX XXXX XXXX that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my XXXX given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a XXXX to file so i could file with the XXXX. A charge off is consider gross income according to the XXXX  and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life
Product: Credit reporting or other personal consumer reports

I have had a XXXX charge card for 10 years, always in good standing. My most recent transaction was to pay off the {$XXXX} balance, on XX/XX/year>. In XXXX XXXX was bought out by XXXX  XXXX, and rather than transfer my XXXX account to the XXXX  XXXX platform - they CLOSED my XXXX account, and then OPENED a new XXXX  XXXX account - without my knowledge or permission for either. Both actions have negatively impacted my credit report and score. I was alerted to this because my XXXX XXXX dropped from XXXX to XXXX, overnight. I am currently trying to buy a house, and this has had disastrous consequences. Also, XXXX XXXX supposedly XXXX me a new card for this new account- but I have never received it. I've attempted 3 times to call them to ask them to send me a card for this new account, but they will not. Currently they have my account 'Restricted " because of some alert to fraudulent activity that they will not discuss with me - and yet the account Restriction is also negatively impacting both my XXXX XXXX and report. They won't discuss whatever fraud they're worried about - because I refuse to verify my identity by sending XXXX XXXX a photo of my state ID. I've never been asked for physical documents to verify on a phone call, and it seems very intrusive and phishy. They will not verify my identity by asking my security questions or providing my Security PIN, or confirming my full SSN or XXXX, etc. I offered to provide all my past addresses or phone numbers, my mother 's maiden name, etc. - but they won't accept any of those as verification, in order to be able to discuss my account with me, or send me a physical card, so that I can use the account they opened for me without my permission. I should not have to provide a photo of a state ID to be able to access my own account which they are opening, closing, and restricting. They HAVE numerous other identifying pieces of information which can be used to verify my identity. It is unreasonable for me to have to provide yet more to gain access to my own account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes containing errors and inaccurate reporting information on my credit file that has been hurting my credit due to the incorrect inconsistencies experian is reporting on my credit file. 
Every time I submit a dispute they verify the information with their vendor and DO NOT EVER send me the method of verification as requested and they dont update the file as requested they just state that the information is verified or the information remains unchanged and they are supposed to verify information per the 15 USC 16a they are required to complete accurate investigations through several methods that dont include using their vendors.

There are several incorrect items with this account reporting and they have failed to verify this account information accurately. I have given them time after time to get this account correct and they have failed.

They dont even report the correct account number! After they stated it was updated. I have submitted photos of the disputes and the account as it reports with the errors still reporting on this account after four disputes!
Product: Credit card or prepaid card

I have been going back and forth with American Express on a Fraud claim since the end of XX/XX/2022. I had hired a freelancer to help with XXXX ads back in XX/XX/2022. I stopped doing business with them in XXXX. In XXXX, I started receiving a big increase in XXXX ads I did not authorize on my Amex XXXX card. I contacted the freelancer who kept promising a remedy. The charges kept going. I did not dispute since I was hopeful the freelancer would remedy and I would not have to risk getting my card cancelled. I ended up disputing fraudulent charges in the amount of {$270000.00}. 

When the freelancer stopped responding. I had to reach out to American Express and filed a dispute. They have been terrible to deal with. They rejected the fraud case twice and have not been in contact with me except one time to communicate reason why it was rejected. I have no choice now but to file this complaint since I did not authorize these charges and can not afford to pay them. XXXX has stated that my name and billing address were not on the account despite the fact that my card somehow went through.