23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear XXXX Credit Bureau Executives, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, which has resulted in my involvement in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that a fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance are not mine, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you could address this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX California XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/2024 XXXX XXXX To : XXXX XXXX XXXX Subject : XXXX Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I have had a car loan, which I paid off. and a personal loan Equifax is not reporting them in my credit report which has effected my credit or the ability to receive loans
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. 
has violated my rights. 

Name of Account Account Number. Balance XXXX Dept Of Ed XXXXXXXX {$630.00} Unverified Account XXXX Dept Of Ed XXXX {$5700.00} Unverified Account XXXXXXXX Dept Of Ed XXXXXXXX {$2500.00} Unverified Account XXXX Dept Of Ed XXXX {$6100.00} Unverified Account XXXX Dept Of Ed XXXX {$2700.00} Unverified Account US DEPT OF EDXXXX  Account numberXXXX Date openedXXXX Original balance {$4700.00} US DEPT OF EDXXXX Account numberXXXX Date openedXXXX Original balance {$500.00} US DEPT OF EDXXXX Account numberXXXX Date openedXXXX {$4700.00} 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 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, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I was alerted by my bank and by a credit monitoring service that I had a new hard inquiry on my credit report. Upon investigation, it was an hard inquiry from XXXX XXXX XXXX on my Transunion credit report. I have never authorized this bank to do this. I contacted Transunion that same day to dispute the hard inquiry, and was informed that I would need to contact XXXX  XXXX XXXX to obtain an " Inquiry Deletion Letter. '' I have made numerous attempts to contact XXXX  XXXX XXXX, and found it nearly impossible to make contact with any agent of their organization. At last, on XX/XX/2022, I was able to establish such contact. After being bounced around from agent to agent with promises of being transferred to their " fraud department, '' I finally spoke with an agent who ran my name and SSN through their system to at least check to see if anyone had successfully opened any accounts with their organization ; the agent told me that she did not find a profile for my name and SSN. I asked about the Inquiry Deletion Letter that Transunion requires, and she said that I was the second person this week that had asked for one ; she had spoken to her supervisor, and they were unaware of anyway to obtain such a letter from XXXX XXXX XXXX. I want this hard inquiry removed from my credit report!
Product: Money transfer, virtual currency, or money service

The company said it was nothing they could do about zelle to a wrong person
Product: Credit reporting or other personal consumer reports

Per the Fare Dept Collection Act the lender must provide notice of past due before posting to your credit report. The loan was shown 30 days late for XXXX of XXXX Per XXXX at TD Finance the only letter I was sent was on XX/XX/2023 letting me know the account was going to be 60 days late which I received. I even had XXXX XXXX XXXX  pull my phone records to prove I was not contacted. XXXX told me they didnt have to notify me, and even gave me a wrong email address. Per the law I can record a conversation I am part of. I was handling another complaint I filed that they posted the payment 3 times to the wrong checking account. She refused to acknowledge what I told her, and when she found out I was recording the conversation for legal use she hung up on me.
Product: Credit card

Subject : Complaint Regarding Duplicate Charges and Missing Funds Dear CFPB Team, I am writing to request your assistance in resolving a serious issue with Capital One involving a loan I obtained to pay off my credit cards. This issue has negatively impacted my credit score and financial stability. Despite numerous attempts to resolve it directly with Capital One over the past four months, I have not received any resolution or clear explanation. Problem Description : 1. I obtained a loan to pay off the balances o
f two Capital One credit cards : Platinum Card : {$3200.00} Quicksilver Card : {$830.00} 2. Due to an error on my part, I deposited the checks intended for these payments twice : Once via mail ( physical deposit ). 
Once electronically ( online deposit ). 
XXXX. Capital One processed the payments as follows : The physical deposit was applied first. 
The funds were later removed when the online deposit was processed, causing duplications and confusion in the balances. 
This process was repeated twice, resulting in additional complications. 
XXXX. While an initial payment investigation was conducted, and I received the money back once, the following issues remain unresolved : Capital One now claims I owe {$6800.00} for my Platinum Card, which is far above the original {$3200.00} balance.

The {$830.00} payment for my Quicksilver Card was never returned, nor does it appear applied to the balance. 
5. Over the past four months, I have repeatedly contacted Capital Ones customer service for assistance, but I have been met with no resolution. Representatives have stated that they can not see what is happening in the system and that there is nothing more they can do. 

Impact : My credit score has continued to drop due to this unresolved issue.

I am being charged additional interest on incorrect and inflated amounts.

Despite having the money available to pay the original {$3200.00}, I can not proceed due to errors in their system. 
I have spent countless hours on the phone with no resolution or clear explanation. 


I have relevant documentation to support my case and will be happy to provide further information if necessary. I deeply appreciate your assistance, as this issue has caused significant emotional and financial stress. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am interested in disputing all inaccuracies off my credit report with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a letter to remove a fraudulent inquiry XX/XX/2021 likely due to the XXXX XXXX data breach and Transunion. I sent them the FTC report as well and they refuse the remove the inquiries. They are clearly reporting false information to creditors which is a violation of FCRA and also damaging my credit.
Product: Debt collection

Foreign company as is apparent by their accents. I have repeatedly advised them I am on do not call list. They keep calling me. Call on XX/XX/2022 from XXXX with no name identified on caller ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two ER bills on my credit report with Transunion that should not be there, because my income was {$0.00} for three years from being so sick, and these bills should have been paid with the charitable funds available to these hospitals. I have disputed these bills for years, and they remain on my credit and harm my ability to rebuild now that I am BARELY able to work again. I am denied all social services, because these two hospitals provided me a DISSERVICE, and not a service. They left me in XXXX XXXX XXXX and denied the diagnostics, even with images of my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and that I have XXXX XXXX XXXX XXXX XXXX  XXXX in my XXXX. Their malpractice is DESTROYING my health and my life. 

Transunion is allowing them to also destroy my credit. Transunion said they were removing the collections, did not, and then put it back on my report.
Product: Credit card

I have a care credit credit card to use for my veterinary bills for my dogs. If I spend over {$200.00}, it is promotional balance that has a 6 month same as cash. I carefully calculate what I need to pay and when for the balances to be paid off in time. They cherry pick what they put to the promotional balances and then put the rest to newer stuff. I did not realize they were doing this and was paying interest on an old balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to mal practice while several laws were being broekn nder the FCRA by your company ... .this has caused me defermation of character, financial injury, can not apply for credit cards, and am unable to get a sba loan due to the pandemic under this crisis. This has greatly impacted my abiliity to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed ftc on all the accounts listed : XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$9.00} XXXX   Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1500.00} Term -- Monthly Payment $ XXXX XXXX, XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$460.00} Highest Balance {$460.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment -- Amount Past Due {$460.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization*154.00 % Creditor Contact Details XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$210.00} High Balance {$210.00} Remarks
Product: Credit reporting or other personal consumer reports

I have spoke with transunion on XXXX occasionas to remove inquires that are not mines. They have not been deleted and they are giving me a hard time I have filed A ftc/police report I even provided them with this information. I provide with the statement according to consumer laws : You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX  days from the date of the receipt of this notice. I look forward to your response " and yet the inquires still remain im requesting immediate removal
Product: Debt collection

I XXXX XXXX believes that Bank of America has posted and continues to post a charged off account that has been posting late far more that XX/XX/XXXX. As you can observe from the XXXX XXXX post attached, Bank of America has cut off 8-years of payment history. I have attached a copy of the 1099C issued by Bank of America that was applied to my XXXX income taxes as a financial gain from cancellation of debt. Bank of America has in essence placed it position as XXXX, but still applies a balance of {$5400.00} on all three pertinent credit reports. The real issue is that the account was late in fiscal year XXXX and should be deleted permanently and immediately from all credit bureaus. Bank of America is violating its subscriber agreement with XXXX, XXXX and XXXX XXXX respectively. Accordingly, the account should be deleted permanently across the board with all credit reporting agencies. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account was incorrectly added to my report. I disputed it with equifax several times to get it removed from my account. I asked for verification of the account which they did not provide on at least three occasions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hope this message finds you well. I am writing to formally request the removal of a late payment recorded on my account ( # XXXX ) for the month of XX/XX/XXXX. 

I understand the importance of timely payments, and I regret any inconvenience this may have caused. My payments were on autopay, and I failed to have the payment in source of payee available. I have since rectified my payment habits and am committed to maintaining timely payments moving forward. 

Given my history as a responsible customer I kindly ask for your consideration in removing this late payment from my credit report. This would greatly assist me in maintaining a positive credit standing. 
Thank you for your attention to this matter. I appreciate your understanding and look forward to your positive response. 

Sincerely XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

For 2 weeks I have been trying to contact the Bankrupcy dept of Midland Financial LLC. There is a Leon on my home that was discharged in Bankrupcy. I have made at least 100 calls to this company 7 different department and have not been able to get a representative on the phone that can help me solve this issue I ask to speak to someone in the states and left me on hold for a hour. 
I am at my wits end trying to resolve this issue and have had no success. Please help Im scheduled for a closing on my home on XX/XX/XXXX XXXX  and can not close due to this issue. This company has insufficient standards for the consumer to obtain their personal information to solve a issue. The dates of calls are from XXXX  XXXX XXXX to present date. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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
Product: Debt collection

I called and specifically told Good Leap do not take payment on the XXXX. They took it on the XXXX causing me to overdraft. These clowns has been no help as far as payments are concerned. They call and harass me at work and at home. Called my relatives and friends. Filed a report. Goodleap swept it under the rug abd said oh well you know your payment is due on the XXXX of every month and bs that makes no sense. Anyway, they also don't call from the same number. They have XXXX different numbers they call from just to harass me no matter the time of day.
Product: Student loan

Due to the new rules for Public Student Loan Forgiveness ( now TEPSLF ), my student loans are eligible for full forgiveness. In the beginning of XXXX, I was notified by the Dept of Education that 30 payments would be added to my payment count under the new TEPSLF rules. I continue to be employed at the same employer since XXXX. The length of employment and number of qualifying payments both made me eligible for forgiveness immediately. On XX/XX/XXXX, I submitted my employer certification form to XXXX and was notified that it was received and accepted. Since the initial 30 payments, there has been no communication on my account, nor any updates made to the number of qualifying payments that have been made. I called XXXX on numerous occasions to check the status of my account, and after waiting an hour on hold to speak to someone, was told to continue to wait, and that my payments would be approved in batches. I messaged XXXX through XXXX XXXX on XX/XX/XXXX and received a response on XX/XX/XXXX telling me that they would send my account over to their team to review and I would be receiving a phone call within the next few days, which I never received. My loans were then sold to Mohela, and I am spending an hour plus to speak to a customer service representative only to be told that either they have no record of my loan, or that I need to contact someone else to inquire about my loans. Meanwhile, I am a member of many online communities where others have applied for TEPSLF well after my application and received forgiveness within days or weeks of their applications. I understand there is a backlog of accounts requiring review, but it's unfair for applications that were submitted long after mine to be getting addresses while mine has been bypassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit applications were made in my name with XXXX XXXX  on XX/XX/2019 and XXXX XXXX on XX/XX/2019. These companies contacted TransUnion to check my credit. XXXX XXXX  and XXXX XXXX became suspicious and called me inquiring if I applied for credit. I told them NO and they cancelled the credit applications. I have contacted TransUnion - as well as XXXX XXXX  and XXXX XXXX  on FOUR ( 4 ) occasions requesting that the fraudulent credit inquiries be removed from my credit report. To date, the 2 fraudulent credit inquiries remain on my TransUnion Credit Report.
Product: Credit reporting or other personal consumer reports

FCRA 605B might mean we have to delete any wrong accounts from my credit report. Could you check the papers? Some of the listed accounts have wrong info about what's reported, like wrong amounts and dates.
Product: Credit card or prepaid card

XXXX I lived XXXX XXXXXXXX with my sister until XXXX, when I moved down to XXXX. 
This credit card by XXXX XXXX was opened in XXXX XXXX  XXXX from the XXXX address I had lived at. 
I received communication from XXXX XXXXXXXX by a woman that very limited communications skills using XXXX. I informed her that I was in need of the information used to open the account so that I could file a fraud case against the account with the police. 
Instead of sending the information, they simply updated the information with my current information and started sending bills. 
I called them to resolve but got nowhere, and now htye have Midland Funding destroying my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the {$2.00} or {$3.00} required by the XXXX XXXX online and have a printed receipt from last XX/XX/XXXX or XX/XX/XXXX. The credit reports from Experian and XXXX indicate I am on the opt out list until the end of XX/XX/XXXX. I sent a letter with proof of payment above and copies of the opt out prescreen and XXXX XXXX letters and I don't want any marketing or use of my reports for anymore junk mail from the credit bureaus. They need to update my legal request and I should not have to prove to them again of my opt out prescreen choices or XXXX XXXX that I paid to have my name removed for 10 years! Please follow up with them for everyone who pays to stop junk mail. Thank you! 

2. After all these years, XXXX has my wrong birthdate year. I sent them proof last month, clearly stated on driver 's license and they list it wrong. I am sending proof again XX/XX/XXXX. Fix this immediately please!
Product: Payday loan, title loan, personal loan, or advance loan

I paid the loan out but they continue to call me and everyone I listed for a payment that was paid off. I contacted the home office, senselessly statements highlighting all of my payments and they continue to say that I didnt pay it and I paid it in person along with all of my documents from the bank. The company is Flight Finance or Sunset Finance because they go under both names and the two women that work there is very very rude and unprofessional. I placed them on XXXX and the started harassing me from their personal phones!!! I will tell everyone NOT TO DEAL WITH THIS COMPANY IF YOU DONT HAVE TO!!! I was in a bind and had to do it, but if I knew then what I know now, it wouldve NEVER happened!!
Product: Mortgage

Please note that all Assignments that were recorded for Property located at XXXX XXXX XXXX XXXX, XXXX XXXX notarized by XXXX XXXX need to be investigated for fraud and misuse of the Notary Certification for the Nationstar Mortgage LLC. personal gain. 

All persons who notarized the assignment has lack of capacity, authority and personal knowledge of the facts regarding the transferring of the note to the current Servicer, Nationstar Mortgage LLC/ The Assignments recorded also shows lack authenticity. Under the Consent Order with the CFPB, Nationstar Mortgage has the due diligence to make sure the consumer protection laws were adhered to. 

We requested a principal modification, principal reduction based on the assignments and Nationstar LLC has failed to honor such request and did not give us an explanation why we were denied A complaint will be filed against the Notary in the Executive Governors Office in XXXX for their errors and omission by not validating the reference document.
Product: Vehicle loan or lease

After numerous repossession of my vehicle I have paid every fee that was owed my vehicle was repossed 3 or 4 times and paid every fee that was owed then the last one that was paid had paid off the vehicle however Santander put in the credit breau that the car was repossed but I still got the car I had them send me the whole report if my payments and was paid off but never received the title or pink slip and I would like that sent to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request to the Credit Bureaus once more, to remove the remaining fraudulent accounts and information from my Credit File. I greatly appreciate the action done by the Credit Bureaus and have some of the disptued items removed from my Credit File. However, there are items left that should also be removed such as the inaccurate addresses, and the one fraudulent account reported by the XXXX Credit Bureau. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed items in which they resulted due to identity theft, not later than 4 business days after XX/XX/XXXX. I also sent another dispute letter to the Credit Bureaus on XX/XX/XXXX. I have already included these items from my previous Complaint and I am including them again, once more. Please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00}