23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I Got it charge off my XXXX XXXX because it was n't me the company keeps bother me about a XXXX $ that I know nothing about
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXX Account # : XXXX Balance : {$1700.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  Account # : XXXX Balance : {$1000.00} Opened : XX/XX/XXXX XXXX XXXX Fifth Account # XXXX XXXX Balance : {$800.00} Opened : XX/XX/XXXX Additionally, the following XXXX accounts are also fraudulent : Account # : XXXX - Balance : {$5500.00} Account # : XXXX - Balance : {$2300.00} Account # : XXXX - Balance : {$1100.00} Account # : XXXX Account # : XXXX - Balance : {$870.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$870.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$5000.00} Account # : XXXX - Balance : {$1300.00} Account # : XXXX - Balance : {$1300.00} Account # : XXXX - Balance : {$3800.00} Account # : XXXX - Balance : {$1500.00} Account # : XXXX Balance : {$2000.00} I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of an Official Police Report and FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud.
Product: Debt collection

Experian is reporting a XXXX reposession on my credit report its been over 10 years thats should not be on my my credit report as XXXX XXXX XXXX was paid and transfered to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loancare is currently affecting my ability in being able to be approved for a mortgage due to reporting inaccurate payment history on all 3 bureaus. Showing me with late payment on XXXX, XXXX And XXXX in XXXX, and different reporting on XXXX and XXXX XXXX. Im currently under contract and will possibly lose my escrow due to this. PLEASE HELP ASAP!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 crime which antedates the report more than 7 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: Checking or savings account

i had XXXX 2 times taken outta my account not authorized by me. i went to a branch in XXXX XXXX an a lead lady helped me i tried give her police report an she did not take it she did refuse an stated that its my fault that i gave caller my acct. information, shes a lier i never ever gave anyone my acct. information. so i went to celebration branch an XXXX took my police report an submitted report to bank, an they continue to refuse paying me back my XXXX XXXX XXXX was the one at first bank who continues to repeat to me that i gave my information, im sorry but yes she is a lier. she hurt me bad.this is regions bank an yes i left them to go to XXXX XXXX XXXX XXXX a great bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/year> Subject : Dispute of Charged-Off Account Request for Correction Dear Credit Bureaus, I am writing to formally dispute an inaccurate entry on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ). My name is [ XXXX XXXX ], and my Social Security XXXX is [ XXXX ], and I am requesting your assistance in correcting this matter. 

Upon reviewing my credit report, I noticed a charged-off account listed under [ XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ] with the account number [ XXXX, XXXX, XXXX ]. This account is inaccurately reported as it has already been settled and paid by a third party. I have attached documentation that supports my claim. 

According to the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The reporting of a charged-off account that has been paid is a violation of this Act, as it misrepresents my credit history and negatively impacts my credit score.

I kindly request that you conduct a thorough investigation into this matter and update my credit report to accurately reflect the status of this account. Please confirm the resolution of this dispute in writing to my address above, and ensure that any necessary corrections are made to my credit report.

Thank you for your prompt attention to this issue. I look forward to your response and appreciate your cooperation in resolving this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Due to the fact that TransUnion failed to respond back to my Unverifiable Dispute letter, I have no dispute case number. I am going to provide the USPS Certified information that they received the letter in the mail. I was disputing the fact that the account on my credit report that says I owe XXXX XXXX XXXX and XXXX XXXX XXXX is Unverifiable. I presented the letter to TransUnion and I make sure a copy of the letter is in this report. But never got anything back concerning my dispute letter in XXXX XXXX, 2016. It is now 36 days pass due and no response from TransUnion. Accordingly, to the FCRA if the Credit Reporting Agency does n't reply back then the debt is automatically removed from the credit report. But in my case it has not happen. Also, I have recording from both XXXX XXXX XXXX and XXXX XXXX XXXX I am not in their files no where. I do n't understand why TransUnion is holding on to this debt. When it should be removed from my credit report because they fail to answer back to my dispute letter I sent them that I providing to you and the mail return receipt they sign for accepting my dispute. I
Product: Student loan

I received the response to my school misconduct charge application to navient, they denied it saying " Navient carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' This is not good enough, I was a member in the class action suit XXXX vs XXXX and was forgiven on my federal loans already from Navient. But Navient now offers forgiveness on private loans as well. Why would I be denied forgiveness if the courts already has my school on the fraudulent list? Navient provided no valid reason to deny my application because they know I am right, but they still deny anyways.
Product: Credit card or prepaid card

The payment was issued to Discover on XX/XX/2019 via my online bill pay feature that my employer has attached to my payroll card. XXXX issued a paper check to Discover for {$200.00}. The check was received and cashed by XXXX XXXX XXXX, an Agent for Discover. Proof has been supplied to Discover, yet they have claimed they can not locate the payment. Interest, fees and my account is now closed, as well as it affecting my credit report has all transpired due to this missing payment.
Product: Checking or savings account

On XX/XX/XXXX, I was looking for a job on XXXX XXXX  and wound up in a fraudulent check scam. I was a victim of A XXXX XXXX  scam where you apply for a job, give your info for contact purposes. This was in XX/XX/XXXX.Without my knowing I was sent a check.I was given instructions and check was deposited on XX/XX/XXXX for the amount of {$5500.00}. Check was issued from XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX. Check turned out to be fraud and my account closed. 

Around XX/XX/XXXX to XXXX ( XXXX ), I sent 2 letters. One to Bank of America Research and  adjustments, XXXX XXXX XXXX, XXXX texas and the other same copy was sent to Bank of America Disputes office, in XXXX, florida. On XX/XX/XXXX, I filed a complaint with the Federal Trade Commision against XXXX, XXXX XXXX XXXX, because the check came from the them. The reference number is XXXX, you can do a foia request like I am doing now. 

In XX/XX/XXXX i tried to open an account at XXXX and found out I owed a balance. On XX/XX/XXXX when became aware of the XXXX balance it was paid. To this day i can not open an account to do basic banking. I did everything BOA asked me to and yet they will not remove the high risk assessment on XXXX. 

From XX/XX/XXXX I have made 2 complaints to XXXX  to investigate and they have done nothing but sided with the bank.In XX/XX/XXXX, I filed Consumer complaint with Illinois AG, that is still on going. 

On XX/XX/XXXX I called BOA and got to " complaints department '' and they told me if I would of Filed a dispute, informing them of XXXX   scam it would of never been put on my report. When he gave me the address to the disputes department in Florida, I realized the address was familiar and told him I sent in a complaint already to the address and you guys did this to me. On XXXX the XXXX & XXXX XXXX, I sent 2 letters to the disputes department in XXXX XXXX florida with the XXXX emails thread and police report, and let them know how foul they are, and that their banking practice are XXXX. I filed a complaint with the illinois AG in XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX ( resolution specialist ) sent a letter stating they decline in removing the negative reporting on XXXX. They also Claimed that I never filed a claimed in the letter. 

On XX/XX/XXXX, i spoke to complaints Dept, and they went over the notes regarding this and told me that the risk department can help me and remove it today. i was transferred to Risk department and when that operator spoke to me and went over my file he was going to get his supervisor to removed, they put me on hold for 10 minutes, when they came back the operator told me things are staying as they are on my record.
Product: Debt collection

I was sued by a XXXX, XXXX, and XXXX XXXX. 
I started making the settled payment arrangement amount {$150.00} a month, then I was laid off from my job, I contacted the office and was able to speak with someone and they asked how much I could pay right then and I told them that I could only pay {$75.00}. They was able to accept that amount and I was told to email a copy of termination letter from my job. I called the office several and was unable to get through because their phones were experiencing system problems. I have notes of dates and times that I've constantly tried to reach out to them. No one answered my emails. I received a threatening subpoena letter from them a few days ago, threatening to arrest me if I don't fill out a form with my bank account number. This is a collection agency and they're portraying as if they're attorneys at law. 
Please help me in directing me on how to handle this situation. 
I'm being treated unfairly as if I never tried reaching out to them.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

company was unable to provide any information regarding this debt being connected to me and anything signed by me as these cards where opened without my knowledge,
Product: Debt collection

I called caiptal one about my credit card asking them to postpone the due date to pay for the credit card by 3 days. the agent over the phone said yes we will postpone the due date by 3 days to give you time to pay for the balance that was due earlier than expected because credit cards can be due every 4 weeks instead of every 31 days. They closed my card right after that and did not delay payment by 2 days nor even by 1 day, immediately closed the account and sent it to my collections to damage my credit score. I contacted capital one and XXXX both to dispute the charge and they denied to resolve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX Comenity Bank opened an account under my name for XXXX under forgery. I contacted Comenity bank about the fraud/identity theft. Comenity claimed they would investigate the matter but never did. After several attempts to contact Comenity bank about this issue failed I opened a fraud complaint to XXXX XXXX and XXXX XXXX in XXXX of XXXX. Soon after account was closed by comenity bank but Comenity bank kept posting derogatory remarks and late payments on my credit reports. I filed an incident report with local authorities about the forgery and Identity theft and contacted an Attorney on XXXX of XXXX who contacted Comenity Bank about the matter. Comenity Bank denied having an account under my name and suggested taking it up with the credit bureaus and opening a dispute which I did once more. Comenity Bank then sold the account to a collections agency knowing the account was fraudulent. Soon after I was contacted by the collections Agency. I once again opened another dispute with all credit bureaus and supplied the new documentation for reinvestigation and asked the credit bureaus to delete the incorrect information. Credit bureas have not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report Ave notice that there was incorrect info reporting. XXXX companies by the name of XXXX XXXX reporting as collocations account. Neither of these accounts belong to me. I reached out XXXX XXXX and they were not able to locate my info in there system with name and social security number. I sent letter to Experian and XXXX explaining this!
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of FDCPA which it prohibits. They furnished this account that we didn't agree upon, and i didn't sign an agreement on. A legal contract is signed by XXXX parties and i did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA im entitled to one-thousand dollars per violation and clearly they violated my right.
Product: Credit reporting

I started getting calls years ago and receive a recorded message at least XXXX times a week. 
They were originally calling for someone else that we did n't know. We had asked them multiple times to stop calling and explained that they had the wrong info. So when the calls kept coming I again asked them to stop calling and that we had already told them they had the wrong number. The agent then explains that they are not calling the wrong number or looking for the wrong person. She goes on to say that I have a balance of XXXX from a XXXX 's XXXX credit card. At that point I just kind of laughed and told them they might want to check their facts. I never had a credit card from XXXX 's XXXX neither did my wife. I told them if I had signed up for a credit card there must be an application with a signature and a social. I do n't use credit cards I have always used a debit card. And just recently applied for a credit card a few days ago. I told them to put me down as a dispute and that I would not be paying someone else 's debt. I ran a XXXX. I 'm aware of the laws pertaining to collections. I have n't bothered to deal with them again. They are only interested in trying to collect the debt not validate it! And the amount reported on my credit report is nowhere near what they had called about. My personal information has been compromised more than a few times. I have even had my credit card used overseas and online accounts set up with my debit/credit card. So there is no telling where this debt originated but it is n't mine. Any information or help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my Trans Union, XXXX, and XXXX credit report and noticed that I have been a victim of Identity theft. I am in disbelief and this is very XXXX breaking as I am in the process of becoming a homeowner. I tried removing these fraudulent accounts, inquiries, and addresses in the past but nothing changed. The credit bureaus are not abiding by the FCRA Laws 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Complaint last XX/XX/22 but I found out that my XXXX XXXX  XXXX, XXXX, and XXXX were closed. I am resubmitting my complaint today to update this suspicious information. I think the credit bureaus have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the unverifiable account found on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The amount of {$550.00} was refunded to me on XX/XX/2022 in the form of a credit from Chime, but there was money sent from my credit builder account and my savings account into my primary checking account to be sent to an unauthorized person. I was scammed and robbed while I was out of town in XXXX XXXX, Nevada from XX/XX/2022 to XX/XX/2022. I was contacted by the number ( XXXX ) XXXX on XX/XX/2022, my mothers birthday, by an alleged Chime customer service representative with all my account information, as well as, all of my recent transactions. The alleged representative was inquiring if I had used my card in XXXX, Florida, and was informing me of fraud while stating all my transactions back to me. I reached out to Chime, and they told me they would not be able to give me my money back that was transferred to my checking account from my credit builder and saving account. The amount that was transferred from my credit builder was {$160.00}. The amount that was transferred from my savings account in XXXX separate transactions of {$260.00} and {$27.00} in the full amount of {$280.00}. The total amount for all unauthorized transactions from my account was {$450.00}. I reached out to Chime as soon as the incident occurred, and I reached out to Consumer Financial Protection Bureau to report the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage company notified of adverse information in credit report from 5 years ago in the form of unpaid debt of roughly {$100.00} in former home electricity account, contacted XXXX Texas by phone who informed they don't see a debt, per own records account was paid and closed in 2016, was able to file dispute with XXXX only, dispute with XXXX online service did not go through after 10 attempts, Equifax online service did not allow access to online service and dispute.
Product: Credit card

Several weeks ago I received confirmation that a dispute that I had with SunTrust Bank had been resolved in my favor and a credit would be issued to me at my SunTrust Bank Account. Today I opened up a piece of mail from SunTrust Fraud Managment Services suggesting that the dispute has not yet been resolved in my favor and requesting that I fill out a form pursuant to this earlier dispute which I was told had been resolved in my favor. Now I need clarification : " Has the dispute already been resolved in my favor and is this form merely the result of one part of the bank not knowing what the other part is doing? '' OR " Is the bank rescinding it 's resolution of the dispute in my favor or making it contingent upon the completion of additional forms? '' Can I ignore these new forms? Or must I continue to dispute the charges? The forms are confusing in that they list a credit and charge for equal amounts relating to XXXX of the XXXX charges I disputed earlier before clsoing my account.
Product: Mortgage

Our loan docs state that PMI may be removed from our loan when the LTV reaches 78 % and allow an appraisal to be ordered in order to obtain a more current valuation for the LTV calculation. 

However, after the appraisal was completed, Nationstar is refusing to honor that document citing XXXX investor guidelines that state that for the first 2 to 5 years of the life of the loan, PMI may only be removed from loan when the LTV reaches 75 % if a new appraisal is required to obtain a more current valuation for the LTV calculation. We never signed anything agreeing to this particular XXXX guideline. 

Further, the appraisal came in much lower than we had anticipated. We purchased our home in XXXX of XXXX and at that time the appraisal came in at {$430000.00}. The appraisal that was ordered in XXXX of XXXX came in at {$470000.00}. This indicates that during the 2.5 years of rapid appreciation of real estate in our area following the bottom of the housing market the value of our home only appreciated a little over 7 %, a claim which we find to be borderline insulting particularly given the comps in our area. 

Since XXXX XXXX, we have been trying to resolve these XXXX issues with Nationstar, but they refuse to cooperate.