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

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. XXXX the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$4.00} XXXX CARD XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX FCU XXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/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 reviewed a copy of my credit report and noticed that fraudulent accounts on my report .Please remove these accounts from my report they are hurting my ability to obtain credit
Product: Checking or savings account

On XX/XX/XXXX I had filed another dispute with a chime mobile app banking of {$14000.00} so the XXXX of XXXX they denied all transactions but XXXX so all approved XXXX transactions had totaled out to be XXXX and some change but I only had received XXXX transaction amount was {$190.00} so I'm missing {$200.00} then I had reopened the whole bottle for the denied transactions I've been calling since the XXXX about this of not receiving full funds and also I had filed a dispute back in XX/XX/XXXX they got approved on XX/XX/XXXX all approved transactions were supposed to be a total of XXXX and some change I only had received XXXX so everyday I've been calling them about this because I haven't heard anything from him like they say that they're going to turn it over to the escalating team I will hear back from them by email within XXXX hours and the funds will be in my account I haven't done it I got in the notification today from the bank stating that they're closing my account by XX/XX/XXXX don't know why that's all I have gotten so I called they can't even explain to me why so I called and told him about the money missing money I've had once again and I'll send it over to this game out here in XXXX hours and I'm also been waiting to hear back why are they closing my account I don't think it's fair that they're going to close my account for something I haven't even done when it's them or having nothing but problems with what they say they don't do and they've had let this person taking all this money from me and they allowed it they didn't verify who it was or anything this person had numerous in contact with someone there I've went over to my bank statements there's been disputes there's been another account changes everything and so on but they still allow this person still take my money and now it seem like they're not willing to help me get my money back at all they keep playing around they say they approve transactions they approve them but they don't give me the funds
Product: Checking or savings account

Many NSF hitting my account multiple times. I was under the impression that there is a limit for NSF fee/overdraft fees.
Product: Credit reporting or other personal consumer reports

I noticed a credit card account that does not belong to me and was not authorized by me in my credit reports. The account information is XXXX XXXX  XXXX / XXXX XXXX  - Account number XXXX.
Product: Debt collection

THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance I have never had an account with this company. 

I called them and they said I owed half of that for a store credit card, but refused to delete from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( The Company ) and I settled in full on my auto loan balance. The company and I settled the {$2400.00} balance for {$1400.00} However, The Company continues to report as a Collection with delinquencies for the waived balance of {$980.00} and reports the balance as past due on my credit causing me to be denied for credit I applied for and receive higher interest rates for credit I received. I contacted The Company directly on XX/XX/XXXX, XX/XX/XXXX, XXXXand XX/XX/XXXX to verify the Settled in full account and request my credit be updated to no avail. The Company, however, continues to report to the Collection company and yet send letters to me that the account was settled in full on XX/XX/XXXX. I have also disputed the account with XXXX Experian, and XXXX on XX/XX/XXXX and XX/XX/XXXX and was told the incorrect information was verified and there were no corrections applied to my credit. I currently have 30,60 & 90 day lates as a Collection showing on my credit for a incorrect past due balance of {$980.00} well after the account was Settled in full and closed on XX/XX/XXXX. Late dates currently reporting are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Please see PIF letter and credit report from XX/XX/XXXX attached.
Product: Payday loan, title loan, or personal loan

After explaining to the company that I was having difficulty keeping up with payments. They adjusted the payment schedule, but also with Drew funds for the previous agreement, which I turn would overdraft my account on a number of occasions. And now they call4 or five time in a row and call my family after I've spoken with them about arranging other options. They continue to call evnery day constantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To WHOM IT MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING IN MY FILE .THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM IDENTITY THEFT AND DID NOT MAKE THE CHANGE XXXX ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORTED THE THEFT OF MY IDENTITY TO FEDERAL TRADE COMMISSION AND I ASLO HAVE ENCLOSED COPIES OF FEDERAL //TRADE COMMISSION IDENTITY THEFT AFFIDAVIT.PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Mortgage

My mortgage started with XXXX in XX/XX/XXXX and was bought out in XX/XX/XXXX from Planet Home Lending. This company has declined my bill pay payment repeatedly which in turn caused late fee 's and possible foreclosure. I had to send a wire to make up for everything and this still continues to happen. The mitigation department has not helped in getting this payment paid to my mortgage and there for has caused more fee 's and possible foreclosure again. They have ruined my credit. There business practice are damaging to hard working people. They do not provide me with any proper instruction to make and payment and there bank are having major delays in returning my funds so I can have them debit my bank account to make the payment on time. I want fee 's reimbursed and the company to move my account back to XXXX, a company with respect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX VA XXXX has Been sending me collection notices in the amount XXXX .the collection has be reported as pasted due balance. I do not know this company .I have never done any business with this business with this company .this company does not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Last 4 SSN XXXX To : XXXX XXXX Credit Bureau XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX this letter to the XXXX Credit Bureau to reinvestigate these accounts on my credit report. I was a victim of Identity Theft. Someone stole my information and opened these accounts under my name. ACCOUNT NAME : XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX A BALANCE OF {$7100.00}. XXXX XXXX XXXX  OPENED ON XX/XX/XXXX A BALANCE {$29000.00}. XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00}. 
THESE ACCOUNTS NEEDS TO BE REMOVE FROM MY CONSUMER REPORT. I never Authorized these companies to have access to my consumer report. I NEVER SIGNED OR RECEIVED ANY CONTRACT FROM THESE COMPANIES. I ALSO FILE A COMPLAINT WITH CFPB AND XXXX THESE ACCOUNT NEEDS TO BE REMOVE WITHIN 15 DAYS. 

ALSO YOU NEED TO BLOCK THEM FROM ACCESSING MY REPORT. 

I also filed a police report with the XXXX police department, I sent it to XXXX last month. And my tracking number is showing that it was delivered and someone signed for it. I will look forward to this information being updated in the next 10 to 15 DAYS or I will have toTake legal actions against the XXXX Credit Bureau in the court of law. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 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.

and according to 15 USC 1681eb they are supposed to ensure this ( 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.

and according to 15 USC 1681s-2 this is suppose to happen ( 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. 

XXXX and XXXX XXXXXXXX XXXX  really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed the inaccuracy showing on my credit with this lender and they fail to update or remove the account if they can't verify the accuracy. this account is a charge off account but still reporting late payments which is a violation. capitalone sold the account to a collection agency but still showing a past due and both times after disputing with capitalone and the bureaus they sent back letters saying the account as been verified but yet still the inaccuracy is still being reported on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Like many Americans I was in the forbearance program with my mortgage company. At the time I was dealing with REGIONS MORTGAGE. Previous to COVID, I had never missed a payment or even been late a single time in over 10 years. My credit was well over XXXX. This changed when forbearance ended and REGIONS set me up with a counsellor to get back current. I spoke with them and was assured of a smooth transition adding the missing amount on to the end of the loan. Satisfied with this resolution, I setup autopay as it had been setup for many years before then. But their bank failed to pull the payment. I was made aware of the issue sometime shortly after this would have needed to be processed and IMMEDIATELY rectified the situation. I made any due payments. However, even with providing proof that I was on their autopay plan AND appealing to them directly, from an attorney, and directly to credit reporting agencies, they STILL have yet to take the 'late payment ' off my credit report as promised. This has DESTROYED my credit and disabled me from refinancing my loan from the high 6.5 % rate they stuck me with. I went on tour for work after autopay was setup in XXXX and only learned of the problem in XXXX. Please help ASAP. 

thank you! 
- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 

FCRA violations : improper credit reporting XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$7.00} XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$8.00}
Product: Credit card or prepaid card

USAA credit card that had debt forgiveness. USAA required to send 1099-C by XXXX XXXX. 
USAA contacted by mail, phone, and message. USAA has no path forward and has not provided required federal form
Product: Credit reporting or other personal consumer reports

there are a series of unauthorized Inquiries on all XXXX of the credit reporting companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I want these inquiries deleted.
Product: Checking or savings account

I am filing a complaint against Capital One.regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer XXXX trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the 58 misleading practices and failure to fulfill their advertised promise.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and ID along with my SSN card was stolen. I called XXXXXXXX XXXX XXXX XXXX today about XXXX as instructed to by my local police department crime report # XXXX and requested that the identity theft unauthorized inquiries be removed immediately and XXXX only removed 2 of them so now I have to dispute unauthorized inquiries with the actual companies are such as follows : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove all unauthorized inquiries thank you for your understanding. 

Attached is a copy of my policy report for the identity theft report.
Product: Student loan

I am trying to stay on a rate reduction program because my monthly payment is XXXX My student loans got out of control when my school closed and did not return the money and i started to deffer my payments which only added capitalized interest. I need help because my schools closed before i could finish XXXX school and did not return the loan money to the school. All the money was disbursed to the school first. The school was XXXX college of XXXX  in XXXX, CA. I need help with a possible discharge and lowering my payments.
Product: Debt collection

I contacted the company to have them remove the derogatory information that they placed on my credit report in which I told them I am the victim of Identity theft and I never opened an account with them neither did I sign any contract with them directly
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I resided at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. I resided there from XX/XX/XXXX to XX/XX/XXXX. During my residence there, I was never evicted, and the apartments underwent 3-4 changes in property management companies. When I got closer to my lease term, I decided to re-establish my credit to purchase a home. When my credit was pulled by a loan officer, the apartments filed three erroneous judgments against me with the XXXX XXXX Magistrate Court. 

The current manager at that time, XXXX XXXX, said he received many complaints about previous management and was informed they were illegally filing judgments from tenants after collecting rent. He drafted and filed a letter with the Court showing that I was in good standing and that the judgments needed to be satisfied. However, I have attempted to apply for a rental home and apartment, and the judgment remains on my public record : XXXX XXXX. XXXX XXXX ( Filed on XX/XX/XXXX ) {$970.00}. 

I called the magistrate court, and they confirmed the judgment is satisfied. This is also confirmed on the docket. I have a stamped copy of the satisfaction of Judgment. XX/XX/XXXX Image Document Satisfaction of Judgment XX/XX/XXXX Image Document Satisfaction of Judgment The lawsuit was filed by attorney XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. Phone : XXXX. Every third party, the apartment or property management company for a rental home, denies me. They won't accept my proof. The attorney XXXX XXXX XXXX, XXXX XXXX Magistrate Court, or XXXX XXXX XXXX should resolve this matter. I checked XXXX, XXXX, and XXXX, and the judgment is not listed. This must be on a third-party tenant database. 

I contacted XXXX XXXX XXXX on Thursday, XX/XX/XXXX, and the apartment is under new management again. I spoke with the Asst Mgr, and he stated he has no digital or physical files that I ever resided at XXXX XXXX XXXX. He suggested that I contact XXXX XXXX. I looked up the company, and their number is no longer working.
Product: Debt collection

I check my report often to make sure my information is reporting accurately. A few years ago, I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I received a notification from my credit monitoring service that an account has been listed on my credit reports. It is reporting under the company XXXX as a collection for {$270.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or dunning letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. This a violation of my rights and I want this account removed from my credit reports immediately!
Product: Credit reporting or other personal consumer reports

I've reviewed my credit report and noticed fraudulent activity on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I disputed an item on my credit report as it did not belong to me. I requested for the credit reporting agency and the debt collector XXXX Midland Funding LLC XXXX to validate this debt since it was not mine. As of XX/XX/XXXX Midland Funding LLC has not responded to my request for validation of this debt nor have they provided factual information that this account is legally my responsibility. As of today this account remains on my credit reports with the comment " Account information disputed by consumer, meets FCRA requirements '' This does not resolve the matter nor does it comply with my request for validation. Midland Funding LLC has violated FCRA by failing to report true information and provide me with the requested data related this fraudulent account.
Product: Mortgage

When my XX/XX/22 mortgage did not get deducted from my bank account I called my mortgage company. They told me my loan was sold to SN Servicing Corp. I did not receive a statement from the new company or a way to set up auto payments. Instead I received a debt collection letter. When I tried to call the new company at the number provided XXXX I kept getting disconnected. It is a disgrace that a transfer of mortgage is handled so poorly. I need a way to set up payment. This company should be shut down for their incompetence which could impact my credit.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX. XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting

A landlord is illegally reporting false credit information to XXXX and XXXX is refusing to validate the dispute. A judge ordered a judgement in the amount of {$2200.00} on XXXX and XXXX XXXX is reporting that I owe {$10000.00} and is refusing to remove this information even with a copy of the actual judgement.