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

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX, an auto loan account opened at XXXX on XXXX, an account XXXX XXXX on XXXX, an account XXXX XXXX on XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment using card, it was declined due to wrong zip. The merchant ran it again with the right zip. It was approved. The next day both charges were debited from my account. I contacted merchant and he stated he only received one payment and to contact my bank. I did and they said to have merchant fax a letter stating he would n't collect the one that declined which the bank has put in a pending status but have already taken the money for both out of my account. He faxed the letter then they said it was n't signed we faxed it again and again cause they said they could n't read phone number. Now the bank says they ca n't accept without the authorization code but he did n't get one on the declined charge. They say I have to wait 30 days to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with EQUIFAX over the past few months to remove unauthorized/unknown Inquiries that they have failed to fully validated that I initiated. It has been well over the 30 days given for EQUIFAX to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to EQUIFAX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized/unknown Inquiries belongs to me aswell. Below are the reporting Inquiries that should be REMOVED / DELETED from my EQUIFAX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX/XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX   - Date Filed : XX/XX/XXXX 6 ) XXXX XXXX - Date Filed : XX/XX/XXXX
Product: Vehicle loan or lease

In XXXX, I took out a loan from BMO Harris Bank in the amount of {$19000.00} for an XXXX trailer ( make/model a XXXXXXXX XXXX ). 

In XXXX of XXXX, I sold that vehicle to a dealership for {$20000.00} -- approximately {$1300.00} more than the payoff amount. 

The dealer confirmed they made a payment to BMO Harris Bank for the full amount of sale ( {$20000.00} ) and that BMO Harris would mail me a check for the balance of {$1300.00}. 

I never received the check. At first BMO Harris informed me that the check went to an incorrect address ( XXXX from which I had moved ). This mistake is innocent enough and I thought would be easily resolved. 

I have, since XXXX of XXXX, been in contact with BMO Harris Bank every couple of weeks to check on the status of my check and provided them with my new mailing address multiple times. I have received varying responses : they must wait 90 days for the check to void before sending me a new one ; they must send me paperwork to sign to confirm I have moved before sending a new check and voiding the old one ; that a manager has been referred to this case and will be in touch with me, etc. 

A manager has never phoned me to resolve this and I have not received via email or postal mail any of the supposed forms they have asked me to fill out.
Product: Credit reporting or other personal consumer reports

I am reiterating this complaint to draw attention to the circumstances surrounding my identity theft. Once more, these adverse accounts remain unresolved. In adherence to legal mandates, your obligation extends to the removal of these negative accounts, as well as all the items enumerated below. Consequently, I respectfully urge swift action for their removal from each bureau. Your cooperation in this matter is sincerely appreciated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Owed : {$2600.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$29000.00} XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$18000.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy XX/XX/2014 XXXX Bankruptcy Court Discharged
Product: Credit card or prepaid card

I was the victim of identity theft. Someone used my previous last name, with my DOB and SS number to open a XXXX XXXX through Barclays. I have not used this last name since 2016, this person charged XXXX dollars. This account is not mine. Despite numerous calls, sending of the police report, ftic report and letter they are still refusing to acknowledge this is a fraudulent account and demanding that I pay the money or they will ruin my credit. This is not my account and it was not me that opened it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I signed up for a free service called TrustedID sponsored by Equifax. I had locked and unlocked my credit report several times between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I requested to unlock my report as I am in the middle of a new mortgage and they are required to run my credit. When I clicked on unlock, it indicates " An error has occurred ''. I have called XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX over the past 7 days and have spoken to a supervisor in each of those departments. Thus far, I have been unsuccessful at getting my credit unlocked. This could cause me to lose my house and down payment. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The Credit Bureaus are reporting 30-days late for XXXX. 
XXXX previously said we were 30-days late for XXXX, not XXXX & submitted a negative mark for it. 
We requested COVID assistance in XXXX from XXXX for both cars we have with them. They only processed one then ( not this one ). We had made a payment on XX/XX/XXXX. 
We made a payment for this car on XX/XX/XXXX over the phone with an XXXX  collections rep. The rep acknowledged that there had been a delay processing our COVID deferral request. The payment made in XXXX would apply to XXXX & all late fees would be waived because it was their fault for the delay. The rep also said thered be no impact to our credit. 
We filed a dispute on XX/XX/XXXX after it came to our attention that XXXX had filed a negative mark on us. 
On XX/XX/XXXX we spoke w XXXX  who said the issue was being worked on and would be resolved in 2-3 days & apologized for the inconvenience. Experian confirmed on the same day that they had yet to hear from XXXX. 
We followed up XXXX XXXX on XX/XX/XXXX who confirmed that the late mark would be removed & a credit correction letter emailed to us confirming this. It would be sent within 48hours. 
On XX/XX/XXXX, we still had not received the email & followed up w XXXX. The XXXX rep said that because of legal issues relating to credit bureau reporting they could not email the credit correction letter to us but would mail it to us no later than XX/XX/XXXX. 
On XX/XX/XXXX, we still had not received the letter & followed up w XXXX. We spoke with 3 different reps on XXXX. The first said that they actually could not legally send us the letter but that an update was sent to the bureaus on XX/XX/XXXX removing the late mark. XXXX suggested we follow up with the credit bureaus which we did only to be told they had not receive an update from XXXX removing the mark. 
We lastly spoke w MBFS Subject Matter Specialist, XXXX XXXX. She checked with their collections team & confirmed our story. XXXX also confirmed that MBFS credit dept had auto/manually corrected the late payment mark & the account shows no late payments in its history & in good standing. This update was supposedly sent to the bureaus on XX/XX/XXXX removing the mark. 
Experian still shows a late mark on the account. Pretty absurd given the strict rules around COVID deferrals.
Product: Debt collection

I have tried to reach the company multiple times and I have not heard back from them. I DONT OWE PLUS FOUR INC any money for any medical debt. they are reporting false information and all of my medical is covered through the military. Please stop reporting these false claims because you are causing me a lot of damage. One claim is for {$170.00} and the other is for {$200.00}. Please remove these now and do not place them on my credit report.
Product: Debt collection

In XXXX to my complain on CFPB website, " Rent Recovery Solutions '' mentioned that Copies of their client 's substantiating documents were sent to the complainant at his request on XXXX/XXXX/XXXX. On phone conversations just this week they clearly mentioned that no documents were sent to me. I am sure they have audio recordings of our conversation why dont they share the full unedited audio recordings with CFPB? 
Also if they sent me the documents I am sure they have the proof. I need the proof that they sent me any document
Product: Student loan

MOEHLA is my servicer. I received a bill from them in XX/XX/2024. I got no notice that the bill was coming and the amount or options to join other repayment plans to lower the amount I need to pay. My XXXX is wrong. My son is taking XXXX of 2024 off to deal with XXXX issues. He is enrolling for XXXX 2024. I have requested a deferral in payment until he XXXX I have not received any response. It is impossible to talk to a person at MOEHLA. The whole system is broken and the customer service is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these banks, I bank with or have an account with! I do not recognize signing up for anything! Or someone used my information!
Product: Credit card

I 've credited with bank of America. I lost my credit cards and also report to the bank and requested a new cards but never receive a new cards in mail. Recently I check my bank using online mobile app and it shown unnoticed balance as well with tremendous interest charge which I have no clue about.
Product: Payday loan, title loan, or personal loan

Santander Consumer USA has lied over and over again in their correspondence to the cfpb. They never mailed me any documentation at any time concerning anyting post repossession of vehicle. Allow me to set a few things straight and prove that Santander is XXXX  ; Point one ; when I did the recording to repossess the vehicle I was told that I was not to pay any more money until I got proof of how much the vehicle sold for and what the value of the delinquency would be post sale. I was also advised that is 3 to 5 business days I would be contacted by somebody from the towing company telling me when they would come and repossess the vehicle. However, Santander negligently or maliciously did not supply the towing company with the telephone number and subsequently the next morning following the recording they were at my home repossessing the vehicle. 
Point 2 ) Santander turns around and charges the account off without giving me any opportunity to set up any sort of payment arrangements to keep the account in a non charge-off status. This just proves this Santander is out to ruin my credit and the multitude of class action deceptive lending practice lawsuits lend credibility to what Santander is doing to myself. 
Point 3 ) Santander states that they have sent me paperwork if they have no proof nor have they furnished and approve other than attaching copies of documents to their responses but yet they have no proof that they were actually ever sent to me which is convenient for this Corporation. I have continually ask them to correspond with me via mail in regards to establishing some sort of payment arrangements as I do not wish to communicate with them via phone because they're dishonest and they've shown that they can't be trusted especially when they tell me that I'll have three to five business days before the vehicle is repossessed and then they show up at XXXX XXXX. the next morning to repossess it ...
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband and I opened a mortgage with XXXX XXXX on XX/XX/XXXX. In accordance of the divorce decree my ex husband refinanced the mortgage with XXXX XXXX on XX/XX/XXXX. XXXX XXXX  kept the same account number but removed my name. XXXX XXXX  reported to XXXX  and XXXX  who reported appropriately the account was paid off and closed. Experian   however has continued to report my ex husband 's mortgage on my report. When I wanted to dispute this with Experian  I had to pay for their credit monitoring service prior to being able to dispute.The dispute was filed XX/XX/XXXX. The dispute came back on XX/XX/XXXX with report number XXXX that the account had been updated or removed. When I viewed the report it said terminated. The responsibility for the account had been terminated due to Experian not receiving a response from XXXX XXXX. Now the account reports as terminated when lenders pull my FICO 2 report. It does not report my responsibility for the account was terminated. On experian  my report through them shows account PAID, closed on the accounts on my report summary page. When you click on the account it says responsibility terminated account closed. The account still reports payments from XX/XX/XXXX to XX/XX/XXXX. This includes 17 late  payments on the account. To add insult to injury the 17 late payments occurred seven to eight years after my name was removed from this account with the most recent late payment being XX/XX/XXXX. This is dragging my credit down significantly according the lender I am working with to try to buy a house. I opened another dispute with Experian on XX/XX/XXXX. I can't get ahold of a person at XXXX XXXX  to talk to them. The only thing I can do is make an automated payment when I call customer service for XXXX XXXX. When I call Experian customer service all they say is I have to file a dispute and the dispute center has to process it. Customer service for Experian is not able to remove any item correct or not correct. Now the second dispute says, " This item was updated from our processing of your dispute in XX/XX/XXXX. '' The dispute center says it is under dispute until XX/XX/XXXX. I want the credit report to be correct. This mortgage was closed XX/XX/XXXX and paid in full with no late payments on the account.
Product: Credit card

I tried to resolve a late payment issue with the customer service representative, XXXX and she was unwilling to listen to my problem and only wanted the fee. As I explained I have never been late, always paid in advance but I recently asked to get a new number because I thought my card may have been compromised. I stated that I was on vacation and that I ca n't tell what happened to the scheduled payment as the old account was closed. I informed XXXX that I would pay off the account in full today but please waive the late charges. She refused and stated she did n't have the authority. I asked to speak with her supervisor, which I left s message to call me back. Of course, the supervisor did not call me back. As a result of my poor experience, I cancelled my card and paid in full. Still no call from a supervisor.
Product: Credit card or prepaid card

FIFTH THIRD BANK CLOSED MY ACCOUNT THAT I OPENED BACK ON XXXX XXXX 2017 I DO NOT HAVE THE SPECIFIC DATE ON WHEN IT WAS CLOSED. BUT IT WAS CLOSED DUE TO SOMEONE LOGGING INTO MY ACCOUNT DUE TO A SCAM. NOT SURE WHY THEY CLOSED MY ACCOUNT WHEN THEY COULD HAVE JUST CHANGED MY PASSWORD. 

BUT THIS HAS CAUSED MY ACCOUNT TO BE DELINQUENT AND HAVE A NEGATIVE EFFECT ON MY CREDIT SCORE
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payments on Account XXXX  Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXXXXXX  and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Additional Details : The inaccurate late payment notations for XXXX, XXXX, and XX/XX/XXXX have caused significant harm to my creditworthiness and financial opportunities. These errors are preventing me from obtaining favorable loan terms and have resulted in undue stress and inconvenience. 

Discrepancies Identified : High Balance : Reported as {$200.00} Last Verified Date : Not provided. 
Closed Date : Not provided. 
Account Status : Reported as " Closed '' but details differ across sources. 
Credit Limit : Reported inconsistently as {$200.00}. 

These discrepancies and errors in reporting late payments directly violate the following laws : FCRA 1681i : Failure to ensure accuracy and to investigate disputes properly. 
TILA 1666b : Failure to provide periodic statements within the required timeframe. 
FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information. 
FCRA 1681s-2 ( a ) : Furnishing inaccurate information to consumer reporting agencies.

15 U.S. Code 1692e : Prohibition against false or misleading representations in debt collection. 

Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXX from my credit report. 

Written confirmation of the correction. 

A thorough investigation into the discrepancies listed above to ensure the accuracy of all future reporting. 

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

I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. The Fair Credit Reporting Act Section 611 ( a ) stats that a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has almost been 45 days. The items that I have listed within the correspondence I sent them must be deleted immediately please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

These accounts were opened fraudulently XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a dispute with Citibank regarding unauthorized charges & they started an investigation they requested more time but never communicated with me for over 3 years then suddenly I received a Court Summons from XXXX XXXX XXXX to appear in court for an excessive amount & I requested a list of all charges & I have not received same. XXXX Account # XXXX
Product: Credit card or prepaid card

I have been recently informed that there is negative information reported by your company, Sears, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see and entry listing a balance of {$970.00} as of XX/XX/2020. 

I challenge the accuracy, compliance and report-ability of this listing. I have no knowledge of every doing any business with your company. Please validate this information and provide me with copies of any documentation associated with this account, BEARING MY SIGNATURE. I am keeping careful record of your actions, including your Method of Verification. I don't consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this complaint letter may result in a small claims action against your company, seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX