23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage account being reported on my credit report by XXXX, XXXX, and Experian that shows inaccurate late payments, up to 60 days, that are different on each bureau and have not been verified after several attempts to correct or remove the account. I have sent in multiple dispute letters, and have talked with each bureau on the phone, and have not made any progress, the account still remains unchanged on my credit report. 

I have made several attempts by mail over the last year or longer. The late payments on the account have never been verified but remain on the account. I have also spoken on the phone with each bureau and made no progress. 

This account has been negatively affecting my credit report and preventing me from getting new lines of credit, loans in particular. Not one of my other accounts shows any type of late payment activity. This account has made my financial situation very difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attached document of the inquires that were not mine. I don't know how they got onto my report however it is incorrect. It's negligent of the credit bureau not to remove these even after I showed them proof it wasn't mine. On the other hand they've provided zero proof that it is mine. I've tried contacting the companies but they didn't answer me. Please remove them immediately.
Product: Credit card or prepaid card

I have had the account with this company for years never had any issue now that i decided to use my right and features of having this card and add authorized users to the account my account gets labeled with " Frivolous Fraud '' hindering my ability to use the account this issue has been going on for almost 3 months they have requested documents of my current authorized users once i sent it in they know claimed they needed information from those who aren't even on my account any further, then i sent that and it was a so called issue of not being able to read the documents once sent again the continue to give me bs excuses and never once asked to verify my information as the account holder im beyond fed up this company has no issue taking my money but has an issue communicating what the issue is with my account I will be filing a civil suit against this company since they don't seem to be able to get this resolved and think there going to have me running around in a middle of a pandemic this has gone on way to long and this is the final straw this seems to be a case of discrimination after conversing with every representative I have now enough proof and evidence to file my claim against this company for discrimination and being prejudice. This has caused me more harm and XXXX to my XXXX and all this XXXX  i will seek damage for if this isn't resolved within 15 business days
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

XXXX5 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 and XX/XX/20 I sent two certified letters to Equifax asking for the removal of accounts and inquiries that didnt belong to me. I also asked for the original documentation to be sent to me which they never sent. I sent another letter on XX/XX/20 asking for methods of verification after I found that Equifax said they verified the inquiries but yet one of the creditors removed it after they said it was inaccurate. Another letter was sent on XX/XX/20. I have not received anything tying me to the debt or inquiries.
Product: Credit reporting or other personal consumer reports

On or about XXXX of 2023 I tendered payment in full for the alleged automobile installment contract. Since that time XXXX XXXX XXXX has and still is reporting to Equifax, XXXX and XXXX as an auto loan. There are errors that XXXX XXXX XXXX intentionally misreported to my credit report that need to be deleted as well as errors in the instrument used to support the alleged debt. First, there was a down payment when a finance charge was present. 15 USC 1605a, " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. '' Please see attached. Secondly, I sent the properly endorsed order to pay negotiable instrument attached. It states it " secures payment of all that I owe '' as per the Additional Terms and Conditions subsection Security Interest to settle any obligation. Next 18 U.S. Code 8 states that all obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. '' This agreement represent an certificate of indebtedness and a certificate of deposit when it is properly endorsed so any debt in this agreement has been paid. Please remove any and all inaccuracies based on these facts.
Product: Student loan

When this loan was taken out the XXXX  XXXX XXXX XXXX was supposed to teach me how to become a certified public accountant I want it to be abundantly clear that they did not teach me anything at all to do with accounting whatsoever. The school also quoted that they would get me a high-tech job with XXXX of their high-tech companies also a lie. The bottom line is I get a tiny XXXX check which I can barely scrape by as it is I can afford no payments and don't understand how the debt did not get disqualified anyway due to the fact that I should have been part of some lawsuit somewhere for being mislead. Classic bait and switch.
Product: Credit card or prepaid card

My Citibank Thank you reward membership has been hacked three times since XX/XX/XXXX. First time, someone tried to use my reward points for gift cards and i noticed odd activity on my account when I got an email stating I changed my mailing and email address. I was able to dispute the points and was told it would never happen again. 2nd time was XX/XX/XXXX, I got an email about a hotel booking I did not do. I was told the charge was reversed and that for future use of my points, I have to call in through their security system. Then in XX/XX/XXXX, someone transferred XXXX points to an airline. I've changed my password every time this happened and I was guaranteed that this would not happen again.
Product: Credit reporting or other personal consumer reports

I would like to have all hard and soft inquiries deleted off my credit report because Per 15 USC 1681, I gave no written consent for this information to be reported. Also 15 USC 6802-6805 and 16 CFR 313.2 both state that I can opt out of anything on my credit report at anytime. The privacy act of 1974 also covers that I have a right to privacy of all my personal information. All these inquiries need to be deleted immediately! based off law, I would like {$1000.00} to be debited to this account for this mistake or I will take legal action. Routing # XXXX Account # XXXX the FCRA, 15 USC 1681 states Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Checking or savings account

My debit card had hundreds of unauthorized transactions for about a week staring at the end of XX/XX/year>. I raised several claims. Some of the claims were accepted. Most were rejected stating it was normal activity, which it was not. 
I tried to escalate the claims and was given the run around my several siffeeent agents. I have gone into locations and told to come back when the manager is available. I have called my closest location and spoke with assistant manager. She never returned my calls. The manager never returned my calls. I have over XXXX XXXX in fraudulent transactions. Even my local police department has done nothing.
Product: Mortgage

Hello, I have a home mortgage with TDBank. I desire to make additional payments toward principal on this loan. They do not allow you to do this -- either through electronic banking or through automatic funds transfers from other banks. They force you to call a separate mortgage department and process for each transaction individually ( or mail a separate payment each month ) thus putting up a barrier to the consumer regularly adding additional principal payments and thus shortening their loan term. I found it annoying and revealing that they call additional principal payments " Curtailment '' payments and not principal payments. In short, no one could give me a way of having additional principal payments added on a recurring basis. This seems like a passive way of ensuring that the consumer has barriers up against prepayment and should be against the law in my opinion. None of my other mortgages operate in this way there is complete transparency of how many payments I have left and I can pay down principal electronically any time I want from any account I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Transunion must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a XXXX  girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below : Inquires 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 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Consumer Loan

In XXXX 2013 I purchased a current year Toyota XXXX from Toyota and at the time of my vehicle purchase I also purchased the tire and oil maintenance plan with an extended warranty also. My tire & oil maintenance plan was to begin after I 've reached XXXX miles on my vehicle. For I was already covered for all of my maintenance work under Toyota 's Care plan up to XXXX miles. After reaching XXXX miles on my vehicle, I attempted to go to XXXX Toyota dealerships to have my car serviced under my prepaid maintenance plan. And I was told that I must return to the original dealership that sold me the vehicle in order to have my service covered for free. so I paid out of pocket for the maintenance service. So on my next service visit I went to my home dealership and that 's when I was told that the prepaid maintenance plan that I purchased expired at XXXX miles. I was very upset and disappointed to find out that I was a victim to fraud by the dealership and sold a maintenance plan in which I was already covered for by Toyota Care up to XXXX miles. After several attempts to resolve this issue with Toyota and XXXX Administrators in which I was asking them to reactivate my XXXX year plan starting from today and with my current miles, I did not receive any resolution. I was told there is nothing anyone can do to assist me. Now I am asking for the help of Consumer Financial to resolve this issue by activating my 2yr/ XXXX miles prepaid maintenance from today and with my current mileage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following account XXXX XXXX XXXX. Please  investigate and ensure there is no fraudulent activity.
Product: Credit card or prepaid card

I purchased a gift card went to activate it only to find out it has already been taken to a XXXXXXXX XXXX from a googleXXXX XXXX I have no idea what that is nor did I ever intend or authorized the use of this here. Ive been I. Touch with google and gotten nothing but the run around avoiding the situation with transfer to transfer no one knows or can fix it. Unless then I give a bank statement showing it I cant cause the card doesnt exist really when u get online because it was wiped clean before I registered it
Product: Credit reporting, credit repair services, or other personal consumer reports

Never was my addresses XXXX XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Ma XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  MaXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

Yesterday I signed up for a company called XXXX XXXX and it verified my bank account and everything, when I go to work today I should be able to start receiving money from them if I so choose to, which being extremely low income I desperately need to do from time to time by just a few dollars here and there so I do n't need to overdraft my account. My bank which is citizens bank of PA is not partnered with this company so apparently they just want people to overdraft their accounts if they desperately need gas, or toilet paper so they can get the XXXX dollar fee. This company XXXX would be a huge help to customers in keeping them from paying those fees to banks. Me myself I can personally attest to how much this company would help people like me. I just was paid yesterday and my entire check went to coolant for my car, oil for an oil change, rent, and everything my XXXX year old needed and what my XXXX XXXX olds daycare requires him to have and as this is his first day of daycare today I needed a lot. I do n't have the money for gas to drive my XXXX year old to her daycare in moon for an entire week, I do n't have money for gas for work, I 'm at 1/4 of a tank my car is a gas hog until the oil is added and coolant. The only reason my bank has not joined with this company is to get the fees charged from having to overdraft when this application will eliminate the need for that. I feel all banks should be required to join with companies like XXXX to help eliminate fees being paid to institutions as people wo n't need to overdraft.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I just checked my credit reports and there's some un-mailable addresses and addresses that I have never lived at. According to the FCRA, 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Also according to 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to my credit report without my written consent is considered Identity theft.
Product: Credit card or prepaid card

I am going through a divorce and lost a job due to layoff. I continued to make payments even when I had no job and eventually fell behind early in 2018. I called CapitalOne to inquire about a reduced payment or payment assistance program in or around XX/XX/2018. I was told by their collections department that they can not offer me any payment assistance while the credit card is delinquent. I brought the card current. I'm now physically separated from my wife and my current jobs combined pay less than the job I lost. I called back to CapitalOne today on XX/XX/2018 and was told since my account is not delinquent there is nothing they can do. If I have a problem with making my next payment then they " may possibly waive a late fee ''. I asked the rep for notes regarding my previous calls for help and mysteriously CapitalOne didn't document any discussions regarding my request for payment plan assistance. This company has no interest in assisting their customers who run into financial difficulties and will mislead them into getting the account current for their own corporate benefit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent inquiries listed on my credit report. As a victim of a data breach, I did not authorize the inquiries detailed below. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these inquiries be investigated and removed from my credit file immediately. 
Fraudulent Inquiries : 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXX XXXX 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.
Product: Payday loan, title loan, or personal loan

This company is sending threatening emails of Warrant for arrest in addition email contains all my personal information including my SSN, DOB This debt is from XXXX 2015 XXXX- The attached is a copy of the email- IT has formerly be 7 years. 
Texas and Federal Law Texas Constitution, Article 1, Section 18 This provision in the Texas Constitution ensures that no person shall ever be imprisoned for debt.

Texas Finance Code Chapter 392, Subchapter D These sections of Texas law outline deceptive, threatening, and abusive behavior that debt collectors and original creditors can not engage in. These behaviors include : falsely accusing you of a crime, using profane or obscene language, using a false name, misrepresenting that their communications are coming from an official government source.

Sections 1692d ( 1 ) and 1692d ( 2 ) in Title 15 of the U.S. Code Under the FDCPA, third-party debt collectors can not use profane or obscene language. They can not threaten you with violence or other criminal acts.

Section 1692e in Title 15 of the U.S. Code This section of the federal Fair Debt Collection Practices Act lists false or deceptive statements that a third-party debt collector is prohibited from using.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, has violated my rights. 



15 U.S.C 161 section 602 A. States I have the rights 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 instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit : XXXX XXXX remove inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 44 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Prepaid card

midland funding llc, through their attorneys XXXX XXXX XXXXhave been calling my home number constantly for the past several days, in the afternoon, their phone number is not being displayed on my caller ID, they are in direct violation of Harrasement # XXXX XXXX Paragraphs XXXX & XXXX they are attempting to collect a debt ( credit Card ) that is XXXX years old since XXXX
Product: Debt collection

I received a phone call from a debt collection company called " Summit Receivables '' located in XXXX. They claim they are collecting on a debt from a company that I did not recall taking a payday loan. I have paid many of these pay day loans off and validation of payment. I requested a written validation of debt letter to be sent to my home. They wanted payment over the phone via a credit card. I will pay the debt but will not do so over the phone with a credit card without a validation of debt.