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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$13000.00} XXXX XXXX XXXX # XXXX -- {$120.00} XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$460.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$590.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$690.00} XXXX  # XXXXXXXX XXXX XXXX, XXXX # XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$920.00} XXXX, XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There were fraud credit reports pulled with my 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  XX/XX/XXXX none of these were ever authorized by me but someone using my social as fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2023. To remove personal Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people.

These are clear violations of my federally proceed consumer rights 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 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 XXXXXXXX XXXX XXXX XXXX ; # XXXX ALL continue to violated my rights.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This account ( XXXX XXXX ) belongs to a person with a similar name. My name is XXXX XXXX. XXXX XXXX. The account is in the name of XXXX XXXX. Its a similar Name, but does not belong to me. The address is not the same. Ive contacted Experian several times to have them send me the info they used to verify the request ( ID, Address docs etc ) and they sent nothing. This collection of affecting my credit Substantially. I need this removed from my account asap
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on a account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

The following creditors I have no knowledge of giving authorization to check credit and request proof of, such as signed agreement which will resolve issue. 
I have inquiries : XXXX XXXX XXXX XXXX  which I have never been. XXXX times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Trying to buy a car so they turned me down because someone has me down as a cosigner through XXXX and they made a payment on the vehicle last month. I know nothing about it.So I 'm trying to find out who 's name is on the vehicle so I can stop it.And I ca n't check my credit score on credit Karma, forgotten my password so I can check and log out.
Product: Debt collection

I didnt receive services from XXXX I told them I didnt receive service I paid for service that I never got nor did I get my money back
Product: Credit reporting or other personal consumer reports

I never added any fraud alerts to my account. Please remove them as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 usc 1681. Accounts : grain acount # XXXX XXXX XXXX : acount # XXXX self : acount # XXXX XXXX XXXX XXXX XXXX : account # # XXXX and XXXX XXXX pm : acount # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX : acount # XXXX XXXX XXXX : account # XXXX has violated my rights.I looked at my experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate.and according to the fair credit reporting act 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.according to 15 usc 1681 ( e ) ( b ) and accordance to 15 usc 1681 I 5 they are suppose to do this ( XXXX ) treatment of inaccurate information ( a ) in general, after any reinvestigation under paragraph ( XXXX ) 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 ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information that the information has been deleted from the file of the consumer. And according to 15usc1681 s-2they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

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

I was made aware of some inquiries on my credit report that do not belong to me today XX/XX/20. The way I found out about these inquiries was because I applied for a credit card and I was not approved because of these inquiries. I did not allow any of those companies to run or access my credit nor did I allow anyone to make these credit inquiries in my name. I did not benefit anything from these inquiries that were made in my name without my permission and I have already filed a police report and I contacted all of the creditors listed on this report.
Product: Prepaid card

I can't spend the remaining money on my gift card even though funds are still available. Every purchase at various merchants is declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Received an alert from TransUnion via XXXX that XXXX XXXX XXXX XXXX had requested credit inquiry. 

XX/XX/XXXX - I contacted XXXX XXXX XXXX and informed them this was not me.
Product: Debt collection

Sent a cease and desist letter via fax on XXXX XXXX, 2016. Called and spoke with a representative and verified receipt by the company. Still getting phone calls in violation of the FDCPA. So far there have been XXXX occurrences after verified receipt of an order to cease and desist.
Product: Mortgage

To whom it may concern, On  XXXX   XXXX  , 2017 I submitted an application to Ocwen, for a loan modification. I emailed them three p  aycheck stubs as requested, however they said it was a problem with my year to date income. Ocwen relations manager (   XXXX   ) said my vacation pay stub had the same year to date total as my regular pay stub. I explained to them that my company (   XXXX   XXXX   XXXX   ) pay us two weeks in advan ce before our vacation and that would reflect the same year to date as my regular pay.  XXXX  stated that  XXXX   XXXX   XXXX  would have to submit in writing with their company logo on the letter head my date of hire, employee number, and year to date earnings. I explained to her that my employer could only send that information at a local level, meaning  XXXX   XXXX   XXXX   XXXX  will not send sensitive information to a third party. My center  manager  (  XXXX   XXXX   )  sent me a letter to forward to them with all of my information regarding my hiring date, year to date salary, and his contact information. Ocwen relations managers  ( underwriters ) said that was unacceptable and they could not move   forward with my modification request.
Product: Credit reporting or other personal consumer reports

XXXX Account number XXXX Closed XX/XX/XXXXXXXX  XXXXXXXX XXXX XXXX Account number XXXX Closed XX/XX/XXXXXXXX  Both accounts listed above I disputed due being reported twice to all 3 credit bureaus with different closing dates and accuracy. I'm demanding that all late payments be removed this mortgage loan is paid off and should reflect current.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 609. I have identified accounts that do not belong to me and have been opened without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you investigate these accounts promptly. Under FCRA 609, I have the right to request the disclosure of the information in my file, and I am also entitled to have fraudulent information removed.

Please be advised that you have four ( 4 ) days to remove these fraudulent accounts from my credit report. I am attaching my FTC identity theft complaint for your reference and further validation of my claims. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

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

Account was included in bankruptcy, remove immediately for inaccuracy. I sent you proof directly from the creditor that this would be removed and does not belong on my credit report, but I am still seeing it listed! Remove this account immediately XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I logged into my PayPal account and it was working and rejected no limitations, my friend sent me {$520.00}, {$12.00} was deducted for fees to PayPal. The remaining {$500.00} was now on hold and was asked to provide further information to verify. I explained that personal payment so no invoice or shipping label necessary and was only personal and friend mislabled. They review the new information and they decided to permanently place account on hold and I would have to wait 180 days to receive balance. Now that is ridiculous and all previous payment was held but the second I receive one that substantial they suddenly feel I should have account closed. I have called, emailed, called and they are refusing to send me my money. Now the only money is hold us my remaing {$500.00} because apparently the {$12.00} dollar processing fee doesn't apply?? How does that make sense? If holding for the reasons they say, then full balance of payment must then be on hold, not just my portion. Correct. They have stolen this money from me and there other way to look at it.
Product: Prepaid card

I attempted to contact company numerous times. I was hung on, rudely cut off, rerouted to get the same results. My XXXX claim was approved. I received a payment deposit on the XXXX and have been told different information. I attempted to find out if my Money Network Card was sent, I could not get an answer. Then finally a manager/supervisor said it was sent in the XXXX, rush order 2-3 days, then I was told the XXXX 2-3 days rush order.. It's the XXXX ...... It's more than 2-3 business Days ... .. My mother just passed and I'm trying to at least get emergency funds... When we had XXXX XXXX XXXX, no problem .... I've been told nothing can be done until card is received. Now I'm hearing multiple complaints that cards were sent, but never received ..... I was able to do XXXX XXXX before .... I'm so frustrated, and stressed out. I've been informed that a temporary account number is possible to transfer, no help... No help .....
Product: Credit reporting or other personal consumer reports

I sent comenity bank a letter stating that they are reporting 2 late payments onto my report which are incorrect and i even tried to send them a goodwill letter.. They sent me a stall letter and i don't appreciate that because i been a member for 2 plus years and i thought they would treat there customers a little bit better than what they do but i get NOT!!!!!!! I'm very upset.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a 3rd party filing this complaint. This is a notice to inform you that my information has been used during my XXXX  Those attached accounts does not belong to me. For I have been XXXX for 10 years. Please remove those attached accounts immediately.
Product: Credit reporting or other personal consumer reports

I am writing this follow-up complaint exclusively to your organization to express my concern regarding the absence of any resolution from your end regarding the incorrect, unverified, and misleading information present on my credit report. I am becoming increasingly worried that this situation will negatively impact my reputation as a consumer, potentially affecting my ability to secure future loans and credits. 


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 -Equifax XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The social security number is wrong and belongs to my daughter named the same as me, but with different middle initial. The experian credit report will not change the report and it remains the same. When calling the reps take your information and can not be trusted to be confidential and they may keep your information to use later
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate
Product: Mortgage

This is the second complaint to XXXX. 
CMG Mortgage retaliated against the borrower by selling the loan to another company and has not corrected the wrongfully force placed insurance. 
CFPB is obviously confused to say the least of a mortgage company responding to a published complaint and then closing the case. 
CMG mortgage gave CFPB my vehicle paperwork and non of you glorified attorneys bothered to checked the attachments uploaded to your website. 
CMG mortgage went to XXXX XXXX and stated to keep me in a {$6300.00} policy knowing policy was canceled and refused to pay my new insurance company obtained on XX/XX/year> and go into effect XX/XX/year>. 
XXXX mortgage failed to apply my escrow funds to my new homeowners insurance policy on XX/XX/year> with Orchid policy number XXXX through XXXX. 
CMG mortgage violated XXXX and Title X when said company knowingly XXXX ). Failed to send notification paper work on forced placed insurance if such actions warranted in XXXX of 2024 XXXX ). Failed to pay Orchid for homeowners insurance XXXX ). Slighted me by undermining free market on shopping for insurance again in XXXX ( which is what I suspect happened in my case as a kickback would pertain ) XXXX ). Failed to accept Declaration Page from XXXX of XXXX but acknowledges cancellation in XXXX for nonpayment of premium XXXX ). Charging an absorbent amount of money for an error that arose out of XXXX Mortgage egregiousness and unfair treatment XXXX ). Moreover, CMG Mortgage has sent a letter stating the errors would be corrected and then renigged with another letter. 
What part of estoppel does this company not understand?
Product: Payday loan, title loan, or personal loan

I walked into the XXXX, VA XXXX of Onemain Financial in XX/XX/2020 to finalize details of a personal loan I was approved for online, with conditions. I was working with a new associate XXXX XXXX. During the discussion about loan terms, I was told I would not qualify for an unsecured loan for the amount I wanted, but I could qualify for a secured loan with my vehicle as collateral. This was in XXXX of 2020. I advised the associate I would be moving out of state in XXXX of XXXX  and planned to sell the car prior to moving. I wanted to confirm I could still proceed with the loan under those circumstances. I verbally repeated the situation as so I can get this loan, with the car as collateral, and then sell the car within the month and use that money to pay off the difference and lower my payments? XXXX was new and did not have a firm answer to this inquiry, so he stepped away to ask another associate ( unknown ). He came back moments later and said that I could do that. I signed the loan. Within the next month, I called the office on XX/XX/2020 to see what was required to sell the car, per the verbal conversation I had with XXXX XXXX. I was advised by branch manager XXXX I could not sell the car so quickly after getting the loan. After repeating what was told to me, XXXX said I would not have advised that. And tried to propose additional options outside of what I was told at the loan signing that would not work as I would no longer be in-state and could not bring the car. The car stayed, Covid hit, couldnt get back when intended, car was stolen, car was recovered when the individual who stole it brought it to an auto body shop and abandoned it there, leaving me with the storage fees and a mechanics lien. Onemain financial was contacted by the body shop and when I did speak to them, they told me they could release the lien to me if I got in touch with the body shop, but the body shop never got back to me. ( XXXX signed over the title of the vehicle to the shop and never told me, only that my loan had changed from secured to unsecured ) even when I filed a complaint with their office of executive consumer care, stating I wouldnt have signed the loan if I couldnt have sold the car and I was advised I could do so. There is no other reason I wouldve done that a month before moving out of state. After an investigation from the executive office with the XXXX branch, the XXXX branch denied the claims. The area serves a high marginalized population and I am concerned of other instances of misinterpretation, especially as the area also has a very large XXXX  speaking population.
Product: Credit card or prepaid card

On XXXX XXXX I purchased two XXXX Watches from Best Buy for XXXX presents. I ended up not giving the watches as gifts. On XXXX XXXX through the BestBest.com I initiated the return of the two watches. Best Buy provided the shipping labels. I elected to return the watches by dropping off at a local XXXX Store. Under Covid-19 terms I am considered XXXX XXXX. I did not want to visit a Best Buy store and stand in line to make the returns. On XXXX XXXX I visited XXXX Store and dropped off the two watches. The watches had to be returned by XX/XX/XXXX. On XX/XX/XXXX, l spoke to XXXX at Best Buy and was told I would see a credit on the XXXX statement. After the XXXX statement was posted it did not show any credit for the returns. On XX/XX/XXXX I opened a dispute with Best Buy Credit Services. Best Buy Credit Services denied the dispute and said I was responsible for the charges. I then resubmitted on XX/XX/XXXX my dispute by sending by Certified Mail a document containing fourteen pages of proof. I have not received any further communications from Best Buy Credit Services.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The XXXXcredit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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