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

I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account below : XXXX BANK XXXX
Product: Mortgage

Goldman Sachs is the owner of my mortgage and XXXX XXXX XXXX is the servicer. My mortgage has been transferred 4 or more times over the course of 15 years and recently twice in one year. There is a lot of confusion in the validity of my promissory note. I have reviewed my original Mortgage documents including the original promissory note and modification agreement back in XXXX and XXXX. I recently received requested documents from XXXX and documents after a CFPB complaint and after careful review, I noticed that my original promissory note and permanent loan modification documents are not the same. Appears there documents have been altered or tampered with question the validity of my promissory note and modification agreement in XXXX. The correction of my name without my acknowledgment or initials. The notarizing of the documents without my presence. Most Importantly the unfair terms in the entire note and agreement including interest rate renders the promissory note simply invalid. This was during the time of predatory lending right before the housing crisis and bailouts. Lending practices were being violated resulting in invalid promissory notes and mortgages. I would like for Goldman Sachs and XXXX XXXX  XXXX to recognize the abuse and unfairness of the agreement and render the promissory note invalid. If we can not come to an agreement of some sort that satisfying to both parties then I have not other recourse but to seek legal redress.
Product: Debt collection

I got a car loan from navy fed and unfortunately lost my job and haven't been able to pay but they shut all of my other accounts and took the money I had in my savings and checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts on my credit report that do not belong to me I have not approved authorized or used these accounts I need this off my credit reportr ASAP!!!! 

XXXX/XXXX  XXXX  - Account # XXXX Amt {$2200.00} XXXX XXXX - Account # XXXX Amt {$830.00} XXXX XXXX XXXX XXXX - Account # XXXX Amt {$3400.00} XXXX XXXX XXXX - Account # XXXX Amt {$1100.00} XXXX  XXXX XXXX XXXX - Account # XXXX Amt {$300.00} XXXX, XXXX - Account # XXXX Amt {$130.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

they let XXXX XXXX pull my credit twice in two days why? 

XXXX XXXX  cra violation inaccurate info XX/XX/XXXX Credit Unions XXXX XXXXXX/XX/XXXXCredit Unions
Product: Mortgage

month ; y payment {$3200.00}, was paid correctly and timely each month. i called the company to get the history corrected prior to selling the house
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my Credit Reports. I found that I have numerous Hard Inquiries on my reports that I did not authorize. ( See Identity theft report ) The following are Hard Inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay so I wrote you all about 3 weeks ago and Equifax deleted my file. I thought it was taken care of but when I went to pull my credit report Equifax has still not put all my positive credit back onto my file, It is affecting me from getting new credit and a mortgage. Do I have to file a law suit? Only thing showing on my account is two accounts that were deleted after I disputed it. they put it back on there and I never requested a fraud alert and they extended out to the other bureaus which I recently had removed XXXX XXXX and XXXX. What is it that I need to do to get this resolved hire an attorney? So what appears to be happening is that they are disputing on my behalf and its affecting my credit score. I am not asking for a dispute I am asking them to put back all my positive credit they removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has inaccurate reportings on my consumer report that has impacted me severely from onbtaining new credit and up to new empoyment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with XXXX XXXX XXXX  and its showing late payment on XX/XX/XXXX and XX/XX/XXXX. I was never late.
Product: Credit card or prepaid card

I received a US Bank Reliacardin the mail in the week of XXXX XXXX, 2020 and did not request the card. I can not get through to anyone at US Bank to make sure it is not active. This looks exactly like a legitimate Visa card but I read online that there is a fraud scheme issuing false employment benefit cards especially to retired people or those who may have been part of a past fraud scheme. 
I am working and was part of the XXXX  and XXXX frauds a year or so ago. 
I did not activate the card but began the activation process before hanging up, thinking that if I activated it I could finally contact someone to close it - then thought better of that move. 
How can I check to make sure this card is not active?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. Block 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 XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

.I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXXXXXX {$2100.00}
Product: Credit reporting or other personal consumer reports

A world finance agent specifically stated the unlocking of my credit would not result in a hard inquiry that it would result in a soft pull
Product: Credit card or prepaid card

I noticed an unusual charge on my Capital One statement. I contacted Capital One to resolve the issue. They extended a credit for the amount then simply reapplied the charge without notice or incident. I attempted to rectify the situation further only to be transferred 4 different times, each time having to explain what was going on. Fraud department refused to change the charge and said that there is absolutely no way it could be fraud even though the charge was at a business over an hour away from me ( in an area I would not go for any reason ) and something I would not patronize. So much for their " customer protection ''. 

Beware of using ANY of their services.
Product: Credit reporting

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$470.00} This account has wrong balance and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ( XXXX ) ACC BAL {$260.00} This account I have never done business with this company I have no contract with XXXX please delete . 
3.XXXX ( XXXX ) ACC BAL : $ XXXXThis account is a HIPPA Act Violation. Please delete error. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my XXXX credit report from AMERICAN CREDIT ACCEPT XXXX XXXX when I never got any financing from them. It's hurting my credit dramatically. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has 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.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. I consent to publishing this description after the CFPB has taken these steps.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

XXXX is aware and has proof that Transunion is in violation of USC 1681c-2 ( a ) ( 2 ).
Product: Debt collection

I opened an account with Best Buy at their urging to get a rebate. When I tried to claim the rebate, it was not available. They apparently checked a box that said they could neither call or mail me about a balance due. I received no invoice on the account and thought it was paid in full. I closed the account on XX/XX/2019. On XX/XX/2019, I received a letter demanding payment of an account that was 159 days past due despite having never received an invoice. They advised they sent me an email saying I could go to the Best Buy Visa Citi website to view my bill. I never received this. They told me my {$3500.00} bill was now {$4200.00} and they could waive only one month of late fees. Or, I could compromise the bill with {$2100.00} and they would report to the credit bureau I could not pay my bills. I told them I would pay the full amount for the invoice but not late fees as I did not receive an invoice. They said that was not an option. They also said to call me I would have to agree to have my cell phone number used for their partner sales calls as well. So, Best Buy committed fraud with the rebate offer which was fraudulent and Citi VISA in not providing me a bill and then offering as an option either a bad credit report or an high late charge ( {$700.00} ). Neither is an acceptable option.
Product: Payday loan, title loan, or personal loan

I receive a loan from this company in which interest rate sent was exceeded what law allows. I have tried to payback loan but due to high rate I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed account that was not reporting accurately. My student loan accounts that are reported outstanding and no longer outstanding and reporting an open balance, I provided you with my current Loan verification letter from my Lender XXXX my current balance is {$41000.00}. XXXX, TransUnion, and XXXX are reporting {$51000.00} which is over {$9800.00}. There are {$5500.00}, {$2000.00}, and {$2300.00} that are reporting on my credit each month that I have no balance on, and should be a {$0.00} balance/removed, by law you have to report information that is accurate. Review information and updated my credit report immediately and remove those account/amount off my credit report as they don't match what XXXX loan has, or I owe. You are illegally reporting information that is not accurate.
Product: Debt collection

The Debt Collector ( Genesis/Columbia Debt Recovery ) is not owed any debt. I moved out of my apartment at XXXX XXXX ( the leasing company ) in downtown XXXX on XX/XX/XXXX, I do have documentation of me moving into my new apartment on that same day if absolutely necessary. 

When I filed a complaint with the XXXX  XXXX they ( Genesis ) responded by providing documents that only allege I was in the apartment from XX/XX/XXXX to the XXXX and challenge me to prove I was not. In this case the law is quite clear ; Under 15 U.S.C. 1692g the debt collector is responsible for verifying all aspects of the debt and providing proof of the things they allege. 

In the itemized list they sent me there was a large amount for prorated rent through XX/XX/XXXX, parking costs, and a late fee, all for time in which I had already exited the building. I've covered above why that's a false debt. The other part of the debt is made up of a reletting fee which was described in my lease- however the building forced us to leave without any eviction notice and therefore broke their contract with us as tenants which is also very clear under the law. They counted our security deposit towards the debt, which we would like returned. 

Here are some cases that establish precedent for which we believe this debt must be dropped : 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 Also the leasing manager at the XXXX XXXX has been XXXX  my social media profiles.
Product: Debt collection

Access Management is the name given. The number they are calling from is XXXX. The caller ID is ACESSRECVBLES.It 's a robocall. This is a landline they are calling. 

They call almost daily. My experience is that they are fishing for a debtor by using the least expensive, laziest methods. One of which is to simply robocall anyone with a similiar name using a computerized database. I know of no debts that me or my family owe that are outstanding. Googling this company does bring up the name of a supposed " ethical '' debt collector. 

If a debt collector calls me wanting to know if so and so can be reached at my number, I tell them that I will let them know after they pay {$15.00} to my XXXX account. They usually unceremoniously hang up.
Product: Credit reporting or other personal consumer reports

A registered deliver of security was tendered with special endorsements for the principle account ( investor ) for satisfaction and discharge as well as cancellation pursuant to article X1 in the base indentures for the issuer and registrar. I am giving notice of instructions to fulfill your fiduciary duties pursuant to article V1 section 7.01 of the base trust indenture and also communicate within 15 days giving reason of non performance of fiduciary duties per the trust indenture Act of 1939 and the securities Act of 1933. My UCC11 search also shows no liens as it was release after 21 days by the previous Note holder as the Prom Note was sold to Wells Fargo and Company for servicing a servicer can not collect payments. I was suppose to receive a XXXX XXXX at the start of the contract I never did 16 CFR 4331 stop braking the law. Ucc 3-603 tells us a debt can not be paid with a debt. And Ucc 3-604 tells us if the negotiable instrument was returned or destroyed the debt is discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the record i would like to first state that my papers are notarized showing you I am indeed who i say i am I XXXX XXXX XXXX SUBMITTING THIS ON MY OWN BEHALF. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, Section 611 ( a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my info was impacted by the Equifax data breech and might have got into the wrong hands or information mixed.
Product: Debt collection

Text Message from number XXXX disguised to be from Frost-Arnett Company , a debt collector. Asking to select an " encrypted '' link and enter billing zip code.