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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you again I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; 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
Product: Credit reporting or other personal consumer reports

I have been more than patient, but the fact that these accounts in pending litigation are still affecting my credit report is completely unacceptable. I have reached out over and over again, and yet, nothing has changed.
Product: Credit card

I applied for the Citi XXXX XXXX XXXX offered to me in process of airfare booking process because there was an offer for a {$400.00} statement rebate if I purchased the air travel with the card. I applied and was instantly approved however I was not able to use the newly approved card to pay for the travel in the booking process because did not yet have this card account number and PIN. So I used another Citi card to complete the purchase. After receiving the new card a week later I contacted their Citi XXXX  XXXX customer service to ask about receiving the credit? I was advised that the special offer was only available if I had made the purchase with the card, which I could not do at the time I was booking the airfare as I explained. To me this was deceptive advertising. When I contacted Citi MasterCard customer service, they apologized but would do noting to correct the problem other than offering me to make additional purchases to earn the reward. I have canceled the account with Citi XXXX MasterCard.
Product: Credit card

I have a refund processing from XXXX as of XX/XX/XXXX, chime bank informed the refund window was from the XXXX and now they are stating its not until the XXXX of XXXX, which was when XXXX to have confirmed refund back to my original form of payment.
Product: Credit reporting or other personal consumer reports

Ive received a copy of my most recent report & noticed there were listed fraudulent accounts on my report. The vehicle does not belong to me nor the apartment. Ive never made a payment on a car. I own a vehicle. This has affected me so much to the point I was told my license was suspended from the person who got the car in my name had no insurance. This is very disturbing for me & I am asking that my complaint gets invested.
Product: Vehicle loan or lease

Carmax repossed my car and claimed it was a chargeoff for themselves and tax credit of {$32000.00}. They then added a {$19000.00} balance to the {$32000.00} Chargeoff making it a grand total of {$51000.00} in debt owed. You will see in the documents that I never owed close to this dollar amount. Carmax added this extra amount on my credit report out of spite. When Carmax was approached by the 3 credit bureaus in writing, Carmax lied to each bureau and claimed it was accurate. XXXX is the only company that listed this credit entry as a fraudulent entry. XXXX and XXXX claim that Carmax is one of their highest paying customers on the investment website and are allowing this Fraudulent behavior to continue. We have since started legal proceedings for damage against the 2 credit bureaus and will be doing the same with Carmax for Fraudulent reporting out of spite.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ; ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX court as the furnisher that's forgery and misleading when the courts don't report this type of account. These XXXX accounts were listed without my knowledge, permission. 

Both accounts are closed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 5 letters of accounts that are reporting errors and inaccuracies on my credit report and are damaging my life, please delete these items and update my personal info
Product: Credit reporting or other personal consumer reports

So for the past year, I have been asking Equifax to update my phone number ( they have XXXX old ones on it ) and they keep sending an email stating that this matter has been taken care of and I would see XXXX or both off the account for about a day! Then, they all appear again. 

The only number that should be on it should be ( XXXX ) XXXX
Product: Mortgage

XX/XX/XXXX - we were advised by our tax collector that our taxes were delinquent - Contacted Planet Home Lending and they advised that they will go ahead and correct XX/XX/XXXX received checks from the XXXX County Tax collector that my mortgage company was sending the wrong checks to with the checks being made out to the tax collector - received another delinquent tax notice in XXXX - Contact Planet Home Lending in XXXX and they advised to email them along with a copy of the checks and they will go ahead and get this resolved - Contacted our tax collector in XXXX and they confirmed that taxes were now paid. 

XX/XX/XXXX We received notice from Planet Home Lending that our escrow account was now negative {$5000.00} and that our payments would be increasing by {$420.00} a month XX/XX/XXXX made regular monthly payment of {$1600.00} ( minus the negative escrow ) while we tried to straighten out the negative escrow issues with them XX/XX/XXXX s/w XXXX who explained that because of the checks that were sent out erroneously to the WRONG tax collector, that is why our escrow was in the negative. She opened an escrow dispute and stated that they just needed to cancel the checks that were sent out to the wrong tax collector and credit our escrow account back and that should resolve the negative amounts ( makes complete sense too ) and that I need to follow up again in about a week XX/XX/XXXX s/w XXXX who now waived the {$40.00} late fee and put a hold to stop the negative CBR reporting. He advised that request was still in process and follow up in a few days XX/XX/XXXX s/w XXXX and he advised that the XXXX late fee was being still resolved and to follow up on everything in a few days, and that he sees the XXXX payment that was made for XXXX XXXX s/w XXXX who said that the {$1600.00} was applied by my request to the negative escrow account and that point I absolutely said give me a XXXX manager and she proceeded to advise me that because I used profanity she was disconnecting the call ( Sorry but wouldn't you at this point ) XXXX s/w XXXX in the Tax Department XXXX XXXX ) and she could not make sense of anything that was going on and she transferred me to her manager XXXX - XXXX then advised me that it would take about a week since he had to open a ticket for my XXXX payment to be credited to my account but he wasn't sure how to help me on the negative escrow because what I was telling him just wasn't making sense he then transferred me to XXXX XXXX - the escalations supervisor Badge # XXXX - who refused to provide me with his manager 's information but told me that he will be calling me back at XXXX with some type of resolution but he couldn't seem to provide me with what that was. But he made sure to tell me to get some good sleep. Considering this has been going on since XXXX, I have little faith that this is going to be taken care of without me having to hire an attorney. 

I can't even refinance with another company to just get away from them because this issue will just follow me to another company
Product: Debt collection

CONTINENTAL SERVICE GROUP INC A DEBT COLLECTION AGENCY Tell XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Creditor Fake Account XXXX Name XXXX XXXX  XXXX Total {$50.00} Reason, I never studied in this college and they didnt accept my admission application, and they were keep sending me email for admission form fees with out accepting my applicant, even I filed this college complain about their XXXX  behavior to Dept of Education during the application process I want to take a legal step after logging this case to CFBP, please see in your attention .for immediate any queries, its my direct number XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion in  XXXX  to notify them that  XXXX  inquiries had been removed from my report and with in 2 weeks  later they reappeared. I contacted them numerous times ; however, the representative only kept informing me that is was an error and the inquiries should in fact be on my report. I asked them numerous times why I was not notified on them being removed and being placed back on and she simply kept informing me that they did not have to notify me about my report.   XXXX  I am exhausted and I have spent numerous hours trying to get this resolved ; however, Transunion has not been willing to cooperate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following account listed on my credit report, which were opened fraudulently as a result of identity theft. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these account from my credit report. Under this section, you are required to block such information within four ( 4 ) business days of receiving my dispute, and I demand that you comply with this legal obligation.

Fraudulent Account in Dispute : Account Name/Number : XXXX Account # : XXXX Date Opened:XXXX  Creditor 's Name : XXXX  These accounts were opened without my knowledge or consent. As required under FCRA Section 605B, I have filed a police report regarding this identity theft.
Product: Debt collection

Pretended to be law enforcement to collect a debt that I have already paid. This debt was taken from my account years ago by original owner. {$680.00} debt has been readded to my credit report stating it was from 2 months ago and it was from 9 years ago and paid. Threatened to sue me. I received a letter that it would be removed but the letter stated XXXX XXXX and on my credit report it states XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened a credit card account. I supplied my P O Box address as my mailing address. Afterwards the two credit reporting agencies made three changes on my credit report. They added the credit card information, removed an address that I had not lived at in almost twenty years. They changed my address to the P O Box. I did not request an address change. This dropped my credi score by over 100 points dropping the status to a poor credit rating. As you are aware creditors can not serve consumers at P O Box addresses for defaulting on credit commitments thus this affects my getting credit, housing, and future employment. Why are the agencies allowed to change an address to a P O Box without the consumers request?
Product: Mortgage

On XX/XX/year> I called SN serviceing corporation to see if they received my {$6800.00} wire and unprofessional employee XXXX XXXX started discriminating and violating my civil rights. By looking my last name he is always verbaly abusing me and making work more difficult. Also, most of the times he is ignoring my phone calls and emails. I'm tired of his discriminatory behavior and I asked him to transfer me to his supervisor. He refused me tree times and finally transferred to his supervisor. I left a voicemail for XXXX XXXX. I called back again and spoke with another manager XXXX XXXX. I talked to her about his discrimination. She was very kind and helpful. I need to know as of today how much do I owe investors. I need to bring my balance current. I work in the XXXX  XXXX  and I got exposed with COVID XXXX XXXX times. I wasn't able to work at that time and I got behind from my payments. Thanks XXXX I'm doing ok now and tring to pay off the balance, but they are ignoring me because I'm Armenian US citizen.
Product: Consumer Loan

I took out a loan with Cash Call back on XXXX/XXXX/14 for {$10000.00}, loan id # XXXX. The interest rates were very high and I had a few other loans out so I was working with a debt consolidation company to combine my bills and make XXXX payment at an affordable interest rate. Cash Call refused to validate the debt and would not work with my debt consolidator. I was then advised that Cash Call was being sued by my state ( CA ) and the state was requesting to revoke the companies license due to illegal loans and to not pay the debt. Cash Call sold my loan to another party ( XXXX XXXX XXXX XXXX XXXX ) who is calling my family members requesting me to call them back and trying to collect on the loan. I have requested them to send me a letter via mail verifying the debt which they have not sent yet only an email demand letter. They are demanding payment of {$10000.00}. I am concerned this company is not legitimate and with Cash Call getting into trouble for illegal loans am not sure if this debt is valid.
Product: Credit reporting

The account was deleted by XXXX And Transunion because is from XXXX And more the 7 years has passed but the creditor reinstalled them with a different balance. But it is the same account .XXXX
Product: Credit reporting or other personal consumer reports

I spoke with XXXX twice an still yet to see it taken off, She stated it would take twenty four to forty eight hours, XXXX XXXX, Which First National has as of XXXX an also one at XXXX XXXX  of the amount of XXXX XXXX XXXX dollars that I have to clue about being in good standards with my companys.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

I had a XXXX XXXX credit card during my marriage. I didn't know, until I left my husband, that he wasn't making payments on any of the debt that was in my name. I was contacted by Simms Associates that my card had gone to collections and set up a $ XXXXmonth payment plan with them in XX/XX/XXXX. My divorce was finalized in XXXX of XXXX and I settled with them and paid my agreed upon debt settlement on XX/XX/XXXX. 
On XX/XX/XXXX, I began being contacted by XXXX XXXX XXXX. They were trying to collect the same debt. I contested this and explained I'd paid it. They did an " investigation, '' only to come back saying that I'd never paid off the account. 
I've been calling and emailing Simms Associates since then and have not gotten any response. 
In addition to being hounded for payment by XXXX, this is negatively impacting my credit score. 
Thank you for your help.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Credit Corp Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Dispute of Alleged Debt and Request for Validation Dear Credit Corp Solutions, I am writing to formally dispute the alleged debt referenced in your recent communication and its subsequent reporting on my consumer credit report. I assert that your agency has violated my consumer rights under federal regulations, specifically : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information to the consumer. To date, I have not received such information from your agency.

2. Denial of Opportunity to Dispute : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given the opportunity to dispute the debt. I have not been afforded this opportunity.

3. Use of False or Misleading Representations : Your agency has engaged in deceptive practices, which is a violation of consumer rights.

4. Unauthorized Furnishing of Information to Consumer Reporting Agencies : As per 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a debt collector must provide all required disclosures before furnishing information to consumer reporting agencies. Your agency has failed to comply with these requirements.

In light of these violations, I hereby : Dispute the Validity of the Alleged Debt : I do not acknowledge any debt to your agency and request immediate cessation of all collection activities until this matter is resolved.

Revoke Consent for Communication : Effective immediately, I revoke any consent for your agency to contact me via email, text messages, or phone calls. All future communications must be conducted through written correspondence sent to my mailing address listed above. 
Request Debt Validation : Pursuant to my rights under federal law, I request that you provide the following documentation : The amount of the debt ; The name of the creditor to whom the debt is owed ; Verification or copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in Utah. 

Request the Purchase Agreement : Please provide a copy of the purchase agreement or assignment contract between your agency and the original creditor that grants you the authority to collect on this alleged debt. 
Request Proof of Licensing and Bonding : Kindly furnish evidence that your agency is licensed and bonded to operate as a debt collector in Utah. 

I expect a response within 30 days of receipt of this letter. Failure to provide the requested information will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

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

Hard inquires from these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Product: Credit card or prepaid card

I did a balance transfer to XXXX to pay off Capitol one.well they denied 1st transfer-Capitol one cause I had amount more than what I owed.so I used the card and done another balance transfer.this time Capitol one ran them both thru.so now my account is XXXX.i called at end XXXX n they said they are mailing check.few weeks went by and no check.called again at start of last week.they said check be here XXXX XXXX.well still no check XXXX XXXX.so called for 3rd time.said they had no information that they was supposed mail a check.twice they have flat out lied to me about mailing the money.so that being said they need to address the issue and now!
Product: Debt collection

I contact the American Finance Company regarding my old account I attempt to pay it off today XX/XX/2022 and they stated I owe {$560.00} but my credit report states XXXX. The collection agency stated that this's what the Finance Company sent them.
Product: Debt collection

Hello, I am XXXX XXXX, and WestLake company is a fraud company. I never signed any agreements with this company. I never applied for an auto in the amount that theyre saying I owe. I lease a car from American Car Center. I put down XXXX XXXX on a XXXX that value price was {$11000.00}. American Car Center went out of business, and West Lake is charging me XXXX dollars, for an XXXX dollar car that I put {$1700.00} down on. Its illegal for them to put that much percentage on a vehicle that I didnt sign an agreement with them on, and not only that, but I did not take out an auto loan for. They have also seized the property, and auctioned it off. Why am I being charged XXXX for property that they seized, and sold.
Product: Credit reporting or other personal consumer reports

there are inquiries on all my credit reports that were not from me, I did ask the Credit Company to remove them but they said that these things will eventually fall off in 2 years but I told them I needed them off now in order to buy a home. I talked to Experian and XXXX to try to get them to take these inquiries off my credit report. 

I called on the week of XXXX XXXX
Product: Credit card

I chatted with a rep by the name of XXXX earlier this evening, XXXX, regarding a payment plan set up prior with another rep. I agreed to pay an amount of XXXX, my last payment made on account ending in XXXX. Additional payments due include XXXX by XXXX, XXXX by XXXX. These payments have been scheduled. However, as XXXX informed me, late payment fees are not waived as part of the payment plan. I did not inquire about over limit fees, however, I believe these should also be waived. I understand the account is past due and over limit, however adding late fees and or over limit fees do not help in the matter.
Product: Debt collection

Upon checking my credit report. I found many inaccuracies. One being a phone bill collection. Contacted the company and was threatened to be arrested and talked down to about a debt that is not mine. I asked for original documents on the phone multiple documents with. Signature and received nothing
Product: Debt collection

American Adjustment Bureau showed up on my report. I was puzzled when I saw that it was from XXXX  XXXX Hospital as I have no children and have no knowledge of owing a children  hospital any money since Im not a child. I believe that this is unfair reporting under FCRA. I am still puzzled as to how someone acquired my ss # to charge me for a child medical bill.