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

In regards to complaint number XXXX their answer is that they need more time and I believe theyre saying 60 days. Section 605B of the fair credit reporting act specifically says that once an identity theft packet is received by a credit reporting agency and all of the documents are there which I have already provided a copy of in the above complaint that the credit reporting agency has four business days to remove and block the information identified by the consumer as fraud. What company does is say that I either miss filed or that I received goods. Theres no way of them knowing those facts other than getting the information from the furniture of information, and then, providing the credit reporting agencies the same data that shows someone used my name to obtain goods that fraudulently and without my permission. This is the problem that they are allowed to continue to violate federal law by claiming ignorance. The law is written very specifically, and the timelines are very specific, and the credit reporting agencies know this, but again, the people who furnished the information are the credit reporting agencies, real customers that actually pay them to use their services. Reporting agencies have no interest in protecting consumers and following consumer protection laws, and only our concerned with helping their real customers who are the credit card companies and other furniture information. Im only filing these complaints to document their responses and theyre obvious disregard for consumer protection laws that include federal and state protection laws. I plan on filing legal action in the eastern district of California for multiple violations of the fair credit reporting act, willful injury, and willful. Disregard. Ive also been financially impacted and hurt because I cant even move into an apartment currently because my scores reflect all of this fraudulent information that Ive requested to be removed that they refused to remove the laws. The furniture information only confirm the debt when I appeal it with the same exact information that they used to open the fraudulent account in the first place. There is no new information provided. However, out of 10 or 15 counts that werent mine I can give one example, XXXX XXXX, who actually possesses fingerprint evidence that was taken at the time that the account was open because the bill collector tried to tell me that they have your fingerprint on file when you open the account. I told the Bill collector that thats actually exculpatory evidence, and would completely prove my innocence because that fingerprint is not mine. The bottom line here is the credit reporting agencies choose to do whatever they want to do because theres no repercussions to what theyre doing. I would imagine that the majority of people that they steamroll and do this to dont have the means, or the know how to pursue legal action in court. There soon about to find out that Im not one of those people.
Product: Vehicle loan or lease

Original claim filed on XX/XX/XXXX with XXXX  for inflating interest charges, charging interest to principle only payments, and not applying principle amounts correctly. 
I have been in touch with XXXX XXXX ( Office of the Chairman ) ( XXXX ) XXXX I last sent her some documents on XX/XX/XXXX with questions, and have not heard back from her. I have left several messages for her to contact me, & she is ignoring my calls. 
I have been trying to get this account straightened out since the beginning, and have been getting the run-around.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX  XXXX Account name ' WELLS FARGO However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. Also 42 USC 408 Asking for any Social security number on any loan is fraud and a violation of RICO 15 USC 1666b there is no such thing as late payments and I personally can name several others as well like we are the credit and the debt. I would honestly respect if you all respect the law...
Product: Debt collection

A request for validation of debt was sent to Aldridge Pite , LLP the information received was invalid, inactive, and out of date. Collection harassment for a debt not owed continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters since XX/XX/2018 disputing the late payments that's showing in my credit report which is incorrect. I have never been late and always made my payments on time or before due date via phone call to a representative. I have sent certified return receipt letters on or about XX/XX/2018 and again on or about XX/XX/2018. 
with all letters being returned to me stamped Return to Sender Not Deliverable As Addressed, which is the address in my XXXX  Credit Report. Also, listed on their webpage and a representative verified the address. They are avoiding me at this point please delete this tradeline which is a violation of my rights and FCRA. 
Please help me.
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 consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XX/XX/XXXX. XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

XXXX : Called company to request balance and itemized list of charges from Rent Recovery Solutions. Spoke with XXXX XXXX. Ms. XXXX said that my file was on hold and that the company could not take any payment from me. 

XX/XX/XXXX : request information regarding proof of rent collection debt owed and itemized charges. Reply from XXXX XXXX with an attached document that appeared to be a rent ledger. The Client Name was XXXX XXXX. Emailed Ms. XXXX and explained the discrepancy. Ms. XXXX called me and explained that the collections company would request the correct file from the original creditor. No further communication from company nor Ms. XXXX. 

Several calls to the company. Left voicemails. No replies. Made between XX/XX/XXXX and XX/XX/XXXX. 

XX/XX/XXXX Called company and asked to speak with Ms. XXXX. I was told she no longer worked for the company. Representative checked my account number. She reviewed the file and said my file was on hold. I explained that this has been going on since XXXX. She transferred me to a voicemail. The voicemail said, You've reached XXXX XXXX ... '' I called back to ask for an email. I was told the company does not communicate via email. I explained that I had an email from the company. The representative did not respond.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, XXXX, there is no third party involved. On XX/XX/23 I sent out a dispute letter and have not received a response from Experian regarding my inaccurate accounts causing financial hindrance in my household. I haven't gotten a response yet.
Product: Consumer Loan

in XXXX XXXX my co-signer assisted me with a loan from GM Finanicial. in XXXX XXXX she was declared XXXX in the XXXX XXXX probate court and issued a guardian the guardian wants her off the loan .GM finanicial refuses to release her from the contract. she did not make any payments on this loan, I have been the sole party responsible for the payments and I will continue to make the payments. she is a ward of the state now and should be released from this contract.
Product: Mortgage

I attempted to pay my mortgage on XX/XX/18 through online processing. I have my bank account saved, and selected it. I received the email notice confirming my payment. A week later ( XX/XX/18 ) I realized the payment had not hit my bank account. I called the mortgage company to check on the status. At this time I was told that the payment didn't go through, but they would process for me using my saved banking information. I agreed, and once she completed the process I asked if the late fee could be removed since I had attempted to pay on time and the payment processing didn't work. The representative initially agreed that they could cover a portion of the fee. When I asked if they would cover the entire fee since I had never had a late payment she then agreed. I received an email the next day confirming my payment, for the second time. Another week passed and once again I noticed on XX/XX/18 that my payment had still not processed in my bank account. At this time I called the company again. The representative stated that the first time I attempted to process there was a digit missing on my bank account number ( which was saved ). She wasn't able to determine what happened the second time when the representative processed over the phone. I asked if the fee 's could once again be removed since I had now attempted to process payment twice and she stated that since " it was my fault that it didn't go through '' that they wouldn't cover the fees. I explained that the initial late fee that had already been removed could technically be considered my fault, but that was not the fee in question. The fee would be related to the second payment processed by the representative. 

At this time I have payed my mortgage, but there is now a fee left open on my account, in addition to a negative mark on my credit report for " late Payment ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX, from the MO Division of Consumer Finance responds via email to a complaint initiated with the Comptroller. She couldn't understand what the problem I had with with XXXX XXXX XXXX XXXX as issuer, and Vervent, as new servicer, was.

Again, the reports submitted to the bureaus include negative payment history that is not to be included.

The Bank 's response is accurate in fact. Describes the action to be taken on the entry by the servicer, Vervent. That action, nothing, since the information is accurate. They are not considering those Metro II rules for subscribers. 

Story : Account opened XXXX XXXX was reported lost ( record XX/XX/XXXX ). Replacement arrived XXXX XXXX. 

Rule : 1. Update Account Number, one seamless file. 
2. Open new account. Close original.

Bank Opted for # 2.

If you do that, the open date is the same. Negative information is excluded. 

Negative information removed from original account. Reinsertion rule prevents re-reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$1500.00} to Top Flight Assistance to help me with Credit repair services back i XX/XX/2021. Its been over 1 year now and this company has not delevered XXXX advertised. no one is responeding to my calls or emails. As a matter of fact it seems their customer service department perhaps the whole company is out of business. 

I fasely advertise and sell tradelines and Authorized user accounts. 

I want some sort of a refund for services not rendered and time wastered
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised and it has left an negative impact on my credit file, and with that said I'm asking for this fraudulent and unknown account to be removed and blocked from my credit file immediately. 

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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I phoned XXXX XXXX XXXX on XX/XX/XXXX to dispute the " adverse '' information they provided to my potential employer, XXXX on XX/XX/XXXX. I was told by XXXX they would only check back 10 years, XXXX went back to XXXX, they then reported to XXXX that there was adverse information from the MN XXXX 's office. When I told XXXX  that I contacted the XXXX 's office and was told that there were no open studies on me nor was I disqualifed, the person I spoke to told me that XXXX asked for any disciplinary action ever taken against me to be added to the report even though it was outside the 10 year time line and irrelevant to the job I was applying for. The disciplinary action happened when I worked as a registered nurse, I have not worked as a nurse since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and saw these inquiries that I did not authorize and wanted these items to be removed from my report. Below are the inquiries XXXX XXXX  XXXX, Inquiry Date : XXXX  ( The inquiry was not authorized ) 2. XXXX XXXX XXXX , Inquiry Date : XXXX  ( The inquiry was not authorized ) 3. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) 4. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) 5. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX XXXXXXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) TU XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized )
Product: Credit card or prepaid card

Capital One took {$3600.00} out of my bank account as a payment for one of my credit cards. I did not authorize this transaction. The payment was supposed to only be {$110.00}. I have tried 3 different times to be refunded. They admitted it was their error, contacted my bank to make sure it cleared my account, but now keeps telling me the refund department is behind in their processing. It only took 2 days for them to take the money and it's been 10 days and still no refund. Need help.
Product: Credit reporting or other personal consumer reports

I want these inquiries deleted from my credit report because I did not authorize these companies to run my credit. the inquiries are attached in document below
Product: Credit card or prepaid card

I had a line of credit with HSBC way back XX/XX/XXXX. Last XX/XX/XXXX, I went to HSBC 's XXXX XXXX XXXX ( XXXX XXXX ) to close this account. After a few months, I just realized that the account was not closed. I DID NOT receive any form of notification ( email, letter, phone call ). Not knowing about this account still open and just knew about the balance, I immediately paid HSBC. This company not closing the account and not letting me know had caused my credit rating to drop! I called HSBC last XX/XX/XXXX and also went back to the branch last XX/XX/XXXX to resolve this issue but HSBC refused to help. 
If I only knew about the balance. If only I was notified, and if only this account was closed the day I requested them to close it, then I would n't have this conundrum. When I went to the HSBC branch in XXXX XXXX XX/XX/XXXX, they realized that they have an incorrect email address. I would have paid whatever balance is owing in a heartbeat if I was notified. I 've had HSBC since XX/XX/XXXX and had two accounts with them, a revolving account and a line of credit. I never imagine myself ever having this issue and being financially affected by a company I 've had an account with for more or less TEN YEARS!
Product: Credit card or prepaid card

Unrecognized charge on my credit card. I disputed the charge but a month later it was back with a note indicating it was resolved. The note said to go to the communications center for further explanation, which I did but there was nothing there. 

Hours and hours ( literally ) of automated phone system XXXX finally gets me in touch with a person who tells me the same thing. When I ask them to go to the communications center for that further explanation, they can't find it either. So ... 

Transferred to another person who does the same thing, can't find the 'so-called ' communications except for telling me that I probably got an email with the resolution so it's now my fault ( e.g. no email ever received ). So I asked if they could resend it, which gets me transferred to another department and eventually hung-up on ... again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX  on my credit report. I have disputed many times with the credit bureau and ask for verification that this debt belongs to me, All the credit bureau sends back is payment history which I did not ask for that. I ask for what is the method of verification the credit bureau has been using. How did the credit bureau determine that this debt belongs to me without no verification. 

This charge off collection is reported completely under a different name that is attached to my credit report. My full name is XXXX XXXX XXXX. I want this charge off to be removed. The credit bureau also went ahead and close a charge off account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 27 inquires that was report plus more incorrect on my credit report. Damaging my credit report badly. I notify that violation XXXX fine which they said they sent my check but I have never received it. 
XXXX email
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 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 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 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 1

5 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 seve
n 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.