23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting or other personal consumer reports

The following accounts are showing that it has been removed. There is no signs on my report that any of these fraudulent accounts were removed. I am asking that the accounts, the inquires and even the addresses that doesn't applies to me be removed. These information that are reporting on my report doesn't belong to me I provided you guys with a copy of my report that these items are fraudulent and were never authorized by me to be opened or never applied for anything with the following addresses that is reporting.
Product: Credit reporting or other personal consumer reports

Hello to whom it may concern, Im not liable for this debt with Midland Credit Management. I do not have a contract with this collection agency. They did not provide me with the original contract as I requested.
Product: Checking or savings account

I opened a checking account with a promo code. The " Truist Offers '' site displays the following information regarding my enrollment in the promotion : Promo Code : XXXX Enrollment Date : XX/XX/XXXX Account Enrolled ( last 4 ) : **** [ I am redacting the account number ] So, I was successfully enrolled in the promotion. However, today ( XX/XX/XXXX ) I received an email from Truist saying : " we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' And when I log in to my Truist Offers account, it says : " The participating checking account was closed before qualifications were met. '' But the account has not been closed. I am logged in to the account right now through Truist 's website, and the account is very much still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$150.00} XXXX XXXXXXXX {$13000.00} XXXX {$9100.00} XXXX {$4600.00}
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

We purchased our home in XXXX of XXXX my wife and I have great credit and have never been late on a payment. We have been saving to make a large down payment on the home principle to have the PMI taken off. I called XXXX XXXX on Monday XX/XX/XXXX and spoke with a representative named XXXX I asked him for an exact amount of how much we would have to send in to have the PMI taken off. He told me XXXX and some change. So as soon as I got off the phone I made a payment on their website in the amount of XXXX. I called back and talked to the same person ( XXXX ) and told him we sent over the payment and asked him to send a request over to have the PMI removed. He said he would. I called back in a few days later because I never heard back. Talked to a lady this time. ( Didn't get her name ). She said " her system ' showed we needed to pay another {$500.00}. So I asked for a manager and talked to XXXX. XXXX said the agents shouldn't be giving out dollar amounts and he would get the issue to the " executive manager '' and they would get back with me within three days. A week went by and still nothing. So I called again. I talked to a manager named XXXX. This time he said we needed to pay an extra {$560.00}. So I talked to my wife and thought, whatever, lets just pay it and we wont have to worry about it anymore. Made the payment yesterday. Now they are still saying they need to send the request over to have it evaluated. I'm at my wits end with this company. We are doing everything we are asked to do and being lied to at every turn. Can you please look into this and have them pull calls? I know this is all going to the principal of the loan anyway, so its in our favor to make the extra payments. But we are getting lied to and given the runaround just to get us off the phone. I feel that something needs to be done about their shady business practices. 
Thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  TRANSUNION ALL IN MAJOR VIOLATIONS OF THE Fair Credit Reporting Act WONT FIX AN ITEM REPORTED TO THE POLICE OR FTC
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Sam 's Club Member who applied for a Sam 's XXXX  Master Card that said XXXX and XXXX number only with No Guarantor. The system asked me for my Date of birth to verify I was not a computer and I did not give my social security number. I recieved a notice from XXXX XXXX and XXXX XXXX that I had a hard inquiry on my credit report from Synchrony Bank. I did not give them permission to pull my personal credit and the Denial letter that I have attached does not have my name on it, the name is mXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft, Every hospital bill on my reports are fraud. 

XXXX  XXXX XXXX  XXXX XXXX XXXX  And XXXX XXXX are fraud. 
I did not consent. My identity was stolen. 


Please send to all credit bureaus
Product: Money transfer, virtual currency, or money service

I filed a fraud/account takeover for numerous charges on my Paypal account . Minutes later ( without even speaking to me ) they automatically determined the charges were valid. I dispute this and they did not even conduct an investigation. I want the funds created back to me.
Product: Checking or savings account

About 6 months ago, I was charged a fee for depositing money and Chase claimed the check couldnt be found and that wasnt true. Sometime in XXXX, XXXX charged me XXXX dallors and I explained to chase it was unauthorized till this day I dont know if my money was returned to me. Today, XXXX drafted money through debit from my account when I was insufficient and Chase allowed the company to debit funds when I had none available. I disputed the incidents only to have them close my account. I'm sick of them mysteriously allowing companies to take from my account when my funds are low. I believe they are in partnership to take from people when they are insufficient.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX 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
Product: Mortgage

I was trying to see if thay can modif, my loan to make it a fixed rate with impounds. and thety sai they could not help. but they were always calling to see if I mailed my payment out and ask for my reciept numer and tracking number. and lost my home owners info. and called my threes time to get the info to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for COVID-19. These late payments were recorded for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent. 
The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXXXXXX XXXX XXXX XXXX reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted XXXXXXXX XXXX XXXX XXXX and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.
Product: Credit reporting or other personal consumer reports

LexisNexis. XXXX, XXXX and XXXX reported unverified derogatory information to my consumer/credit report ; I carefully investigated my incident, and conculded the XXXX Bankruptcy XXXX never provided any information to the companiess, nor do they ever validate and/or confirm public records ; The public records information is never validated by the Recorder of Deeds nor the XXXX Bankruptcy XXXX system due to the Fair Credit Reporting Agency Privacy Law ; The XXXX Bankruptcy XXXX confirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them.

They further stated while they are not liable or responsible for any misuse or incorrect publicrecords, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly : LexisNexis. XXXX, XXXX and XXXX failed to provide me with competent and documentary evidence toprove that the disputed information is verified. 

The law is clear : " If the CRA can not validate the information with the information furnisher, CRA must remove said information from the consumer file '', I have the right to an accurate consumer/credit report.
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 practice, which violate the customer Financial P rotection Act ( CFPA ). Specifically, cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vunerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement 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.
Product: Vehicle loan or lease

The owner including myself called Credit Acceptance for a voluntary repossession after the owner was in a car accident. Credit Acceptance was supposedly picked up the car from the tow lot after a scheduled appointment was made. They never did and the car became missing from the tow lot. An investigation was launched for several months but the car was still not found. They created so many excuses about why they couldnt find it and even documented statements on record that wasnt true about me denying a repossession because I had the car in my possession. I was even harassed into trying to give up family members contact information for payments. Ive set up several payment arrangements because they said if 3 consecutive payments were made, they would stop reporting late payments to the credit bureaus. When the third payment would approach, they would call the owner to have him set a payment arrangement to knock mine off which restarted a new payment arrangement. Ive finally set a final payment arrangement but they are still reporting late payments to the credit bureaus. When I asked about my credit report, they said that they still have to report as late because the full monthly amount wasnt being paid. Ive been working with a credit specialist and was told that they are illegally reporting to the credit bureaus and that the car is supposedly be a charge-off due to them losing the car because they never picked it up from the tow lot when they were scheduled to do so. Credit Acceptance will not settle for a set payment or charge-off the account because they still want the XXXX XXXX monthly payment every month until the car is fully paid off.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. ( account # Account number XXXX as I have previously filed a complaint with Federal Trade Commission and Consumer Financial Protection Bureau due to Identity Theft because of Data breach. 

XXXXXXXX XXXX has reported collection on my credit report # Account number XXXX OPENED ON XX/XX/year> I DO NOT HAVE ANY CONTRACT WITH XXXX XXXX XXXX XXXX DID THEY PROVIDE ME WITH any Original contract with my signature on it with their COMPANY. 

PLEASE SEE ATTACHMENTS : REPORT FILED WITH FTC
Product: Debt collection

In XXXX I received a summons from merchants credit associates with 20 days to respond to XXXXXXXX XXXX XXXX before I could respond. They reported it to all of the credit bureaus and had three of my credit cards closed on me upon contacting the hospital and contesting the debt it was discovered that I was paying these things and they should not have gone to collections our direct contact was with XXXX XXXX at XXXX. And once we got the debt resolved, we asked both the XXXX and XXXX for a letter that I could send to XXXXXXXX XXXX credit card services, and to the credit bureaus, stating that this was a mistake. I have not received contact or any communication from either party ever since this was resolved on the debt collection end. However, my credit cards are still closed and the bank associated will not help me without evidence that this adverse action on my credit was in fact a mistake. I opened a complaint already with XXXX and they refuse to reinstate my credit cards without some sort of evidence that this is incorrect and I cant get merchant credit associates or XXXX XXXX to contact me back. I am incredibly disgusted by this practice you have completely put a wrecking ball through my credit, when inflation is at an all-time high, and people are already penny-pinching, and you put me in a position where I now owe an entirely separate debt plus interest upfront with a company that I was also paying consistently. Its like you guys caused me all of this grief and intend to just let me sit with it. I urge you to remember that I have been in contact with a lawyer, and if something is not done soon, I will be taking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX, XXXX, XXXX AND AMERICAN EXPRESS ILLEGALLY PULLED MY CREDIT.
Product: Debt collection

Rise XXXX  XXXX Amount - XXXX This is not mine someone use my credit to get cash out so it must be off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR 7 years XXXX has placed an unverified and invalidated charge off account on my credit report & is in violation of Federal Law. The damage has been done to my credit report and it is time for it to come off according to the statues of limitations. PLEASE REMOVE THIS CHARGE OFF ACCOUNT from my credit report because it has caused financial and emotional duress to me and family. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of XXXX  first investigation and subsequent reinvestigation, XXXX  stated in writing that they verified that this charge off account is being reported correctly? Who verified these accounts? XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, XXXX  has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO XXXX  OR ANY OF THESE NEGATIVE ACCOUNTS! XXXX HAS NO PROOF THAT I OWE THEM MONEY AND MUST REMOVE THIS CHARGE OFF/COLLECTION FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account FROM XXXX BE REMOVED! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate late payment information on my credit report for account number XXXX with XXXX. My records show all payments were made on time, yet the furnisher reported late payments to credit bureaus. This discrepancy appears on all three major credit reports ( Equifax, XXXX, and XXXX ). Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1666b, this constitutes a billing error. I have contacted the furnisher directly to dispute the information but have not received a satisfactory resolution.
Product: Debt collection

I AM BEING SUED BY SCOTT AND ASSOCIATES FOR A LOAN THAT WAS CLEAR IN BANKRUPTY IN XXXX THEY HAVE CHANGE THE DATE TO XXXX XXXX AND SAID I GOT THE MONEY IN XXXX WHEN I FILE I DIDNT BORROW ANY MORE MONEY FROM ANYONE. I DONT KNOW IF SOMEONE ELSE DID I KNOW I DIDNT.THE ONE WHO IS DOING THIS IS XXXX XXXX XXXX AS I SAID I HAVE NOT BORROW ANY MONEY SINCE MY BANKRUPTY
Product: Debt collection

Collection agency has repeatedly contacted me and XXXX parties regarding an alleged debt after being asked to cease and desist contact. 

Agency also failed to verify the debt and prove the debt is not time-barred, including refusal to provide Date of Last Payment and/or Date of Delinquency.
Product: Student loan

I have been contacting XXXX XXXXXXXX and now Mohela XXXX XXXX in regards to my loan and application under the XXXX XXXX XXXX XXXXXXXX XXXX. I XXXX submitted my documentation by faxing it to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Shortly after Mohela XXXX XXXX took over but never provided any type of communication whatsoever. I contacted their customer service through email and calling and could not receive any type of information nor confirmation. I refaxed my XXXX application AGAIN to Mohela on XXXX XXXX and still have not received any type of communication ( even confirmation of them receiving and processing they have not informed me of ). I logged in the Mohela system and my application is just sitting there. It has been almost XXXX XXXX now going back and forth with XXXX XXXXXXXX and now Mohela to get information regarding my XXXX and to see my status with loan payments and forgiveness.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX  Account number # XXXXXXXX XXXX XXXX BANK Account number # XXXXXXXX XXXX XXXX XXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXXXXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXX Account number # 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 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 the information is inaccurate