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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists My info was used fraudulently to get a apartment in XXXX after doing some digging I see someone fraudulently opened an apartment and didnt pay and broke lease causing that {$5200.00} which I guess was sent to third party creditors and the others are internet and utility bills
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

self lender/ XXXX XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.
Product: Debt collection

I have been receiving calls regarding an alleged debt. They have contacted my father-in-law in regards to the debt as well as my mother, numerous times. XXXX third parties verified they had the correct phone number for me and advised them to call me directly. I returned their call and asked for documentation to be sent to me by certified mail. They wanted me to pay the balance by debit card immediately. I explained that I did not feel comfortable with that, until I saw documentation. To include the original alleged creditor, amount, etc. I was transferred to another dept. and they left me on hold for several minutes. I attempted to call back and no one answered. I received another call from them on Thursday XXXX and asked again for documentation. They transferred me to a man named XXXX and he said he had already sent mail. I explained that I had not received mail from them and he said " Why do you want a letter, are you going to dispute this? '' I responded possibly, but I do n't know until I can verify through documentation. He hung up on me. Today, XXXX/XXXX/16 I received a call from the same company at approximately XXXX I again asked for documentation and the girl who I spoke with transferred me to a gentlemen. He stated his name, but I could not understand what he said. He refused to spell his name, or repeat his name. He stated he did not have to tell me his name, I owed him {$800.00} and he was not sending me documentation. I asked several times for his name and he refused. He stated I would know his name when they " put me jail '' for not paying my debts. He also called me a liar and said the only documentation that I needed was my credit report, because it shows I do n't like to pay bills. He then stated " pay your bill '' and hung up. I attempted to call him back several times. and each time he would answer and say " just pay your bill '' and hang up. I called again at approximately XXXX and this time he took the call, but with out speaking. I asked to speak to his supervisor, asked for his name, asked to receive documentaion, so that if this was a matter that need to be resolved I could proceed. He refused to speak. He sat in silence for XXXX minutes and XXXX seconds.
Product: Credit reporting or other personal consumer reports

I was approved for a refi from 7 % to 4.80 % on AutoPay who was promoting on XXXX XXXX. They ran my credit I was approved then cancelled my application after running a hard inquiry. 
They stole my information. Plan and simple. 
Need this hard inquiry removed immediately.
Product: Vehicle loan or lease

I filed arbitration with XXXX XXXX XXXX against Santander Consumer USA on XX/XX/2023 due to securities fraud and violation of consumer laws. I mailed correspondence in writing as instructed by the XXXX XXXX XXXX on XX/XX/2023 and Santander still repossessed the security today. I gave them my case number as well as tracking number for the mailed correspondence and there was still adverse action taken, which is another violation of 12 CFR 1026.13 ( d ) ( 1 ) and the Fair Credit Billing Act
Product: Checking or savings account

The company  XXXX  is n't getting the information they were requesting on my account even though i have given them access.
Product: Credit reporting or other personal consumer reports

Equifax is willfully reporting inaccurate information that violates HJR-192 Public Law 73-10. Despite being provided with substantial evidence and clear information to rectify these inaccuracies on the credit report, Equifax has negligently and deliberately failed to make the necessary adjustments. This blatant noncompliance and refusal to adhere to the law and congressional mandates are causing significant harm. Under the Fair Credit Reporting Act ( FCRA ), Equifax has a legal obligation to ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Their failure to correct known inaccuracies constitutes a willful violation of the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Moreover, Equifax 's continued reporting of inaccurate information, despite being informed of the errors, can be seen as a reckless disregard for their duties under the FCRA, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). Equifax 's actions not only violate federal law but also undermine the protections intended by HJR-192 Public Law 73-10, which prohibits the reporting of late or missed payments as this is not possible. The failure to comply with this law, despite being provided with the necessary documentation, further evidences their intentional misconduct. I demand the immediate removal of all disputed information and the correction of the reported status. Failure to comply will result in legal action to enforce compliance and seek damages for the harm caused by Equifax 's reckless and unlawful behavior.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear XXXX XXXX XXXX I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent XXXX XXXX XXXX XXXX **Accounts in Question : ** XXXX XXXX # XXXX {$0.00} Personal Information : -Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX -Social XXXX Number : XXXX -Date of Birth : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. I've attached a list of hard inquires in question. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three letters to each credit bureau disputing a new collection on my credit report. I have even included a previous settlement letter and they still continue to report the collection from XX/XX/2020, IC systems. 
This account was settled by the first collection agency who settled the account for less than full balance, credence resource management. 
The original creditor was XXXX XXXX XXXX. 
IC system is the second collections agency. I have tried calling XXXX, XXXX, and IC systems ... their lack of communication has kept this inaccurate information on my credit report. 
I have just disputed a third time on this account through the credit bureau. I have also sent the proper documents of settlement to IC systems showing the account number for XXXX XXXX XXXX  as settled. They clearly can not read account numbers! The bureaus have done the same, they have deliberately overlooked the paper I have sent in with each dispute. 
I also am working with the Michigan attorney general in this matter! 
Is it illegal to collect on a debt twice, once the first collection agency settled on a specified amount? How did IC systems get this info to try to charge me the difference?
Product: Credit reporting or other personal consumer reports

I was a co-signer XXXX XXXX accounts the primary borrower had the loans discharged but theyre still showing up on my credit report as late and with 120 late days delinquencies. I have XXXX XXXX XXXX  as well. I disclosed the primary borrower information as well and my own information too
Product: Debt collection

I received by mail a letter fro m transworld system wi th amount of  XXXX  $ to be pay to  XXXX    XXXX    XXXX  but what I have on hand from the court judgments minutes of order that I have to pay  XXXX  $ and the landlord have on hand  XXXX  $ security deposit so I have to pay only  XXXX  $ Amount I attached the judgment order and the landlord statement
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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


Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX  Name of Account : XXXX XXXX  Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX XXXX XXXX XXXX Name of Account : XXXXXXXX XXXX XXXX Name of Account : XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX  XXXX Name of Account : XXXX XXXX XXXX  Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX XXXX XXXX of Account : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> {$2300.00} I recently pulled my credit report and noticed this collection account negatively reporting on my credit report. I went online and did some research. The credit report agencies are violating my rights. Under 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ) I failed a complaint with a Better Business Bureau. I sent off numerous certified letters and still no response or action taken.
Product: Mortgage

I applied for a loan modification on my mortgage  XXXX / XXXX / XXXX  due to loss of income from my son turning  XXXX . SS was due to income because my husband passed away  XXXX . I was told by SS when my older son graduated the difference would go to other son. However that was not the case. I was approved for  Modification   XXXX   XXXX ,  XXXX  in which my payments became affordable. I signed all docs and returned them. I have been making the payments that have been agreed upon.  XXXX   XXXX  I received call from Mortgage company advising they where to send new docs. New docs where sent out and received them  XXXX   XXXX  via  XXXX . Upon reviewing MOD was changed and payments increased. I was told never told why I was getting new ones. I took info to agency that helped me get MOD. I gave them authorization to request info. She was told mistake was done in  1st  MOD since property is MH. I was finally told by Mtg that yes it was a mistake also. My payments have been made and have been accepted by Ditech.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries on my credit report with Trans Union XXXX XXXX and XXXX XXXX  XXXX I did not authorize
Product: Credit card or prepaid card

I have had a XXXX store card for twenty years. Their products have fallen in style and quality in the last 5-10 years so I have not had much use for it in recent years. When I was using it regularly, they did not seem to be engaging in fraudulent activity. However, I used it recently and paid my balance in full a day before the due date ( which they scheduled on a Saturday ). My bank shows the payment made on that Friday. They charged me interest and late fee on the paid in full balance. I called to inquire as to why they would do that on an early payment and they informed me that unless I make the payment on their site, rather than my banks billpay, they do not credit for 48 hours if made on Friday. My understanding was that if they choose to make their payment due on a weekend, they must accept the payment on the weekend. That is really beside the point though, because the payment was made, electronically, on Friday. They credited the late fee and interest after my angry call, but as they seemed to assert that this is their standard practice, I thought they should be reprimanded, especially during a pandemic. I know the company is likely struggling, but this is not the way to make money. Images attached show date of payment vs date of credit, 3 days later.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Dear Recipient, I am writing to inform you that there is an error on my credit report regarding late payments that were incorrectly reported by Navy Federal. I am not sure about this account was for car loan or credit card either I believe no late payments was made. The FCRA law allows any collection after two years be removed from my credit report. I respectful request that this be removed.

I have made several attempts to have Navy Federal. correct this error with no success. I submitted requests for adjustment in XX/XX/2021. 

I am seeking your assistance in rectifying this error on my credit report. Please advise me on the appropriate steps to take to have this issue resolved as soon as possible. 


Thank you for your prompt attention to this matter. 


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

Hello, My name is XXXX XXXX XXXX. I am a Consumer who currently resides at XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX in XXXX XXXX XXXX did not give XXXX  of XXXX XXXX purpose , nor did a court of competent jurisdiction issue an order for XXXX XXXX XXXX to furnish an inquiry to Transunion , LLC. XXXX XXXX XXXX and Transunion, LLC. have both been placed on a Cease and Desist regarding this inquiry. XXXX XXXX XXXX and Transunion, LLC. are both violating the Graham-Leach-Bliley Act ( 15 U.S.C 6801, 15 U.S.C 6802, and 15 U.S.C 6803. Also, XXXX XXXX XXXX and Transunion, LLC. are committing Aggravated Identity Theft by transferring my nonpublic personal information without the lawful written consent of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer, did not receive any benefit from this transaction.
Product: Credit reporting or other personal consumer reports

XXXX HARD INQUIRY ON transunion idid n't Recognize I think not mine on XX/XX/year>
Product: Debt collection

A company called I.C. Systems is on my credit report for the amount of {$2000.00}. The date of this account was opened XX/XX/2020. I have disputed this account on all 3 credit bureaus. XX/XX/XXXX & XX/XX/XXXX removed this fraudulent activity!! This is fraud! The information they have on me is stolen. I have no knowledge of this account and believe my ssn was stolen.
Product: Checking or savings account

An unauthorized ACH debit transaction of XXXX was made from my savings account at chase bank on XX/XX/2019 and an ACH debit transaction of XXXX was attempted on XX/XX/2019 but failed due to insufficient funds. This is because my entire savings account had been wiped out. I had possession of my bank card at all times. 

I am currently outside the United States and did not notice this fraudulent charge on my saving account until XX/XX/2019. I also never received an email or warning on someone making such a large unauthorized transaction. I immediately called chase bank to report the fraudulent charge but I was told that they were unable to do anything and would need to " mail '' me a form that would need to be filed with their claims department before any type of investigation could be made. I tried to explain that I was out of the country and would required the form to be emailed instead but I was told that-that was not possible. I have since called chase bank on a daily basis and are still waiting to receive the form via mail.
Product: Credit reporting or other personal consumer reports

My ill health problems has caused me to not be able to continue to work and take care of my obligations. I am XXXX XXXX XXXX and can not properly take care of debt the way I use to be able to handle payments. I never missed a payment and was always made timely payments never missing a payment. Please help me with this situation.
Product: Credit reporting

On XXXX XXXX, XXXX, my wife and I received written acknowledgement that our IRS XXXX XXXX XXXX had been officially withdrawn. IRS Forms XXXX and XXXX " Withdrawal of Filed Notice of Federal Tax Lien after Release '' was sent to the XXXX County, XXXX Recorders Office and subsequently recorded which was verified by written notice from the XXXX County Recorder on XXXX XXXX, XXXX. My wife and I have made five ( 5 ) attempts to have the tax lien removed from our reports including two on-line disputes ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) with TransUnion which were both denied. Then a phone call on XXXX/XXXX/XXXX to inquire about the dispute directed us to send a fax with all of the aforementioned paperwork which was sent the same day with a confirmation of fax receipt to their Consumer Contact Department ( Fax # XXXX ) which they subsequently claimed was not received. We contacted TransUnion again on XXXX XXXX, XXXX and were informed that the lien would remain so we mailed in copies of all of the aforementioned documents the same day to TransUnion at XXXX XXXX XXXX, XXXX, XXXX XXXX in order to make an additional dispute request and have the item removed from both of our credit files. 

We have made similar request of XXXX who has refused to update our credit files and they remain as a negative there as well. We are currently in the process of applying for a home loan and are being told that our credit scores will result in a much higher interest rate as a result of the tax lien which should have been removed. We have no other negatives in either of our credit files for the past 10 years. 

XXXX is the only credit reporting agency which timely removed the withdrawn tax lien from both of our records. To date the disputed item remains on our report with TransUnion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  said I owe them {$520.00} i disputed this problem about a year ago and I won, then the company sends it to collection again the same thing hows it possible for me to have won my case have my credit restored then all the sudden they send it to collections again then I dispute it again and nothing happens i dont owe this money I won the first time why am I dealing with this again
Product: Prepaid card

AmericanExpress Gift card numbers have been stolen, it is commonly known within their call centers but they are n't willing to help consumers reclaim the funds, or file for fraud - I have been on phone with their call centers in XXXX for hours now and still ca n't get put through their fraud center. AmEx knows this is going on - but are n't helping customers or alerting vendors that their card numbers have been stolen.
Product: Checking or savings account

On XX/XX/XXXX I received a call from a regions branch at ( XXXX ) XXXX. The representative told me someone was trying to impersonate me and cash a {$1500.00} check. I told them to not cash it as it was fraud. I was told to contact my local branch which I immediately did. I was told by the local branch there was no way to flag my account or do anything to prevent it from happening again and she would call back on the XXXX when she had information. 
Evening of XX/XX/XXXX there was a pending transaction labeled return of deposit of XXXX for {$1500.00}. I called Regions fraud unit on XX/XX/XXXX at XXXX and was told there was no deposit for XXXX so nothing should have been returned or cashed but it was. She told me there was nothing she could do. 

As a consumer, I feel like Im being blown off and that my financial institution didnt have the proper measures in place to prevent this when it came to their attention.