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

I disputed inaccurate and fraudulent accounts on my credit report and no reasonable investigation or action was taken to remove those accounts Accounts To Remove : 1. XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 4. XXXX 5. XXXX  XXXX 6. XXXX XXXX XXXX Late Payments to Update : XXXX. XXXX XXXX
Product: Debt collection

Pursuant to 9-210 of the Uniform Commercial Code ( UCC ) and the Truth in Lending Act ( TILA ), I hereby state that I formally requested documentation related to the account maintained by the financial institution. However, JPMorgan Chase Bank , N.A . ( " JPMCB '' ) failed to provide the requested documentation. Instead, the correspondence I sent requesting said documentation was returned to me via overnight delivery without the requested information or acknowledgment of compliance. I hereby demand full compliance with the requirements of applicable law, including the production of the requested documentation, within the timeframe prescribed by statute.
Product: Mortgage

Loan Number : XXXX Date : XX/XX/XXXX Loan Provided by : A & XXXX MORTGAGE XXXX ( NMLS # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Property Address : XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXXXXXX XXXX XXXXXXXX Apartment is for rental purpose. 
Last year XXXX, XXXX XXXX sold to another company " Specialized Loan Servicing LLC '' XXXX XXXX changed our new : loan number XXXX without informed us by XXXX, no Cell/phone call, no notice or letter at all, We registered with XXXX XXXX XXXX XXXX our data and address is XXXX XXXX Only XXXX Tenant informed us the XXXX is being service Notice for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Loan Serving. 
Monthly mortgage payment/ {$2300.00},, Since XX/XX/XXXX there is XXXX XXXX XXXX XXXX until now XXXX, total XXXX  months plus {$25.00} XXXX total {$19000.00}. 
XXXX XXXX, XXXX XXXX XXXX phone numbers : XXXX XXXX, we've called many days ( long distance call XXXX XXXX XXXX ), could not get through! 
www.sis.net, we don't get no relpy at all. 
Since they canged our loan numbers last year without even informing us, I try offer to send the outanding XXXX XXXX {$19000.00} to resolve XXXX problem They just don't comunicate or answer us. 
We registered with XXXX XXXX, our address : XXXX XXXX. Email : XXXX XXXX XXXX, XXXX XXXX Sir, XXXX, please respond to us as soonest as posible
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is violating the Family & Education Act of 1974. The Privacy Act.

When I signed up for XXXX  loans, I signed a Privacy Act form that said the XXXX will not provide my transaction history to any 3rd party companies. They have updated my account to paid or closed as in charged off but has negatively reported 51 late payments. They have also been on my credit report longer than 7 years. They have been reporting since XXXX but makes it seem as if the account is younger by starting the reporting in XXXX and XXXX. They are reporting wrong payment information as my last payment was not in XXXX. They only reported it as such to continue to maliciously report on my credit report for 7 more years starting from XXXX. 
Also, since the account is charged off they are reporting income per IRS Publication XXXX. 
Lastly, they are violating the Opt Out Act 15 USC Code 6801-6805. These violations have caused me emotional distress with the apparent predatory reporting to hurt me.
Product: Credit reporting or other personal consumer reports

My information was disclosed to a third party without my permissible purpose and my name is copyrighted ( XXXX number XXXX )! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( XXXX ) that I, ( XXXX XXXX ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. 


***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Product: Student loan

I would like to file a complaint against Mohela, I paid off my loan months ago and I calculated the total repayment, which was in excess of what was owed. I received my letter of payment in full, however I have not received a check or reimbursement for the amount I over paid. I have called multiple times, emailed them, and have had no resolution of this issue. Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Capital One on XX/XX/2023 showing a denial for a credit card that I did not apply for. I also received a hard inquiry on my credit report. I spoke with XXXX who placed a fraud alert on my account. I am currently on the phone with Capital One to alert them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove addresses : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Remove Employers : XXXX UNKNOWN Update Address : XXXX XXXX XXXX XXXX, VA XXXX
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 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 Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, has violated my rights. 

15 U S. C 1681 section 602 A States I have the right to privacy 15 US 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 litem of information other than records of convictions of crimes which antedates the 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating tc consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

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

I received the loan on XX/XX/XXXX from the loan officer XXXX XXXX, deposited in XXXX   sometime early in the morning. I gave him my social fulp name, bank routing and account and my log bin bank info. The amount was {$990.00}. A guy with an XXXX voice named XXXX kept ordering mentor buy {$50.00} and {$100.00} gift cards, scracthed Tuesday XXXX and take pics of other and he'll then send me the money. I had a feeling it was a scam and illegal so I stopped doing the procedure 's. He then got angry and impatient. Texted me another number that was his manager, but when the manager picked up the phone, sounded like the same guy. He threatened my social benefits along with return deposit that left my bank in negative balance on XX/XX/XXXX.
Product: Vehicle loan or lease

I made a payment and I was told that I was not in repossession anymore. And they still repossessed it. And they also hooked my car up while I was in it!
Product: Credit card or prepaid card

See CFPB complaint XXXXPrint.

My complaint was " I have opted out of pre-approved offers, and you sent me a pre-approved offer anyway. '' Their response was " you can opt out of pre-approved offers by contacting the credit bureaus. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED ITEMS WITH EQUIFAX ON XX/XX/XXXX AND XX/XX/XXXX EQUIFAX REFUSE TO INVESTIGATE THESE ITEMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a letter on XX/XX/2022 to the 3 Credit Bureaus : XXXX, Equifax and XXXX. The letter was sent via USPS Certified mail and the tracking number is XXXX XXXX XXXX XXXX XXXX XXXX I asked them to remove my personal information that is inaccurate on my credit report. They have multiple old addresses on file that do not belong to me as I do not live there. 

According to the fair credit reporting act 12 USC 1681, I have the right to privacy and also according to 15 USC 6802, no financial institution is supposed to share my information with third parties. 

These are clear violations of my federally protected consumer rights. 

I have attached the letter I sent them as well as proof of identification and proof of my current address. I have also attached my identity theft report.
Product: Vehicle loan or lease

I purchased a car from CarMax XXXX in XXXX of XXXX. I have faithfully made my payments the entire time I've had my car. This is despite being without employment for 8 months during the pandemic, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at least twice due to complication relative to lifelong medical issues, among other challenges. 

In XXXX, I believe around XXXX, I was about a week or two late on my payment, but made my payment. Since that time, however, Carmax has continued to impose late fees, and count me as " missing a payment. '' They have called me nonstop from a variety of numbers owned by their company. I have called them and let them know I am not delinquent on payments and furthermore, often times pay more than what is due. 

Now, over the past few months, not only have they insisted I am " missing a payment, '' they continue to call several times a day, and have reported to the credit bureau that I am in " default '' on my loan. I am literally living hand to mouth because of XXXX XXXX challenges, and I work very hard to keep up, so I don't appreciate the late fees continuing to be imposed, much less the alleged " default '' being reported on my credit. That to me is downright despicable, especially looking at my payment history from the get-go. I will never EVER purchase a car from Carmax again. I think it's disgusting that a company would willingly set out to destroy a person over ONE late payment, and especially right now in this economic climate. That is very poor business.
Product: Debt collection

i have tried and tried to get this off my credit report and i cant get them to take it off. people have called me 20 times a day and they are rude and i finally told them to cease and dissit all forms of communication and they are still calling
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed unauthorized accounts being published on my reports by Resurgent LVNV Funding LLC in XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I have requested the following information : 1.Proof of your lawful authority to collect this debt without my consent. 
2. A copy of the original contract between myself and the original creditor, including my ink signature, that demonstrates my agreement to the assignment of the alleged debt. 
3. An original contract between myself and Resurgent LVNV Funding LLC with my wet signature. 
4. The original purchase agreement establishing my legal ownership of the alleged debt, complete with all terms and conditions included in the agreement. 
5. An affidavit signed under penalty of perjury confirming your organization 's compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
6. A verified certificate of authority and proof of your company 's licensure to collect debt in my state, including a valid license number and the registered agent or agent of service. 

Sending an account statement of the alleged debt from another creditor does not constitute an agreement between me and Resurgent LVNV Funding LLC. Anyone can create a statement and send it to anyone. That is not a contract. 

As of today, I have yet to receive a response from Resurgent LVNV Funding LLC let alone receive legal validation of the accounts being published on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I have been trying since XX/XX/22 to get in contact with the three credit bureaus XXXX XXXX and Experian in which they have never gotten back. I have several delinquencies on my credit in which the bureaus don't respond and get back to within 30 days, I have not received results of my investigation and they are saying as an excuse that it is not me trying to contact the bureaus on my credit. I have been dealing with these issues for some months now across all three credit bureaus and I need this fixed as I am trying to get a home. None of the information is verifiable as they either ignore me or throw it back on which XXXX has done on numerous occasions but shows me no proof of the information I am disputing as to how it is my debt and validated. I am reaching out to the CFPB as after dealing with this for 6 months I am done with my rights being violated, ignored and taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION Inquiries are not currently disputable online through the Dispute Center. If you believe an inquiry is the result of identity theft, the inquiry can be disputed by phone through an XXXX Specialist by  calling XXXX. 

SORT BY Recent Alphabetical Hard Inquiriesshow tooltip button XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX - XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XXXX XXXX   This inquiry is scheduled to continue on record untilXX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
Product: Checking or savings account

Bank of America has been taking XXXX dollars out of my account every month for approximately the past two years because of a low balance in my savings account. I called the company and they only gave me XXXX dollars back.
Product: Payday loan, title loan, or personal loan

A year ago I took out a loan with ACE cash express, after 72 hours I attempted to return the money totaling XXXX within 72 hours as stated by the worker on XXXX XXXX, in XXXX, TX. When I went in I was advised that I had the loan for 79 hours and could not return the funds without adding another XXXX for interest. I than called the customer service and told to make some kind of payment until I received a call from a supervisor. Of course that never happened. I made a XXXX payment. Fast forward to XX/XX/2019, I started receiving threatening voicemails. I'm going to assume because I wasnt not answering XXXX from a legal department contact number XXXX XXXX XXXX started calling my sister, my XXXX year old son and my friend, threatening them. On XX/XX/2019 I was finally able to answer the phone when a call came through and was informed that now I owed XXXX for interest and court cost, XX/XX/2019 XXXX called me and advised that I would be served at my home and that they would be calling my employer to advise them of the case filed against me. I have tried to settle a number of times but I refused to give them my bank account and/ or my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Has Fail To Remove An Fraudulently Reporting Account ( XXXX XXXX ). 
FTC Report Was Provided, XXXX Stated Report + Police Report Was Misrepresented. 
Contact Creditor To Advise Of Fraud Account And They Stated To Contact Credit Bureau. 

Equifax, Has Also Fail To Update Report For Fraudulently Reporting Account ( XXXX XXXX ) As Of XXXX But Fraud Team Stated Request Was Update For Removal Last XX/XX/2022. 

Equifax, XXXX, XXXX Has ALL Fail To Report Accuracies Of XXXX XXXX XXXX. 
Equifax, XXXX Reporting 30 Day Marking XXXX XXXX  - Payment Status Shows Payment Made Deferment/Extension Was Granted On Account Prior ; Supposedly 2 Extension That Cover Prior Month, So Payment Was Applied In Due Time. After Dispute + Documentation Was Provided. 

XXXX, Has Fail To Update Creditor ( XXXX XXXX  ) Account Reporting After Dispute XXXX XXXX, Deleted XX/XX/2022, Added XX/XX/2022. XXXX XXXX Is NOT Due To Report Past Due Yet. Possible System Auto Error.
Product: Credit reporting

I have disputed some inquiries on my credit report from companies that I have no knowledge of. I completed a dispute with Equifax and a also requested verification and proof of these inquiries but received no verification nor proof but a letter stating the records are factual. How can that be? I only took them 2 days to verify they are factual but when I contacted the same companies they have no records of me nor did they find me in their computer system. So how did Equifax verify these inquiries. I called them XXXX/XXXX/16 and was told they do n't really investigate inquiries. I am totally confused if you do n't investigate how are they factual inquiries? And to add the same inquiries were added to my XXXX XXXX and XXXX reports I did the same investigation and the same inquiries were investigated and removed. I do n't get it.
Product: Credit reporting

Transunion has been notified that there are problems with my credit report for a while and has told me that their original investgation revealed that my credit report is correct, then sent me a letter saying that they can not continue with my request to block information on my report because there is not enough " information '' and then when I request the results and evidence, they send me a letter saying they need to do an investgation first. I have been told by my lawyer that Transunion is known for not actually investigating and I am starting to believe it, according to the FCRA, I am entitled to all the inforation from all these other investigations so why can I not get those results while this " new '' investigation is being done.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Debt collection

I sold my property in XXXX, Michigan on XX/XX/XXXX. I had both heat and electricity through XXXX XXXX. I had asked XXXX XXXX to stop both services on XX/XX/XXXX and they had confirmed that they will. There had been a major billing issue prior to this cut-off. XXXX XXXX was not correctly reflecting payment and usage due to XXXX changing to a new system. I had spoken with a representative of XXXX XXXX and she had assured me it will be fixed and will no longer be a problem. 

After I closed on the house, I received a credit collection letter from " XXXX XXXX XXXX '' on behalf of XXXX XXXX. I wrote back and gave them an explanation, and disputed the {$240.00} debt ( on XX/XX/XXXX ). On XX/XX/XXXX, they wrote to me that this issue ( collection ) has been canceled. 

I thought that was the end of it, but it was not. I received yet another letter from a different agency regarding the same issue. This time the letter was from Penn Credit Corporation around XX/XX/XXXX. On XX/XX/XXXX, I wrote to them and explained what had happened and disputed the debt. I never heard back from them or XXXX XXXX. 

In late XXXX, I was checking my credit score on XXXX as I do every month or so, and I realized my excellent ( XXXX ) credit score had fallen off a cliff ( now XXXX ) as a result of a derogatory mark having been placed on my file by Penn Credit regarding the XXXX XXXX dispute. The same sharp decline had happened to my FICO score. 

I need Penn Credit to immediately remove this mark. It has cost me time, money, and considerable anxiety. I need the following : - Penn Credit to remove the derogatory mark from all 3 credit reports immediately. 
- Penn Credit to cease and desist. 
- XXXX XXXX to cease and desist. 
- I need assistance reinstating my stellar Credit Score and FICO Score. 

Respectfully, XXXX XXXX