23daVinci/CFPB_Complaints huggingface dataset:
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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT This is a violation of the FCRA & is also in violation of requisite METRO 2 & 609 LETTER Compliant reporting standards. By the provisions of the Fair Credit Reporting Act & per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I have the right to a fair & accurate credit report, & you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated a permanently removed from my report. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been under a {$0.00} IDR repayment plan on my student loans serviced by FedLoan for 3 years. FedLoan has inconsistently reported my repayment history under these payment plans, which has had a negative impact on my credit scores. 

Some months Fedloan will report my {$0.00} payment as on time, while in other months the {$0.00} payment goes unreported entirely. 

FedLoan reports all three loans as active every month, so the total number of reported active months continues to accrue. However, when the bureaus divide the number of monthly payments Fedloan reportes as on time by the total number of months reported under the loans ( which includes months where Fedloan reports no payment information ) the resulting on time payment calculation is misleadingly low.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit in XXXX XXXX discovered someone used my information to credit and get medical care. Ive sent letters request validation to XXXX XXXX & Experian. All 3 Credit Bureau ignored my request. With is a Violation of the FCRA!! I also asked for an update credit report via us mail and nothing was ever sent to me, with is another violation of the fcra!! Will attach ftc report and 605b letter dated XX/XX/21!! THE FOLLOWING ACCOUNTS ARE FRAUDULENT 1. XXXX XXXX {$1700.00} / $ XXXX {$500.00} Ive never done business with this company or entered into a signed contract! Focus financial also add this items to my Transunion file after they had been deleted without giving proper 5 days notice. This account is fraudulent and needs to be blocked!! Per fcra 605b.

2.XXXX XXXX XXXX {$350.00} Ive never done business with this company or entered into a signed contract with this company. 
All accounts are fraudulent accounts and needs to be blocked from my credit file. Per Fcra
Product: Checking or savings account

On XX/XX/XXXX, I reported theft of XXXX from my td bank checking via secure message. In the morning, my account was intact with a balance of approx XXXX. When I landed at XXXX XXXX in the afternoon, account was closed, all online banking XXXX denied access, anything and everything to do with td bank was dead, frozen with the fraud dept, who I was told was the only place to deal with the problem, was closed for the day stranding me at XXXX XXXX for well over XXXX XXXX  until I lost my ability to think clearly and XXXX XXXX when I was rescued by the XXXX XXXX XXXX  and spent XXXX XXXX weeks in XXXX XXXX XXXX XXXX XXXX XXXX MA. It seems that td bank had charged off an unpaid overdraft amount from XXXX XXXX XXXX for XXXX some odd dollars and tether than take the funds when my balance was over XXXX XXXX as in XX/XX/XXXX, they cleaned me out of XXXX XXXX XXXX leaving me with a XXXX balance, XXXX disappeared and closed checking accounts, and XXXX new checking account none of which I could access or see online. I have XXXX deposited into td bank from my XXXX account every XXXX of the month and have been doing business with td for close to XXXX  years. I have paid over XXXX in fees to them over the years from my limited income. They give me no credit for repayment of the overdraft or the fees and won't even allow me a XXXX td fit loan even though I've proven my willingness to repay year aftter year. I fear that they'll take additional funds when my XXXX XXXX deposit comes but right now I don't even know if it'll be accepted as that account was closed before I could change the ssa info. I was threatened with police and trespassing for pointing out clear lies to a manager et one of their physical branches and I am over my wits end with them and this entire situation. They have no care or concern for the problems that they've caused me or why they chose to take the funds when it would XXXX  my account. They won't answer my questions or respond to my inquiries. I am asking that you please step in, remind td that I'm a permanently XXXX, XXXX  man who's paid them close to XXXX in undeserved fees and to treat me as a respectable, deserving customer avoiding their policies and procedures and using common sense and common decency to take care of the issues between them and me to stop this madness once and for all. They should be giving me XXXX XXXX not taking XXXX bucks and emptying my account. I appreciate any and all efforts that you may put into this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/2020 Balance : {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$6000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

3.XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Product: Credit card

On XX/XX/XXXX, I went to conns XXXX XXXX in XXXX in XXXX Colorado To purchase a TV. A sales associate by the name of XXXX was helping me With the process of purchasing my new TV I applied for a credit. I chose the TV that I wanted and we finalized the purchase and contract. Upon picking up the TV, I noticed that it was the wrong tv. I immediately called and told them what was going on. They mentioned I can either keep the TV or bring it back and get a return or an exchange as long as its within 14 days. Today XX/XX/XXXX I called again to get more information on whether I can exchange it and pay the difference for the to that I actually wanted Or discuss other options returning the TV. I spoke to XXXX XXXX the store XXXX, and he advised me that they wouldnt be able to approve the return because the third-party warehouse where I picked up the TV from is no longer in business with cons And not accepting any returns or exchanges. Meaning that they are not able to honor their return policy. The sales rep made a mistake by giving me the wrong TV and I am unable to bring it back to the store for a return or exchange. It hasnt Been one week yet since Ive had it. Please help
Product: Mortgage

I have been contacted several times by a particular agent with Freedom Mortgage, XXXX XXXX XXXX. ( ID # XXXX ). This particular person contacted me asking if saving {$20.00} or {$75.00} on my mortgage payment monthly sounded like a good savings. I replied and told him neither as I would not be interested unless I could save about {$200.00}. He then proceeded to ask what I would like my payment to be at. I responded and said below {$100000.00}. he came back and said what if I could do {$1000.00}, I said no. Then he said about $ XXXXI said no. then he said {$990.00}? I again said no thank you. He proceeded to tell me about the loan process and refinancing option that I had. I kindly told him that I was looking around at other mortgage companies because Freedom Mortgage screwed me over about a year or so. I told him what happened and he said that he can assure it would not happen to me this time around. I told him I was weary based on the information he was providing me around the escrow analysis process. ( This is how I got XXXX  last time ) He offered to send me the documents to review the numbers and terms of the loan, I said great. Mind you throughout our conversation he kept saying " I don't think you understand what I am saying, let me re-explain '' he said this about three or four times throughout our conversation. He was not listening to my questions nor what I was saying because he had tunnel vision of a possible close on a refi. I had to tell him three times to get off the phone to send me the documentation and I would be in touch. He kept going! What part of I am not interested at this time don't you understand. I finally hung up. I got an email that says, please review and sign your loan documents. WHAT?! I didn't agree to anything first of all. I can not view the documents unless I start signing them. Then I got a follow up email that says " URGENT- reminder to e-sign your loan documents '' I AGAIN can not view anything without signing documents. I am so disgusted with this company at this point and how aggressive this person was then lied to get the loan documents in my email and con me into signing something I said multiple times that I didn't want to do. I can not wait till rates come back down, because I am done with them. I will not be treated this way nor be conned into something I said I didn't want to do. I want to ensure there is no loan documents in process. I do not want to refinance and I would prefer they stop cold-calling me and lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company XX/XX/2021 and paid balance company stated the item will be removed from my credit report within 2 weeks. I also disputed with Trans Union and XXXX and the item has not been removed.
Product: Debt collection

I have started receiving all these attorney letters stating a company named DNF associates filed a lawsuit against me for an unknown debt of XXXX no name or what the debt is ... I havent received documentation nothing about this debt I dont even know what this alleged debt is for??? They have not attempted to contact me or anything Im disputing this ... .I can not have a judgement on my credit report for a debt I dont owe or know ... COURT!?? Are you serious garnishment who are these people court case is XXXX ... .I dont want a judgement for some allegedly as little as XXXX ... .i work hard to maintain the decent FICO score I do have ... AGAIN I am disputing this debt
Product: Mortgage

I am buying a new construction home with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL ) - Per the contract we have to use their lender, Eagle Home Mortgage ( EHM ), in order to receive closing costs credit ( {$22000.00} ). 

EHM is up charging the interest rate by over 1 % which ultimately causes the buyer to finance their own closing costs by paying them back to the lender who is also the builder. This has not just happened to me! We have at least 2 other verified cases of this with other people with stellar credit being changed 1 % to 1.5 % higher than market rate. 

It is common practice for a buyer to take a higher interest rate to get a lender credit towards closing costs that they may be unable to cover BUT the contract clearly states that XXXX is covering {$22000.00} towards closing costs so WHY would a buyer need such a high interest rate if there is no lender credit? 

If I am one of 3 in one NEW community that this has happened to how many people has this happened to that aren't even aware! 

Copies of supporting documents to this claim have already been sent to various local and national news outlets.
Product: Credit reporting or other personal consumer reports

I have repeatedly submitted a request to correct the inaccurate address listed in my XXXX report, providing supporting documentation, including a copy of my driver 's license showing my current address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX 's response, citing security protocols, requires and i need to contact their dispute specialists using Report # XXXX instead of processing my dispute online or advise me there are unable to remove address or explain why. All other addresses, specifically XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX must be removed from my credit report as I no longer reside at those locations, and they are not relevant. I'm am also part of a data breach with XXXX as well. 

Your assistance in resolving this matter is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

2009 Bk is now 10 years old. XXXX and Experian refuse to remove Bk from my report. Additionally they both state they have checked with Bk Court. Bk court does not report to the credit bureaus. 
It has been 10 years, my credit has greatly improved and I now own a home mortgage free. I am being held hostage by the bureaus system and want the negative removed from XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched 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/block any items 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
Product: Vehicle loan or lease

I send the company a cashiers check to pay off my car. 
But they keep on harassing me and calling me up to 20 times in one week.
Product: Debt collection

Received a default judgement served to my then XXXX year old daughter. The company is Palisades Collection LLC. Its dated XXXX. No one signed for it. Weve had bank account garnished as well as wages. After receiving payment, this company filed for funds four more times with all different amounts. Each have file stamped XXXX and the judgement dates are Filed XX/XX/XXXX Garnish issued XXXX Amount {$1900.00} File XX/XX/XXXX Garn XX/XX/XXXX Paid {$3600.00} File XX/XX/XXXX Garn XX/XX/XXXX Paid XXXX File XX/XX/XXXX Paid {$2000.00} File XX/XX/XXXX Paid {$470.00} XXXX/XXXX/XXXX We are not able to find out who is behind each one of these suits. This is totally frustrating!!! The last action in XX/XX/XXXX, they froze and garnished our entire bank account and as a result, our home is in foreclosure. 
XXXX
Product: Credit reporting or other personal consumer reports

Eqifax is reporting an incorrect bankruptcy on my credit report. Upon disputing several times they sent a letter stating they verified the information with XXXX. I have reached out to XXXX and they stated there is no Bankruptcy on my report with them. They have also sent me a letter stating the is no Bankruptcy. Eqifax stated they reached out to XXXX and when I contacted XXXX they stated Eqifax never reached out to them to verify the info. Each time I dispute with Eqifax they state they verified with XXXX. Every time I contact XXXX they state Eqifax has never reached out to them and they are giving me false information on the letters they sent me. I need Eqifax to remove this Bankruptcy please
Product: Credit card

Appllied for Toysrus master card in the month of XXXX and I did not receive my card till XXXX XXXX. 
Called this company several times for the status and every time they say they are expediting the process, but issues not resolved.Customer service used to say previous request was not processed and they will complete a new request this time and it kept on happened for 5 times in the month of XXXX and XXXX. 
No response on why they are not able to process the card. 
They did my credit check and approved the card We already spent more than XXXX in toysrus using my other cards and lost my 10 % discount for card holder which is approximately XXXX $ It 's really a worst customer service I have ever had
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX 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
Product: Checking or savings account

Wells Fargo refused me to deposit my retirement and pension checks, they knew i was overdrawn and i went in person with proper documents and id and refused my check. They said they didnt have anyone there to verify and said they want cash i didnt have cash but had a legit cashiers check i cashed out if my company i work for retirement early in order to bring my account back. Wells Fargo said no and then is now holding my direct deposit as retaliation. I normally get my deposit every other XXXX XXXX XXXX and now i called and they said its on hold until further notice. Ive banked with them for years and this is not a new deposit. I have documented their retaliation and now being discriminated by them not allowing me to deposit money to bring my account back to positive. They then applied {$240.00} in overdraft fees by allowing old transactions to go through and refuse to give me my direct deposit now too
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 5th time disputing the same acct XXXX XXXX XXXX XXXX Acct ending in XXXX with equifax i told equifax this acct is closed, but equifax says they show this acct as " open '' stating that the acct is open and they have verfied as accurate. I have also filed 2 complaints with C.F.P.B ( XXXX ), for this same acct and Equifax keeps telling me that they investigated and found that the reporting of the acct as being open is accurate.I find this somewhat strange considering i have called the reporting creditor myself " XXXX XXXX XXXX XXXX '' and i was told they are reporting the acct as closed to all 3 credit bureau 's, which i do believe since XXXX  reports it as closed and XXXX  report it as closed as well.So i suspect Equifax has been doings sham investigations, since that could only be the reason because i have disputed this acct 5 times and they come back everytime saying they verified the information as correct, which is impossible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ATTACHED MY PERSONAL IDENTIFICATION WHICH IS MY BIRTH CERTIFICATE AND PROOF OF ADDRESS TO THIS COMPLAINT The following accounts are being reported onto my consumer report illegally and without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *Please see attached documentation