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

I XXXX XXXX have looked over all three of my credit reports and noticed I have a few Fruad accounts and inquiries on all three of my credit report reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I got a notification from XXXX XXXX that there were three derogatory marks on my credit file. All three were from XXXX XXXX XXXX, one for {$1200.00} and two for {$270.00}. The company said XXXX. I have never heard of this company. I called the number and stated I did not owe this money and requested they send me a validation of debt. I never received anything. The {$1200.00} report says I have paid -25 % ( overpaid? ) of the debt ( {$1000.00} ) and the two {$270.00} reports say I have paid 73 % of the debt ( {$1000.00} ). I submitted a dispute with XXXX and XXXX. XXXX deleted all three collections from my report. XXXX also deleted them, but all three were back onXX/XX/XXXX. I would like these marks deleted from all of my credit files as I do not own them, I never received a validation of debt, nor did I get any notification prior to them showing up on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

PAID IN FULL 20 SEPARATE STUDENTS LOANS TOTALLING {$85000.00} ON XX/XX/2023, DISPUTED ON ALL THREE CREDIT PLATFORMS EXPERIAN, XXXX AND XXXX ON XX/XX/2023, CREDIT SCORE HAS REMAINED THE SAME XXXX TO XXXX AFTER PAYING OFF {$85000.00} OF {$96000.00} TOTAL ON ALL THREE CREDIT REPORTS. PLEASE INCREASE MY CREDIT SCORE TO SHOW {$85000.00} DEBT PAID IN FULL.
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 customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX3 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a customer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no customer reporting agency may make any customer report containing any of the following items of information any other adverse item of information, other than recorded of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681 as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Payday loan, title loan, or personal loan

Last month XX/XX/XXXX. I went to InstaLoan to make a payment, and while making my payment they told me that I would have to pay for my title at motor vehicle at the end of the loan. Which is over {$100.00}. I asked them why didn't you tell me this before I sign papers for a {$700.00} loan, also the interest rate is in between 79 % to 105 %. I've been paying this loan since XX/XX/2018. I paid somewhere of {$1400.00} and now I still owe 400 +. and I went to make a payment today they changed their whole program now, instead of signing three or four different papers every month, now there doing something different on the computer, and now they're asking me for all this information they asked me when I applied for this loan. like how much money do I get from Social Security XXXX. I told them I am not going to tell you, I told you this in XX/XX/XXXX of last year when applying for this loan. and they got all upset and so did I and they threatened to call the police on me they wouldn't accept my payment. It seems to me I'm not allowed to ask any questions and that's all I did was wanted some answers! can you do anything about this I feel that they're taking advantage of poor people.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In the past, I was a victim of identity theft, and I had no trouble requesting the removal of certain information requirements from my credit score. However, I have once again sought assistance, but TRANSUNION is refusing to provide support in a straightforward and efficient manner, causing me personal harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I opened a Capital One secured credit card. In XX/XX/XXXX, i requested to close the account and use the secured portion to pay the balance of the card and close the account. In XX/XX/XXXX, i received a notification from the 3 credit bureaus that I subscribe to, that a 30 day delinquency had been placed on my credit report for this account. I contacted Capital one to discuss the issue to no avail. in the same month ( XXXX ) I immediately disputed the late which showed 30 days past due. The 30 day past due remained on the XXXX XXXX report but had been DELETED and did not appear on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX but on the XX/XX/XXXX report shows not only 30 days but 60 days late as well. This negative reporting has hurt my credit rating as well as, I've been denied credit based on this negative reporting. Again, the account had been previously removed from my credit file and re-inserted again as a delinquent account. PLEASE HELP. Also, i send a letter on XX/XX/XXXX to the credit bureaus asking them to delete the inaccurate information immediately.
Product: Checking or savings account

I been try to open the bank account, I been denied to open account due fraud and scam access my information - since well fargo bank lose the federal lawsuit and I did received money back - However it isnt my responsible for bank lawsuit because your bank are full responsible to protect customer 's bank account due from scam XXXX
Product: Credit card or prepaid card

I purchased jewelry at XXXX XXXX XXXX in XXXX XXXX, MN. with the understanding that I could pay it off in six months with no interest. Much to my surprise, I received a Wells Fargo Credit Card with the first monthly bill. I did not ask for and did not want a credit card. I have never used the card and have paid the monthly bills by check. 

I am submitting this information because I received an e-mail which I believe may have come from the CFPB asking if I have ever received a Wells Fargo credit card that I did not request or want.
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to Resurgent/LVNV Funding. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me.

Thank you for your cooperation and timely attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am a natural person and a living human being with rights protected under 15 USC 1681. I am filing a formal complaint regarding my credit report, as I believe that the consumer reporting agencies are violating my rights and the Fair Credit Reporting Act. Specifically, I demand the immediate deletion of the following accounts, which were furnished to the consumer reporting agencies without my permission : XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies have violated my rights several times, which is prohibited under 15 USC 1681.

I want to draw your attention to the following sections of the Fair Credit Reporting Act that support my complaint : 15 U.S.C 1681 section 602 A : States that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency c

an not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section : States that no consumer reporting agency may make any consumer report containing 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 ) : States that 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. 

Furthermore, I did not authorize the following companies to pull or look at my credit, and I believe these inquiries to be fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Non-specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OR, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights 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: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX  DATE OPENED XXXX Company contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

A payment was sent to my PayPal account in the amount of {$270.00} and i am unable to transfer the money into my bank account due to PayPal putting limitations on the account not allowing me to get my money or do anything with the money.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX
Product: Mortgage

On XX/XX/2022 I received two letters related to a transfer of mortgage servicing on the mortgage for my house : - Letter 1 is from my former servicer, XXXX XXXX XXXX XXXX, dated XX/XX/2022 stating that my automatic payment for XX/XX/2022 was canceled. The letter did not specify the reason, rather it mentioned a number of reasons it could be, of which " your loan has been transferred to another servicer '' was applicable to me. I received no other letters from XXXX and I am currently unable to log into the online portal to check the validity of the change or even its reason. 
- Letter 2 is from my now current servicer, Fifth Third Bank, dated XX/XX/2022 stating that the servicing of my loan had been transferred from XXXX to Fifth Third effective XX/XX/2022. The letter also states to mail a check for all payments due on or after XX/XX/2022 to Fifth Third 's mortgage servicing department. Due to the time of day, I am unable to make a payment over the phone and their records don't recognize my loan number or SSN yet, this could take up to two weeks. 

I have contacted both companies, while XXXX says their hours are until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was only able to get stuck in an automated response loop and Fifth Third call center is closed for the day. 

I don't know the requirements, but I'm sure there are consumer disclosure requirements both of these institutions must follow - mortgage servicing transfer isn't exactly a unique event, they should know better. In no way is one day sufficient as I received both letters exactly one day before they were effective, regardless how they are dated. They should be required to ensure they meet any deadlines via certified mail should they have concerns about timing. They are well aware of the transaction, they had time to disclose earlier, however they chose or failed to do so. Now I am late on a payment that is due today ( XXXX XXXX as of the writing of this complaint, with no means to send payment today ) at absolutely no fault of my own without sufficient warning to fix ahead of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have had a fraud alert on my credit report and a security freeze. I do not understand why I have inquiries from companies that I never applied iwth or gave permission to pull my credit reports The companies I have not authorized are XXXX XXXX XXXX, XXXX 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 HAVE FILED A FEW POLICE REPORTS AND A FTC REPORT VIA FTC REPORT NUMBER XXXX. I have attached police report confirmation to this complaint.THE REPORTS DETAIL EACH NEW ACT OF FRAUD ON MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent Experian, XXXX, and XXXX  a letter stating that there are inaccuracies on my credit report. Ive requested these items be removed from the creditors.I am a victim of identity theft and these accounts are associated with the case. I have not heard back from them.There are Multiple Student loan accounts on my credit report that are not mine.They are required to give me a response within 30 days and they have failed to do so.
Product: Credit reporting or other personal consumer reports

I did not request any fraud alerts to be added to my file and would like them removed immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was unable to login to my Equifax credit report on my equifax.com I was getting an error code XXXX  I was then transferred to a specialist who sent me an XXXX file via email at XXXX to send in my drivers licenses and social security card I did that and everything was good and clear I was able to revive my file I proceeded to pay for a subscription for XXXX a month for daily reporting and scores come today XX/XX/year> I went to look and it states that my files was last updated on XX/XX/year> so I call in and get a link sent to my phone for upload of id and selfie he tells me he cant find the files I submitted on the XXXXXXXX XXXX XXXX and now it wont even allow me to login to my account at all this is a shady business practice and I am paying for there subscription monthly I want access to my reports I already sent in the documents via XXXX as they requested and Im tired of getting the run around from equifax they need to fix this so I can again login and view my credit report as I am paying the subscription and already gave them my social security card and drivers licenses via the email they sent me thank you
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 . These accountshas violated my rights.Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting or other personal consumer reports

The credit reporting angencies are reporting late payments and negative items on my report not following consumer law that states they have no right to do so
Product: Credit reporting or other personal consumer reports

On XXXX and XXXX the only address that is correct is XXXX XXXX XXXX XXXX MI XXXX. On Experian the only correct address XXXX XXXX XXXX XXXX MI XXXX is missing.
Product: Mortgage

I lost my job a couple years ago, at them same time several equity were set up but not processed by the bank. 

I was told I must now have flood insurance, I have. The tax short falls and the flood made it impossible without a second job. Which I am looking for. 

I talked to escrow yesterday plus the person a-signed to me account. They cant do anything, they offer to alternatives or options. Only keep adding to my escrow. Should get a call from them in XXXX. Previous to PNC I had to escrow short falls was never told I couldnt cover insurance or taxes. 

The first month of the flood insurance increase plus the annual short fall additions was what I missed. Again a payment they scheduled but wouldnt accept added to the balance.
Product: Credit card or prepaid card

I had a credit card account with some company for ordering online ( think for clothing-XXXX? ). At that time I was employed. In 2016 I was forced to quit working due to XXXX XXXX. I waited until I was reahed age XXXX years and applied for Social Security benefits. Social Security is my only source of income. Some collection company called " Midland Credit Management '' has called me attempting to collect. The callers are foreign, English is horrible ( some guy named " XXXX XXXX ''. I swear this guy is from XXXX. He wanted me to give him my Social Security number over the phone. I believe this is illegal. I know they can not garnish Social Security income and I have no assets. State of Michigan may seek reimbursement for Medicaid provided to me upon my death. I feel I am being harnessed. Not good for my health.