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

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : Experian 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I went to the car dealership and ask that XXXX be the only inquiry when i went back there was multiple inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have tried to remove a debt that wasnt signed for with Jefferson capital systems in the amount of {$660.00}. I have asked for my wet signature and they only return with verified debt
Product: Credit reporting, credit repair services, or other personal consumer reports

They ignore my requests for accurate reporting of my credit history. 
They ignore my requests and refuse to allow escalation. 
They continue to issue fraudulent credit reports. 
I have made all of my payments on time and they continue to report me as late. 
Rocket Mortgage refuses to correct their fraudulent credit reports. 
Rocket Mortgage needs to e fined for this unscrupulous behavior.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS # XXXX XXXX XXXX Notice for Proof of Claim Account XXXX  XXXX XXXX {$770.00} XXXX  XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, XXXX XXXX XXXX Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit card or prepaid card

On XX/XX/XXXX wife passed, on or about XX/XX/XXXX went to social security office to make aware of death, called Express Direct to make aware of death of spouse, XX/XX/XXXX received letter from Direct Express gave tracking #, required documents to release funds ( {$8900.00} ) and the processing time frame of 4 - 6 weeks, was made aware of {$50.00} processing fee in the letter also, mailed death certificate & nortized small estate affidavit statement as per letter request XX/XX/XXXX, it was received on XX/XX/XXXX as per certified mail receipt. Phoned company over 30 times between XX/XX/XXXX and XX/XX/XXXX still no response they are refusing to send the {$8900.00} its been well over the processing time.
Product: Student loan

I work for the XXXX XXXX, and have been pursuing public service loan forgiveness. In XX/XX/XXXX I recertified my employment, and was told I had made forty-six qualifying payments as of that month ; I believe this one is correct. In XX/XX/XXXX I recertified again, and was told I had made forty-five qualifying payments, somehow even fewer than the year before. 

I appealed this in XX/XX/XXXX, and I have received no official communication about it from the servicer. When I call they tell me that it is still being reviewed. At this point it has been eighteen months, and after my most recent call I was told that my situation is not a priority. I have bank statements showing that I did make these payments because I am enrolled in autopay. If I have to make those payments again it could cost me {$10000.00}, so it is a priority to me. 

As someone who works in XXXX XXXX, perhaps most concerning is that there is no official process used when a review is requested. Its all very vague and undefined, and feels like a violation of my due process rights under the Constitution.
Product: Debt collection

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX pl remove I have disputed by mail with all three credit bureaus. act # XXXX
Product: Credit reporting or other personal consumer reports

I have not open no account with this company and they have not give no money or no product but they keep calling me and now on my credit report I have not done bussiness with them at all and my name is XXXX XXXX they have the wrong name on this as well this is the name of the company XXXX XXXX Account owner Individual Account Date reported XX/XX/year> Account status Unpaid Creditor Classification Financial Original amount owed {$2400.00} Original creditor XXXX XXXX  XXXX XXXX Date assigned XX/XX/year> Agency XXXX XXXX Status date XX/XX/year> Delinquency Date of last payment Balance owed {$2700.00} Comments Consumer Disputes This Account Information Consumer Disputes Reinvestigation In Progress Balance date XX/XX/year>
Product: Credit card

I had a new air conditioner installed. I applied for credit and was approved. My contract was assigned to XXXX XXXXSynchrony Bank . My payments began XX/XX/XXXX for {$130.00}. I am a XXXX XXXX XXXX Veteran and I get my XXXX payment every XXXX of the month. On XX/XX/XXXX I made my payment. My second payment was due on XX/XX/XXXX. I made my payment once again the day of my XXXX payment on XX/XX/XXXX. Then beginning in late XXXX I began receiving dunning notices from Synchrony Bank. I immediately began to contact bank customer service, overseas customer service, beginning in late XXXX and has continued till today. They claim since I was day late, the XXXX instead of the XXXX, I garnered a {$40.00} late charge for each month, XXXX & XX/XX/XXXX. I made the XXXX payment on XXXX. However even though I made the XXXX payment on the XXXX, Synchrony says it's a short payment as some of the payment was applied to the previous late charges and those late charges then incurred additional interest!! Interest on interest?? Today I once again tried to resolve, I contacted Synchrony 's overseas Customer Service. They once again refused to reverse the late charges and when I requested a written breakdown they refused. How can I confirm if who is right if they refuse to provide proof of debt. I don't want to have my credit profile damaged by this terrible banking company. At age XXXX I am ready to buy my first home but any kind of derogatory hit will sink my opportunity. Please assist me
Product: Debt collection

Repeated calls to my cell phone about a 10+ year old debt, at least three calls per day. I told them I dont want them to call my cell but they refuse to listen.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit profile and it had wrong addresses, spelling of my name, phone numbers incorrect
Product: Credit card or prepaid card

There is a overdraft protection credit account attached to my wife 's checking account. In mid 2016 the account was at a balance of around {$700.00}. As of today the account is at {$2200.00}. I paid the account off and closed it in-order to stop what Citizens Bank was doing with this account. 
From what I can gather this account was accruing interest and my guess is that rather then send a statement for this account Citizens Bank just keeps hitting the checking accounts balance which if at 0 then this will continually keep bouncing and the credit balance increases. 
I have 2 credit cards from Citizens Bank and always receive a credit card statement monthly, even if its at a zero balance. I don't think it is fair for Citizens Bank to allow this account to just keep going up without a delinquency letter or any type of separate notification. 
I want potential customers to know about how this works and beware of the dangers of this type of account that does notify you of delinquencies.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX 2023 I filed an identity theft report with the FTC and the three major credit bureaus in reference to Account : XXXX XXXX XXXX XXXX [ COLLECTIONS ] : XXXX XXXX XXXX  XXXX XXXX XXXX for {$1300.00}. I sent a letter to each bureau describing the identity theft and including the FTC report ( and have also done so AGAIN this week in XXXX XXXX 2023  ) ..At that point ( XX/XX/2023 ) the fraudulent account was from XXXX XXXX XXXX XXXX now that same organization has KNOWINGLY submitted a collections account on an account that has been identified as fraudulent AND the credit bureaus have placed the collection on my credit file causing my credit score to drop again causing detriment to my financial wellbeing ( which is in direct violation of the fair credit reporting act! ). If the original account from XXXX was deleted and marked as fraudulent the fact that three bureaus KNOWINGLY placed a collection on my credit file for the SAME fraudulent account is breaking consumer laws. All three agencies continue to remove items then add back the fraudulent collection items for the same accounts which are completely INACCURATE debts which then drops my score significantly each time they have done this ( now three times ) AND which has an extreme adverse reaction and is detrimental to my financial wellbeing. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX. All three bureaus ( EQUIFAX, XXXX and XXXX ) stated everything was complete and removed the original creditor. But now they have allowed a collection account from that same fraudulent loan appear on my credit file.. the open date, date of last activity and much more is incorrect and completely untrue and fraudulent. And each time they add and remove this account it affects my score DRASTICALLY ( now two times ) which is causing serious hardship and affecting my livelihood AND financial wellbeing. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly 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 an 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 items 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. DELETE ALL ACCOUNTS LISTED ABOVE from each of the credit reporting agencies ( EQUIFAX, XXXX and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and asked the bureaus to check and make sure everything was complete and accurate according to 15 USC 168i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX and Equifax. 

The date open is not correct, date active not correct, date of delinquent is different in both. 

Which is a violation. This is impacting me from buying a vehicle to get around. I need to commute to and from work. I also let XXXX know the company attempting to collect the debt is not license to collect debts in the state of CA. 

I attach my previous credit report and my new credit report to show how XXXX and Equifax violated my rights.
Product: Debt collection

On XX/XX/XXXX I received a letter from Linebarger Gggan Blair & Sampson LLC Attorneys at law indicating per letter I owe the state of PA XXXX Since XX/XX/XXXX. 

I attempted to contact these people but no one answers the phone. The phone number on letter XXXX ext XXXX. 

I do not know what this is all about? And I want proof from the state of PA that I owe this.
Product: Mortgage

I recently submitted a new complaint, # XXXX, which XXXX XXXX, the company I am complaining about, apparently answered that this is a duplicate of a previous complaint. This is totally false. The new complaint asked the question, " Do you own the mortgage Note? " I never filed this complaint with the CFPB before. I believe that they sold the Note to a debt collector. 

If they say the do own the Note, in answer to my CFPB complaint, and I prove that they do not, in court, they have committed a felony, lying to the CFPB, which is punishable by up to 5 years in jail and a fine. 

This is a chance for them to avoid that situation by admitting that they do not presently own the Note.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, TransUnion consistently responds within 24 hours, stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5535 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : 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

I have been trying to get my free report and scores but no Luck!

with XXXX   Bureaus but after I put my personal information I get a window message that says no record on the data you entered.

instead I get soliciting products or services to purchase from them.

only Experian sent me a report but without scores. was requested on XX/XX/2018 with wrong & outdated information that passed 8 years.

while XXXX can NOT be accessed at all
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, Equifax is discriminating against my name. When I call they try to ask me twenty questions to verify my identity. I am a male and they think I am female due to my higher voice. I answer all their questions correctly and they just keep harassing me with more questions. I then ask to speak to the supervision and they do the same thing. I told them today I was reporting them to the cfpb-they didn't care. 

All I'm trying to is dispute something on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan.

I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate.

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- CARFINANCE.COM Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX  One hard inquiry on XXXX ; 1- XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed letters dated XX/XX/23 ; XX/XX/23 and XX/XX/23 requesting validation of the debt, however the only response I have received has been from XXXX advising that the account has been verified. I have not received any responses to the letters I have mailed requesting, the name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If can not provide please remove from credit files
Product: Credit reporting or other personal consumer reports

Bankruptcy - The courts do not report to credit burcaus this information is unverifiable and inaccurate/ invalidated account
Product: Credit reporting, credit repair services, or other personal consumer reports

Still showme open the account on my credit report like credit karma XXXX and  XXXX