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

I am a victim of identity theft and i desired to have my information updated in order to prevent theft by mail, or digital fraud against me by old information obtained unlawfully. 

The addresses below needs to be removed and purged from the systems of experian address 1 XXXX XXXX XXXX XXXX, Ohio XXXX reported XX/XX/19 Entry unknown never had a contract for service, I never lived here or received mail here. 

address 2 XXXX XXXX XXXX XXXX, Ohio XXXX I have never lived here within the past 14 years and it is still reporting. The pre-approved offers were denied due to digital forgery of others who tried to pretend that they was me but did not have the code to unfreeze the credit reports. Police was notified noted and still is under investigations for the individuals by detectives.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX 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 EXPERIAN AND XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS ON DATE XX/XX/2015 FOR BALANCED OWED {$0.00} 15 U.S.C. 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION SO THEREFORE I NEED THESE ACCOUNTS DELETED IMMEDIATELY
Product: Credit reporting or other personal consumer reports

On my credit report there is an item from XXXX, that I paid it for deletion. Its still on my credit report after it was sold to a collection company where I paid in full. I have dispute this with the company and the all the bureaus. And they have no resolve the problem. Please look in to this issue thanks.
Product: Debt collection

Called my place of employment asking questions about me. I asked they not contact my place of employment.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX XXXX. 
I was definitely impacted by Equifax. Hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation is'nt applied too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account number : XXXX, has violated my rights. The original creditor is reporting as XXXX XXXX, which Ive never had knowledge of. 

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 also states A consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This company Midland Credit Management has violated my federal consumer rights. I have a right to privacy and my information is not protected because this company has stolen it!! Pursuant to 15 USC 1681 ( 2 ) I never consented to none of this and the reportings to my credit reports which is fraud.
Product: Checking or savings account

I received notice from XXXX XXXX that TDBank was no longer being monitored as one of my accounts by them and that I needed to contact them to try to have it Re connected - the problem is I never signed up for td bank and once I tried to connect with them and log in or start an account to see what I could find out, I had to place a freeze on opening up other bank accounts. This was yesterday, XX/XX/XXXX when I was notified about this. On XXXX a similar experience occurred when someone other than myself tried to open an account at XXXX XXXX XXXX without my knowledge or permission. XXXX notified me of this as well
Product: Payday loan, title loan, or personal loan

Wells Fargo signed off on the CA title and sent to XXXX XXXX XXXX who then sold the car for storage fees in NV ... they are now trying to say the co signer is in default because I stopped paying insurance and payment as of XX/XX/2017 when I finally found out what happend to the car that I have been trying to locate. The police said it was a civil matter. I am still currently waiting for CA DMV to send documents as to how this was acomplished. I still owe XXXX and the towing company will not release information to me but told me that wells fargo signed off and sent them the title and wanted to know why the bank has not contacted them. I will pay the loan if it is found to be my fault but so far the Wells fargo agent from the executive office is not responding to faxes, calls or letters but procceding with default on the co signer. The mail box is always full and you can not leave a message. Faxes and letters go unanswered. There own title dept said the messed up!
Product: Credit reporting, credit repair services, or other personal consumer reports

Usps tracking # XXXX To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency.With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report.Furthermore, the Metro 2 standard is a common format for reporting credit information. Banks and other lending institutions use the Metro 2 standard to report information to the CRAs. The goal of the Metro 2 standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the XXXX XXXX XXXX XXXX ( XXXX ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights.The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you! Also, federal law requires you to respond within thirty
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CRA, XXXX, Equifax and XXXX ... See attachments because This is driving me crazy. I've been wanting to have these items deleted ASAP so here -- I have included further information regarding the inaccuracies on these items and why exactly they should be rectified or alternatively removed from my credit report. I expect and demand that these errors be remedied at once, if you are not able to fulfill this then I ask that you furnish the full responses from the creditors as well as their full contact information like full legal name, accurate mailing address, as well as an accurate telephone number so I may address these issues directly with them.

Im little perplexed and shocked that these accounts below is still reporting falsely into my credit report which as dramatically affecting my credit score and my ability to finance a house for my family at this point. Especially during this pandemic of COVID19, Im finding it really hard to get any finance with these alleged delinquencies into my credit.

Honestly, there is no way that you conducted a reasonable investigation from my previous several disputes and challenged, because its still reporting incomplete, misleading, multiple inaccuracies and inconsistencies with reporting. Its my understanding after talking to your representatives and talking to a friend lawyer that once a CHARGE-OFF account is closed, it shouldnt report any more C/O status or 30/60/90+ days late on payment history. Cmon, how come there are different dates of last active, last payment, 1st dates of delinquencies, inconsistencies on my credit report if you get the information from the SAME FURNITURE. Therefore, these accounts are not in compliant with the consumer laws, and I demand an immediate deletions from my credit report. Please send me a new credit report showing the deletions. You are illegally causing this account to re-aged, which its adversely affecting my score. DELETE NOW!!!

XXXX XXXX I paid off this account months ago, but you continue to report incomplete and erroneous information such as balance and payment status.

****I PAID OFF THESE ACCOUNTS AND I WAS PROMISED BY THE CREDITORS THAT IT WOULDVE BEEN DELETED, AND IVE CALLED SEVERAL TIMES CONFIRMING THAT THEY WILL SUBMIT A NEW TICKET OR DISPUTE TO GET THEM DELETED, - PLUS ITS REPORTING MISLEADING AND INCOMPLETE INFO, AND THEREFORE ITS NOT VERIFIABLE AND NOT IN COMPLIANT! 

XXXX # XXXX - delete now!!! 
XXXX # XXXX XXXXXXX - delete now!!! 
XXXX # XXXX delete now!!! 
XXXX # XXXX XXXXXXX- delete now!!! 
XXXXXXXX XXXX XXXX # XXXX delete now!!!
Product: Credit reporting or other personal consumer reports

On XXXX I attempted an online loan modification on my car loan with XXXX XXXX  in the reduced amount of {$110.00} with the intention to have my previously set up payment suspension program continue until XXXX and for the loan modifications first payment to be due on XXXX. 

I completed the modification online and I made the first payment on XXXX as I believed the first payment date was to be around XXXX for the amount of {$110.00} and that the payment suspension program would continue until XXXX. 

Instead, I later found that the online system calculated an incorrect payment amount of {$1100.00}, effective on XXXX which was the incorrect effective date, and due on XXXX just two days after the request was made. I also did not receive notifications via email about a payment reminder or anything related to a late payment after this modification was completed. 

I put in the request online and now I believe the automated system did not accurately receive the request but I was not aware until I received a 30 day late credit update on my credit, as I received no emails or phone calls that my payment was past due or updates regarding the new total and due date. 

With the attached agreement showing these errors, I am requesting that XXXX update my credit line for all 3 bureaus be updated to paid as agreed with the temporary payment suspension payment program extending to XXXX and with the correct monthly total of {$110.00} instead of 30 days late and a total of {$1100.00}. 

Also, I did not receive any disclosures and notifications on the correct payment amount and due date and the termination date of the temporary payment suspension program, nor did I get any warnings about the next payment being late as other lenders would typically do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove these negative items ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7700.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.
Product: Debt collection

This collector verbally and via writing threatened to call the medical board to investigate my XXXX XXXX  because of an unpaid debt. The email sent by the collector is attached.
Product: Consumer Loan

GM Financial repossessed my mother 's XXXX when there were only XXXX payments left AND my mother was in the hospital & I did n't know her financial status. It cost her XXXX ( with XXXX payday loan advances ) to retrieve the car. She is on XXXX AND she is XXXX AND XXXX. The repossession company ( XXXX ) lost the spare tire. Because of the high interest rate, the excessive fees and the repossession costs, we believe that the loan has been paid in full. Additionally, GM Financial made it extremely difficult to pay. Our bank could not transfer funds, GM Financial would not electronically debit the funds and instead forced my XXXX mother to go to the bank, then to XXXX and use XXXX XXXX. I believe that this is elder financial abuse in that GM Financial took the car when the equity was nearly complete thereby nearly XXXX their income from the loan if it were remarketed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is knowing and willfully report inaccurate information on my report causing me emotional stress and stated they would remove on the cfpb portal but continues to report it causing me harm and defaming my charter. They were told on several occasion in writing this is identity theft I never gave anyone written permission or verbal to share my private transaction to make a profit off me. Its there grave responsibility to make sure they investigate transactions before they report on my consumer report and failed to do so! Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. They just marked it verified never sent method of verification an sent me proof that I have a contract with these collection companies or the forward flow sheet. I have a right to privacy and you violated me for the last time. Never Sent me Document that shows me I am LEGALLY OBLIGATED to pay this alleged debt. A simple answer of been verified doesn't constitute an appropriate legal nor lawful response
Product: Mortgage

I have a XXXX conventional mortgage closed and serviced by AIM Loan, with their corporate address being listed as XXXX XXXX XXXX, XXXX XXXX, IL XXXX. The loan was initiated in 2012, is current in all respects, more than 50 % payed off, and with a remaining LTV of less than 30 %. I live in the state of Minnesota. The loan terms and state statute provide the specific authority for me to remove escrow, given the above facts. 

I have repeatedly engaged AIM Loan through their preferred communication approach : AimLoan.Com. I have made 4 separate and distinct attempts to request that AIM Loan provide instructions for removing escrow. In all cases, AIM Loan confirmed receiving my request but then failed to subsequently respond. I have attempted to resolve this issue with AIM Loan for over a year. 

Given AIM Loan 's violation of both loan terms and state statute and their unwillingness to even respond to the requests, I seek CFPB 's engagement. I would ask CFPB to assist in requiring AIM Loan to provide specific instructions and facilitate removal of escrow per my repeated requests. I also ask that CFPB and it's partners take enforcement action against AIM Loan including restricting their ability to offer financial services to consumers until they are able to respond in a timely manner to all consumer requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX  XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry dates XX/XX/XXXX XXXX 

15 USC 1681 section 602 A. States i have a right to privacy 15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

It was from my Zelle account link to my XXXX which is now closed it has been numerous times I have money missing through these payments from on sending and receiving.
Product: Checking or savings account

On XX/XX/XXXX, I called the Chime Fraud Support and reported several transactions that had been done on my account with my card and pin on the dates of XX/XX/XXXX and XX/XX/XXXX for the amounts of $ XXXX $ XXXX $ XXXX $ XXXX {$400.00} and {$48.00} all done at the same place and same location of XXXX  XXXX XXXX. I was at this location myself on XX/XX/XXXX However my card was stolen after trying to use it at the ATM. So therefore there was a total of 2 days of transactions totaling {$1300.00} with the {$2.00} fees which I was also charged when the person used the ATM. I by the way did not realize the card had been stolen until XX/XX/XXXX when I reported it. There were a total of XXXX {$2.00} fees. I reported all of this on XX/XX/XXXX. On XX/XX/XXXX my claim reported for this was DENIED and the explanation was very unclear and did not prove to me how or why this decision was made. These funds were taken from me. I am a single mother with one income and I explained this to them when making the claim. I can not afford for a Rent payment to be stolen from me and not get the funds returned. So on XX/XX/XXXX @ XXXX after a very long day at work I called again to the XXXX customer service and asked why my claim was denied and if they could reopen it and the representative XXXX XXXX yes it would be opened and they would review it again. On XX/XX/XXXX at XXXX for a second time I received a email that AGAIN the claim was denied Claim # XXXX same claim number as the original call and claim on XX/XX/XXXX. I am beside myself loosing this much money and not getting the funds returned to me. I have resorted to this because I am totally not willing to let this be just be ok and denied when this was my hard working money stolen from me.
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. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : NCB Account XXXX : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : DPT EDXXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name XXXX XXXX XXXX  Bankruptcy Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX and 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 card or prepaid card

Good Evening Capital One. As you can see, I have a long-standing relationship with your company but today I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX and XX/XX/XXXX for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected or fast enough. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report. Today, when I saw that balance I went ahead and made full payment.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXXXXXX Balance {$3100.00} XXXX XXXX XXXX XXXX  Balance {$99.00} 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 XXXXXX/XX/year>
Product: Debt collection

Midland Credit Management reported to XXXX, XXXX, and XXXX  that I had an account with them that I opened on XX/XX/2019. This information is false because I did not open any credit card accounts in XX/XX/2019. 
I want Midland Credit Management to submit the following to me as proof that I opened this account on XX/XX/2019. 

The initial agreement between myself and the creditor. 
A transfer of debt ownership to a third-party collection agency. 
My payment history. 
The current account balance. 
Fees and penalties added to the account. 
The collection agency 's bonded right to pursue the debt in my state of residence. 

Afterwards I want Midland Credit Management to remove the information posted on my credit reports from the following credit reporting agencies. 

XXXX  XXXX XXXX In addition Midland Credit Management or it's subsidiaries are to no longer contact me about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports. On all the reports it shows I have negative and a late account with XXXX XXXX. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with XXXX, XXXX and Experian. All came back verified. I called XXXX XXXX, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.