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

XXXX XXXX XXXX Summit XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ( P ) ( XXXX ) XXXX ( F XXXX XXXX old name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due to rent and she moved out in XXXX of XXXX, with all bills paid and current. The property allowed her to pay the rent and accommodating the late payments. There was never an eviction to move. The property rescinded the eviction and did not update, that payments were paid and no eviction occurred at the property. XXXX XXXX XXXX XXXX XXXX XXXX XXXX County Justice of the Peace 6XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I don't live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/XXXX. There's an amount of {$2600.00} that was already paid to the property in XXXX for past due rent. There was no eviction and there is no amount to be paid. Please contact the property and correct the court records and remove this from Transunion, XXXX, XXXX, Case # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I was unaware of any debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a processor served me with papers for a court hearing at my home to attend court on XX/XX/XXXX. The original creditor on the papers I received is nowhere on my credit report. They state a bill of sale and assignment of Navy Federal Credit Union accounts on XXXX page 26 of 41. There are no other pages or amounts on the bill of sale document. According to the bill of sale dated XX/XX/XXXX reflects my personal information with an open date of XX/XX/XXXX ( 1 of 3 ), a charge-off date of XXXX XXXX XXXX, a purchased balance of XXXX, a last payment date of XX/XX/XXXX of XXXX ( unknown payer ) on ( 2 of 3 ), and Navy Federal Credit Union ( 3 of 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I kept receiving letters in the mail saying that my application is in progress, which was confusing knowing I haven't been applying for any card so I went to check my credit and I found these inquiry on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

I Was checking my checking account to make sure that my creditors where getting paid in a timely matter. I was shocked to see that I had missed 4 mortgage payments, bc I had set up auto payments apparently this was not done by my bank but one time since the first of the year. This is way I thought my mortgage was paid, I had excellent credit score in the 700 now its in the 600.there trust in a bank when you become a member, this was breached by XXXX, for not paying my creditors in a timely manner I was very upset bc of this response from XXXX. For not calling me to let me know that y mortgage was not being made. Long story I paid the oweing balance in full, now Loandepot states that they did not get the {$4200.00} that was sent to themXX/XX/2021and now they are charging me interest by day, bc they Loandepot states that they did not get the ACH payments sent to them from my bank XXXX just4 days ago, but my bank XXXX states that they cash the XXXX check of {$3200.00} Plus Loandepot gave e two loan numbers to identify my account. One they changed in the space of a week to a new number old number is : XXXX. Now they gave me another # XXXX l think they are trying to cover up. My ACCOUNT so they can confuse me.please look into this matter for me, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021, and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX DPEDXXXX - XXXX DPEDXXXXXXXX - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

i sent equifax ftc police report and data breach affidavit in the mail over 2 months ago claiming Naver received two address of fraud on same street XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX and XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX are link to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all fraud accounts my address is XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a contract with XXXX ( XXXX ) around XX/XX/XXXX. I didn't believe the service was effective so I called the following month to cancel it. I was informed that only the manager of the local branch could cancel it. I tried to get in contact with the manager at the closest branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) but kept being told that he was unavailable. I left several messages and attempted to contact them several times before finally reaching him in XXXX. He came out to my house for me to explain why I was dissatisfied with the service and verbally agreed to cancel it along with anything that may be outstanding. When he got back to his office, he sent me an email on XX/XX/XXXX stating : " Just to confirm, I have cancelled both the pest control and exclusion agreements as we discussed. Also the remaining balance of the monthly payment plan is in the process of being cancelled. Please disregard any statements you have received and save this email for your records. '' That was 3 years ago and on my XXXX credit reports with Transunion, XXXX XXXX XXXX it shows 1 or 2 late payments between XX/XX/XXXX & XX/XX/XXXX. I filed a dispute with all XXXX of the credit bureaus and sent a copy of the email from the local branch manager, and still it remains on all of my reports. I asked the bureau why, they said that the furnisher of the financing ( XXXX ) said that the information on my report was accurate. Clearly it's not.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was given the go-around by this company for about a week and a half. I was given different information each time I called about why my loan application was denied and what I could do to provide the information that was needed. After filing a complaint and waiting almost a full week to hear back from management, I was told that I had been denied because I could not provide information that was needed to verify my income and employment. I was told I would not have an opportunity to provide the information needed because they would not approve the loan regardless of me providing it. I asked why they would not consider working with me further and I was told that I could not know why I was denied, and there was nothing I could do. I asked many other times why I was not being given the opportunity to provide the information and the manager simply told me she could not tell me and that she was sorry. I feel that this was a discriminatory decision because of my XXXX last name.
Product: Prepaid card

I have the receipt for a {$60.00} vanilla gift card that once purchased was not any good. I couldn't use it at the gas station, I couldn't use it for anything! I couldn't buy anything on XXXX which is actually what I needed to use it for to buy supplies for my business that I can not purchase at a local merchant. I called vanilla XXXX weeks ago and they said they were going to issue me a refund check and it would be arriving by mail at the latest in XXXX weeks. Well XXXX weeks has come and gone. I called to check on it yesterday and was told that my ticket had been erased. Today when I call ( I have called every XXXX hours since XXXX a.m. this morning a total of XXXX times just today ) and once the agents hear my problem I am told that their system is down but it seems like it's working for any other problem. I just would like my refund I want my {$60.00} please. This is taking far too long and it was promised XXXX weeks ago.
Product: Credit reporting or other personal consumer reports

XXXX Account is reporting on XXXX, XXXX, XXXX as closed. This account is fully paid in full with Zero ( 0 ) debt owed to company. This reporting is taking an Affect on my credit report from all bureaus and needs to be removed as it is paid in FULL. 

U.S.C 1681 ( a ) -In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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.

Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 section 602 A. - These accounts shall be removed/deleted immediately until they receive my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about an inaccurate credit reporting issue concerning a Bank of America credit card account that belonged to my late father-in-law. I was added as an authorized user on this account without my request or consent, solely to facilitate purchases on his behalf. I did not accept any financial responsibility for this account. 

Unfortunately, I have discovered that this account shows a 30-day late payment reported in XX/XX/year>, which is now reflected on my XXXX credit report. This late payment is the only negative mark in my credit history, and I believe it is unjustly affecting my credit score. 

As the account is now closed and my father-in-law deceased, I have been unable to obtain any contact information to address this issue directly with Bank of America. I have made numerous attempts to resolve this matter, but I have not received any assistance or clarity regarding the late payment that is not reflective of my actions or financial responsibility. 

I kindly request the removal of this inaccurate late payment from my credit history, as it does not pertain to my credit account or any obligations I have incurred. I would appreciate your assistance in investigating this matter and ensuring that my credit report accurately reflects my financial behavior. 

Thank you for your attention to this issue. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

Seriously, it's been weeks since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update them immediately in my report : XXXX XXXXXXXX Balance : {$210000.00}
Product: Debt collection

USAA claims to have not received my debt validation letter, yet I have a certified mail slip XXXX XXXX XXXX XXXX XXXX XXXX that was signed for by USAA on Mon, XXXX XXXX, XXXX XXXX, which indicates this as untrue and they are continuing to practice slight of hand. USAA has since harassed me by phone despite my very clear terms of only communicating with me via a commercial affidavit, and specifically stated to NOT harass me by phone. USAA has not answered my requests POINT FOR POINT of the following. I quote specifically from the VOD sent directly to USAA at XXXX XXXX XXXX. XXXX XXXX TX XXXX. 

" * The amount you claim the Respondent owes you * An explanation showing how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * The original lawful contract I would also like to request, in writing, that no calls should be made by your agency to my phone line. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. '' USAA chooses to remain in dishonor in this matter. Once again, I request to be answered point for point via my VOD. USAA has failed to respond to me via a commercial affidavit within the 10 day period allotted, which places them in dishonor.
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 with an account number 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 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.
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.
Product: Money transfer, virtual currency, or money service

I've had accounts closed and money lost due to fraud account made donto breach and the company said it was fraud but not on my end. My bank couldn't release it till they did I could barely reach cash app and when I did it was no avail I'm still out of XXXX  and crypto that I've yet to get back and also can't even make an account now as we speak and when I do make one the instantly mark it fraud. I think q fair resolution would be me being refunded and the max amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Company 's response is that they gave me the summary of results on XXXX, XXXX. 
However, I received no invoice or summary of results and zero knowledge of this amount owed. There is no certified mail or evidence that I received such notice as surely I would have disputed immediately instead of this inaccurate charge hitting my credit report. 

I have no idea what this charge is for or who this company XXXX XXXX is. I do not owe this really high debt. They sent an invoice with zero explanation what this is and what it is for. I've had no business dealings with this company. This has caused me to be denied housing and causing me financial hardship. If this does not get removed asap I will have to seek legal action for all those involved. ACCOUNT : XXXX NAME : XXXX XXXX  AMOUNT : {$4800.00} In accordance with the Fair Credit Reporting Act, This account has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. I have already submitted several letters sent via certified mail to resolve these inaccuracies and received no proof or help of these accounts should not be able to just say I owe money that I do not owe with zero evidence. If it was verified accurate, what method was used? Where is the evidence that it is accurate? This pro collect company just sent an invoice with no details. This needs to be removed off my account asap and I may now have to start a litigation case against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Marked as evidence in my attachments, you can see the malice intent by Equifax by going in to my XXXX Credit Report and Opening up the Accounts, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX. Now these XXXX with malice intent [ OPEN ] these accounts after, TradeLine, Creditors, Charged off and CLOSED these accounts here listed above. See this criminal XXXX move by Opening these XXXX ( increases ) my XXXX DTI, debt-to-income Ratios, check out XXXX  attachments, over $ 7,700.0monthly
Product: Credit reporting or other personal consumer reports

XXXX experienced a major data breach which means everything on my consumer credit report was breached.
Product: Mortgage

Dear Banking & Insurance Rep, Im writing in regards of loan from Residential Home funding, Corp, RHF Number XXXX. 
I filed a previous report back in XX/XX/2018, which was answered by the President Mr. XXXX XXXX. I have attempted to contact him over the most recent issue ; which is extending to the previous issue already cited inappropriate contact with the Contractor without consultation with myself ( Lendee ). Upon reaching out to him by phone, he answered and said hed call me back in an hour. After several hours, I followed it up with a phone email, where he asked that I give him a chance to discuss it. Thus, upon attempting to do so, my calls were automatically directed to voicemail, which mailbox is full and can not accept message. Yes I had to change my number unexpectedly, but email has ALWAYS been more feasible ( see email upon request ) This is resulting in filing a complaint. I have put him and his associates numerous times for this misconduct and unethical behavior, yet they repeatedly attempt to deviate and NOT inform me of issues or concerns. Now I am being ignored just as before. 
At this point, I dont believe there is relief adequately and thereby effecting them from such repeatedly abuse of the contract or law and/or policies. 
This needs to STOP. They must deal with me directly, Ive ALWAYS been responsive quickly and deal with concerns as they arise through my email, therefore, they did not attempt to contact me until after I raised the issue once again after finding out they talked with the Contactor unwilling to me. 
I have closed on the house in XX/XX/2018, however, still need to seek the finalized of the 203K program final draw. I dont need anymore interruptions or issues arising due to their neglect and misuse of their power over my loan and/or processing of such finalization. 
When is the Banking and & Insurance or the Consumer Financial Bureau going to actual fine or enforce them to STOP doing this misconduct? 
Please get back with me immediately. See below information. 
XXXX XXXX | Vice President of UnderwritingResidential Home Funding Corp. 
XXXX XXXX XXXX, XXXX XXXX |XXXX , NJ XXXX Thank you in advance. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX
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, 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 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a notice to Transunion to correct my personal information because there were inaccurate names, addresses, employers, etc. reporting. 

However, Transunion did not remove all old information associated with the personal information section of my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) -Accuracy and fairness of credit reporting, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Also Pursuant to 15 USC 1681e ( b ) - Accuracy of Report, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My personal information should be listed as such and no other. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer : This section should have no employer due to unemployment The following personal information needs to be deleted ASAP. 

Name : 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 The addresses are inaccurate because I do not live there and I can not receive mail or any correspondence nor do I have access to any of these addresses. The only correct address is the address I listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX