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

My Checking and Savings Accounts were hijacked and accessed illegally by my XXXX 's son named : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX on XXXX XXXX and XXXX, XXXX and I've not got cooperation from the Police Department of XXXX XXXX, XXXX  to file a criminal complaint for Criminal Impersonation, XXXX Crimes affecting my Financial Institutions/s and : Larceny on $ $ while breaching my computer and associated financial accounts. I don't know where to turn at this point??
Product: Credit reporting, credit repair services, or other personal consumer reports

As Dated XX/XX/2022, I, XXXX XXXX, consumer did not give the written instructions to TransUnion LLC to furnish the identified information on my consumer report, I have come to the understanding that TransUnion LLC is in violation of my rights to privacy. See attachment.
Product: Consumer Loan

Had a privacy issue when applying for a vehicle loan through XXXX ( TCF Bank ). I got a call from the funding specialist because apparently they did not get all of the necessary information from the vehicle dealership. I was asked many questions over the phone, many of which were on other parts of the application. I was okay with this. However, there was a document missing that required my signature and my driver 's license was too dark so they needed another copy. I was emailed the document that needed to be filled out and signed. All good so far. Now comes the issue. They do not use secure email and for convenience sake, they allow a text to their manager to send the documents in. I was n't happy with either choice, so I sent it in by text because I did not have scan capability readily available. I sent a picture of the completed documents to the finance institution along with a copy of my driver 's license. Got a text back minutes later saying, wrong number. This upset me. 

I called the finance specialist back, and after a little research, he figured out he gave me the wrong number. I just sent a credit application with my SSN, DOB, employer, income, a copy of my driver 's license, and all the information needed for credit fraud. A finance institution did this to me. This upsets me greatly and according to the finance institution, there is nothing they can do but call the individual back that I sent my information to and ask him to delete it. This makes me feel so much more safe. I just put my information out to be used or sold to a complete stranger.
Product: Debt collection

I sent by certified mail to Equifax the attached Affidavit of Dispute and Fraud Claim for Collections and Charge Offs Reported
Product: Debt collection

Company stated my " account '' was removed from their system and I would not receive calls anymore. Never purchased any products or services from XXXX XXXX so there should not be an account in the first place. Still calling with fake spoofed caller ID number that does not belong to them. As of writing time of call was XXXX my time. I will continue to file complaints against XXXX XXXX every day they call my phone.
Product: Mortgage

HSBC Mortgage Service Center is my current lender. I filed Bankruptcy in XX/XX/XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with HSBC as well as XXXX, XXXX and XXXX to no avail. I have attempted XXXX times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither HSBC nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having HSBC Mortgage Service Center be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I took notice to inaccurate information on certain accounts. The accounts goes as follows ; [ XXXX  Account Number : XXXX ] [ XXXX XXXX XXXX  Account Number : XXXX ] XXXX XXXX  Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] The inaccuracies are that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.

Additionally, a creditor CAN NOT mark a consumer as late for any reason/purpose as it violates 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late.

I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' of these late payments then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Debt collection

The account was opened on XX/XX/2020. At the time I was noting live in XXXX XXXX and I never received any mail about paying of the debt had I received an letter in the mail I would have no problem playing it off as long as I had a description of what I was paying off and why however now it popped on my credit account effecting my approvals for apartments, Car loans, and etc. I have no idea who this company is and I never visited there office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach. My personal information was leaked due to poor security measures by the company. Per Equifax, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Product: Credit card or prepaid card

I purchased two American Express gift cards for {XXXX} each and sent them to two friends of mine on XX/XX/2022. Upon trying to redeem the recipients received a zero-balance message. Upon getting that message I called American Express immediately to report the stolen cards. I was told on XX/XX/XXXX ; the cards were redeemed in TX but are pending. I was told Amex will put a hold on them, and I was to call the stores and ask to stop the transactions, but no info on whom to call other than they were XXXX stores. I called Amex back and I was to check back with them on XX/XX/XXXX. On XX/XX/XXXX, I called Amex on the off chance that they may have finished whatever they were doing early, and at that time l was given the name, address, and the phone numbers where attempts were made to redeem the cards ( BTW, it was not in Texas, one was in TN and the other was in NH ). In the meantime, I consulted with a lawyer, and I was told the store that sold the cards and the place where the cards were redeemed have no responsibility to fix the problem of the stolen cards, the responsibility lies on the card issuer. However, I called both stores and confirmed what the lawyer said, they have no responsibility to fix the problem. I called Amex and asked them what can be done at that point and I was told the cards were redeemed on XX/XX/XXXX and they quoted me the Terms and Conditions and there is nothing they can do for me, despite the fact that they fed me the wrong information, made wait till the cards were redeemed, and giving hope that I may retrieve my money. 
This happened to me two weeks prior also but did not know what to do about it, in a span of four weeks I had {XXXX} stolen from me in Amex gift cards. Please let me know what documentation is required of me. 
PS. I was asked at the end for a card #, I do not have an American Express Card, this is about a gift card issue.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks HARD INQUIRIES 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 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: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed XXXX {$2000.00} XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXXXXXX Balance Owed : {$6700.00}
Product: Mortgage

Mr. Cooper took money from our account with out us knowing. We do not do business with them
Product: Debt collection

I submitted a complaint to cfpb in XXXX of XXXX against National Collegiate Trust - Case Number XXXX. The response I received was not from National Collegiate Trust ( NCT ) ; it was from AES ( American Education Services ), who wrote to tell me that NCT was the collection manager and AES no longer had another authority to alter or negotiate the terms of my loan. Why did AES respond? I obviously knew they were n't the ones reporting it on my credit report, or else my complaint would have been directed to them. NCT is the one that is reporting my debt incorrectly. In addition, I would like validation of my debt with NCT, including a printout of all the activity on my account since they have taken over as servicer. I need this because I am disputing the balance they are showing on my XXXX Credit Report. My mother paid somewhere in the amount of {$18000.00} on this loan when NCT starting harassing her in the beginning of XXXX, so I know there is not a balance of {$22000.00}, as they are reporting on my XXXX credit report. In fact, the original amount of the loan was {$22000.00}, as you can see from the attached credit agreement, and I made payments from XXXX to XXXX in the amount of {$230.00} ( XXXX payments ), so it 's not possible that I have a balance of {$22000.00} as NCT is reporting. I believe my balance is {$.00}, as they have always previously reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toda y,  XX/XX/2017 , I atte mpted to order Equi fax Premium 3 c redit scores offered for {$3.00} for the first 30 days, and then {$19.00} if not canceled.   I submitted my personal and debit card information and it gave me 3 times ERROR. Equifax system is designed to mislead customers and make them thinking they made an error. This is why I clicked 3 times.   Here is how Equifax  SCAMMING AN D Thief Practices work : { see copy of the most recent Equifax transaction on my bank account ) I was scammed and charged 3 times without Equifax allowing me to see my report. They never notified me that my bank account will be charged.   I called their number  XXXX  at  XXXX   XXXX . Their customer representative  XXXX  ID #  XXXX  refused to fix it, refused to stop the charges. Equifax worker,  XXXX , even BLAMED ME THAT I 've CHOSEN TO USE THEIR SERVICE AND STATED THAT I HAVE ORDERED IT BY MY OWN WILL!   I was very upset, and objected the scamming Equifax practices insisting to  XXXX  to do his job and cancel the payments/charges immediately. He REFUSED TELLING ME I SHOULD CALL MY BANK.   I said that I DO NOT TRUST EQUIFAX ANYMORE. EQUIFAX SHOULD NOT BE INVOLVED IN a THIEF PRACTICES, BUT IT IS A COMPANY that PROTECTS THE PRIVACY OF MILLIONS OF  AMERICANS.THUS  EQUIFAX IS INVOLVED IN SCAMMING PRACTICES AND FAULSE ADVERTIZEMENT in order to illegally make profit. Not only this, but Equifax worker arrogantly refused to stop the illegal charges.THIS IS VE RY SCARRY!      "   XX/XX/2017  Pe nding Card Hold / EQUIFAX  XXXX   XXXX   XXXX . Release Date   XX/XX/2017   {$3.00} Pending Card Hold / EQUIFAX  XXXX   XXXX   XXXX . Release Date   XX/XX/2017   {$3.00} Pending Card Hold / EQUIFAX  XXXX   XXXX   XXXX .  Release Date    XX/XX/2017  { $3.00} "
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Product: Credit card

milestone credit card on my report maxed out and I filed a report threw XXXX XXXX and my score when back up some but theirs a hard inquarie on my report I want removed if at all possible. 

I greatly appreciate all your help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid, me and the collection company make a agreement, PAID TO DELETE from my credit report, please remove this account from my credit report. 

Account name XXXX XXXX XXXX Account number XXXX Account type XXXX XXXX XXXX Individual Date opened XX/XX/XXXX Status Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was using PayPal and Venmo until PayPal permanently closed my account without any explanation and is keeping my money hostage. Then, Venmo closed my account without any explanation. Both companies are saying they can't tell me the reason but I m supposed to just accept it. This is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following reported accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

In my affidavit i stated violations on behalf of XXXX XXXX and Global Lending Services. I believe i federally protected consumer have been violated in several way under the fdcap, fair debt collection practice act. fcra fair credit reporting act, and also tila truth in lending act. any fraud in any contract is null and avoid.
Product: Debt collection

This is an issue with both XXXX and a collection agency called Collection Consultants of California. I have an open collection item with the collection agency mentioned above, originally assigned XXXX. To date, I have not received any notification of this collection account. I last went through the process of pulling my credit reports from the 3 credit bureaus in late XXXX XXXX, which is where I first learned of the collection ( it appeared on all three of my reports ). I submitted disputes to all three credit bureaus disputing the validity of the debt- both XXXX and XXXX removed the collection from my records, while XXXX marked it as valid. At a loss of how to resolve the issue, I sent an email on XXXX/XXXX/XXXX to the only contact email I could find listed for the collection agency ( XXXXXXXXXXXX ' ) proposing to proposing to pay the collection just to get it removed from my credit report. I did not imply ownership. I received no response. In XXXX I again disputed the validity of the debt through XXXX and again had it marked as valid. I am submitting this complaint as I am at a loss as to how to resolve this issue and get this collection removed from my XXXX. Due to swift removal of the collection from my credit report by 2/3 credit reporting bureaus as a result of my initial dispute, the lack of communication about the collection by the collection agency, and the lack of response to my email to the collection agency in which I offered to pay the collection amount in full simply to make it go away, I have serious doubts regarding the legitimacy of the collection agency. I feel stuck in a untenable situation where I can neither pay to resolve the collection nor effectively dispute it. I am also confused as to how XXXX has access to data that shows the collection as valid, while the other two credit agencies determined it was invalid.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a XXXX report as requested. 
Credit Inquiries : 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 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: Checking or savings account

I filed 2 claims where I provided information as well as police reports to my debit card being stolen. Though it got denied twice, I reopened it again for the third time last week because my funds were clearly stolen yet they kept denying it. As I tried to access my account yesterday, XX/XX/XXXX, it stated I was no longer enrolled. I called Bank of America and they stated they closed my account that morning due to business decisions. They stated I did nothing wrong and this would not appear on my credit check however they would continue with their closing process. This impacted me heavily as I get my paychecks on the first of each month ; with such a late notice before my paycheck was deposited, my direct deposit then entered a closed account. They stated I must wait 3 weeks to receive my check in mail however I can not wait that long. I thought I was a protected customer which is why I filed those claims, however it seems as if they chose to protect the thief rather than their own customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I ordered my annual credit report by phone. This was after one year since my last year Equifax credit report was received, which was also not sent upon request through the annual credit report request process.

Equifax has now for years refused to send my annual credit report and the only reason I have received any of them from Equifax is because of my ongoing annual complaints filed with the CFPB.

I am once again this year requesting the CFPB to assist me in receiving my free annual credit report from Equifax.
Product: Mortgage

My loan got sold to homeloanserv. I work in XXXX  so I know it can take a while when that happens for them to report the mortgage to the credit bureau. However I have been making payments since XXXX ( XXXX ) and it is now almost XX/XX/XXXX. My mortgage has not reported to my credit. I have called and emailed and homeloanserv intially did not respond to me. I finally started working with one of their employees who said it would report by XXXX ( XXXX ) at the latest. Keep in mind that is 6 monthly mortgage payments later. XXXX has passed and it is still not reporting. Emailed the representitive again and she said it could take the credit buears two to three months to report. So basically they are telling me my mortgage may not report to my credit until XXXX. That is 10 months worht of payments and no reporting. In my five years of XXXX I have never seen any other company take that long to report. They will not address or fix the issue even though I have contacted them multiple times to do so. It's frustrating where i'm actually making my payments and trying to further build my credit score but I am unable to do so due to the companies lack of reporting standards.