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

The following account ( XXXX XXXX XXXX ) belongs to someone with the same or similar name. Please delete this account.
Product: Payday loan, title loan, personal loan, or advance loan

Looked at getting a personal LOC. Upon receiving the contract the APY charged daily was 299 %. This should never be legal anywhere it's literal XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? : I had a pre-approval for a home loan through the GA Dream program but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA Dream program even though I completed everything asked of me to qualify the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the GADream program for down payment assistance for healthcare workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 


When did the last act of discrimination occur? : XX/XX/2020
Product: Credit reporting or other personal consumer reports

According to the Consumer Financial Protection Bureau ( CFPB ), Equifax has a history of failing to investigate consumer disputes properly, even leading to legal action for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a thorough reinvestigation of disputed items within 30 days. Any inaccurate, incomplete, or unverifiable information must be removed. 

I am disputing the following items that should have already been resolved : XXXX XXXX XXXX XXXX - XX/XX/year> I have provided supporting documentation multiple times, yet these errors remain. This failure to act is causing ongoing financial harm. I expect a proper investigation and resolution immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of inquiries I've never authorized. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX 3. XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX 4.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 6. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, RI XXXX 7. XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX All of these are on Experian, XXXX, and XXXX and I didn't authorize them.
Product: Credit reporting or other personal consumer reports

I was in the rate reduction program, I was told that my ability to continue the program had come to and end. I explained I was unable to make my payments. They explain that they could not Offer me the program and I could make my regular payment of XXXX + or I could pay the interest only which was XXXX. They later reported me to the credit bureaus as more than 60 days late in XXXX of XXXX, this was also during the time the president issued a protection against student loans under XXXX. After I was reported to my credit bureaus they then offered me the program that they originally told me was unavailable. I need them to remove this from my credit report as it is damaging and causing me further hardship financially. Please look into this for me. We already know they havent been the most forthcoming or honest with there borrowers
Product: Debt collection

I have not had XXXX in over 8-9 years, this collection agency has it listed on my credit file and it is over the statute of limitations and can not validate this. Please help
Product: Credit reporting or other personal consumer reports

Hard Inquiries on credit report XXXX and Equifax I did not authorize this company to run my credit report, this is fraudulent. 

XXXX XX/XX/XXXX institution Information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive disputed this old account for all 3 credit bureaus and only XXXX has removed it. XXXX removed it and then put it back, which made no sense.
Product: Checking or savings account

Should have received direct deposit of paycheck XX/XX/year>2025 still have not received it by middle of next day only communication i have received is a cheap copy pasted pr statement that promised resolution would come at a time that has already passed and does nothing to help when bills are due food is needed
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$6000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$2500.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This XXXX account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. Its paid off and should be removed from my report, its verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. 
Account Details : Creditor : XXXX XXXX Account Number :, Account ID # XXXX Date of Last Activity : XXXX XXXX Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. 
As per the Fair Credit Reporting Act ( FCRA ), I understand that the credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. 
I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. 
I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at [ XXXX XXXX XXXX  ] or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account from my credit report.
Product: Debt collection

This is still a dispute with the First National Bank of Omaha XXXX XXXX. A police report and FBI complaint are on filed for the fraud committed by this fraudulent company. 

XXXX XXXX XXXX do not owe First National Bank any money. It had all been paid off. Please stop First National Bank of Omaha XXXX XXXX from calling and sending notice on collection. 

This is a fraud scam that I fell on. It is a fraud company offering fraud employment. 
Its been more than six months and this dispute of identity theft and fraud had not been resolved. XXXX XXXX XXXX 's money was stolen and gifts cards was stolen after the bar code where given to them. Payments were reversed either by the bank or the crooks. XXXX XXXX XXXX did not give out any of her credit card account numbers. Therefore, its either a data breach or the credit card company inside jobs inducing debts on its customer with a ploy. 

This is a total fraud scam and a crime induced upon XXXX XXXX XXXX. XXXX XXXX Bank Fraud department can be investigated on the company account. 

That XXXX XXXX Account is not XXXX XXXX XXXX account. It is most probably a fraud account created by fraudulent scammer.
Product: Debt collection

XXXX, Transunion and XXXX XXXX XXXX, XXXX XXXX bank, XXXX XXXX Bank and XXXX XXXX have an failed to re-investigate my complaint in regards to all the incorrect errors, hard inquiries, and fail to report all payments made to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( DEBT RECOVERY SOLUTIONS, XXXX XXXX XXXX, RENT DEBT XXXX XXXX , ) willfully violating the FCRA. Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.
Product: Checking or savings account

My debit account is missing {$1500.00} I never withdrew this amount from my account. 
Bank of America informed me that someone attempted several times to check the balance from a XXXX XXXX ATM and then withdraw the money from Bank of America. 
I informed them that my debit card was in my possession at all times and that my pin was only in my memory, and I had never shared it with anyone. Also, I never pay for anything with my debit card and never enter my pin in front of anyone or caution I need your help as Bank of America is informing me that it could take up to 90 days to resolve this matter, and I can not afford to wait that long as I pay for my food with this money, especially because I am not responsible if someone compromised their ATMs, systems and information. 
On top of everything, we do not decide where to receive our XXXX payments as the only option is Bank of America, but they are not doing enough to protect our money and we count on this reduced income to pay for our necessities. 
Thank you.
Product: Vehicle loan or lease

I sent a {$1000.00} payment on a auto loan that was cashed and deposited by Honda Financial Services on XX/XX/XXXX. They did not credit me with the payment. I 've gotten a copy the cancelled check from my bank, XXXX XXXX. I faxed the copy to Honda Financial and they told me they could not read the back so unless I was able to get a better copy of the check back they would not help me. XXXX XXXX, my bank tells me Honda Financial kept the copy of my original check. 

Their bank stamped the back of the check. It should be their problem to read their banks stamp. If they wanted to run a scam they could not credit all of their customers accounts, have their bank do a poor job stamping the back of all checks and force all of their customers to keep paying without crediting. What a scam. 

I feel Honda Financial Services has stolen {$1000.00} from me and maybe others.
Product: Mortgage

I applied for an FHA mortgage, I was pre-approved, put an offer in. The process was delayed due to him dealing with a drug overdose, and then he switched my loan from FHA to conventional without my knowledge, I never signed anything that said conventional. This caused a denial which caused me to lose the home that I was set to purchase, I lost money on the earnest money deposit, inspection, the rush appraisal. Had to order a rush appraisal because he failed to order the appraisal within 72 hours as the contract stated he was required to. He failed to communicate after numerous attempts, verbally told me I was approved and everything was fine, within XXXX minutes of hanging up the phone he sent me a denial, after I paid for the rush appraisal based on his conversation telling me that I was approved and we needed the appraisal. 

I have since spoken to another lender who has gotten her underwriters to check everything and I should be fine to purchase a home for the same price under FHA instead of conventional which is what my original loan terms were with this lender. I don't know why he changed my loan to conventional, especially without my permission. And then he tried to tell me that it had been conventional from the beginning but I have documents showing it was FHA.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 reporting, credit repair services, or other personal consumer reports

I RECENTLY ORDERED COPIES OF MY CREDIT REPORTS AND DISCOVERED NUMEROUS ACCOUNT INQURIES THAT DID NOT BELONG TO ME, WHICH MEANS I AM NOT THE ONE WHO OPENED OR AUTHORIZED ANYONE ELSE TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. 

CREDITOR INQURIES DATE OF INQURY XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I dont remember the exact dates but it was a few years ago that I was constantly having transactions held for days before being taken action upon, once I was paid the transactions would come through a few days later and I would check my account and see that I am over draft!
Product: Credit reporting or other personal consumer reports

All transactions and charges on these accounts are completely fraudulent. I did not authorize or benefit from any of them, and they were made without my consent. These unauthorized charges are negatively impacting my credit report and damaging my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY FAILED TO RESPOND AND IS CURRENTLY IN DEFAULT AFTER BEING PUT ON NOTICE Consumer did not respond to AFFIDAVIT AND DECLARATION OF NEGATIVE AVERMENT and MEMORANDUM IN SUPPORT OF PRIVATE ADMISTRATIVE PROCESS AKA ; CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM ( CAFV ) with NOTICE OF ADMISTRATIVE REMEDY POINTS AND AUTHORITIES. Non-negotiable Private between the parties AND SILENCE IS ACQUIESCENCE NOTICE. 

On XX/XX/2020, Consumer sent XXXX XXXX, XXXXuthorized Agent for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a CONDITIONAL ACCEPTANCE FOR VALUE ( CAFV ) PRIVATE INDEPENDENT ADMISTRATIVE PROCESS along with Proof of Claims, CAVEAT, NOTICE : ARTICLE VI U.S. CONSTITUTION, Certificate of Mailing under 37 CFR 1.8. with no response. 

On XX/XX/2020 a Notice of Fault and Opportunity to Cure and Contest Acceptance was sent with no response. 

On XX/XX/2020, a NOTICE OF DEFAULT AND RES JUDICATA was sent with no response. 

An invoice fee and notice of fee schedule and Final True Bill of Accounting was also sent with Copyright, trademark, trade name violation : 1. Usage of XXXX, XXXX or XXXX XXXX, XXXX, XXXX including all derivatives, spellings, and upper-case lower-case combinations and renderings of the trademark and trade name without express written consent {>= $1,000,000} Acceptance of Presentments ( without contract ) 2. Unauthorized Citations {$10000.00} 3. Warnings Issued on Paper {$10000.00} 4. Mental Anguish {$10000.00} 5. Trespassing {$25000.00} 6. Summons, Court Notices ( without contract ) {$10000.00} 7. All other related items, fees, or offers {$10000.00} 8. Punitive Damages {$10000.00} Depositions, Interrogation ( unsolicited ) 9. Name {$10000.00} 10. Drivers License Number {$10000.00} 11. Social Security Number {$50000.00} Obstruction of Travel, Property Search, Trespass, Theft, Carjacking, Interference with Commerce 12. Taking/Theft/Deprivation of Property {$10000.00} per day ( as of XX/XX/2020 ) Signature, Endorsement, Autograph ( SEA ) 13. Autograph under threat, duress, or coercion {>= $1,000,000} Company is in violation of many FCRA violations and continues to reported incorrect and outdated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to TransUnion numerous times since XX/XX/2021 that someone fraudulently applied for a credit card in my name through XXXX. TransUnion always validated the debt, which resulted me conducting my own investigating. I was desperate, because I was in the process of buying a home, but the underwriters stated I had to resolved my issue with TransUnion. I contacted XXXX and they stated they contacted TransUnion and followed up with a letter. I sent that letter from XXXX to TransUnion and TransUnion, I sent a letter to XXXX rebuking them on their process and they sent another stating they are unable to find evidence that the trade line display with TransUnion. After receiving this letter, the first thing I did was go to XXXXXXXX XXXX XXXX  to try to pull my TransUnion Credit report again. Although I was able to use this website to do this before, when I try to pull it for TransUnion, it tells me it cant confirm my identity. So I am not able to get the free credit report that I am entitled to by federal regulation, and which I absolutely need to access as apparently TransUnion is going to send me letters that lie and say that information has been validated, so I need to check this almost on a monthly basis to make sure that TransUnion is not incorrectly adding things to my credit report. Next I went to the TransUnion site to try to get a credit report. Apparently there is no way to do this without paying $ XXXX. I already had an account but forgot my password, and the code for forgetting your password is broken so it creates and infinite loop where it just keeps asking for your social security number ad infinitum. I went through credit karma to retrieve my TransUnion Report. I can conclude that TransUnion took my letters as frivolous and did not take my complaint serious.
Product: Debt collection

Smith Rouchon & Associates texted me on XXXX XXXX XXXX  about debt and I asked for documentation, they turned around the next day and called my job hour for garnishment. My job said that they would have to take XXXX XXXX of my income or call them. I called them and said I asked for documentation and didn't receive anything. The lady was rude and told me that I would have to pay, make a payment, or go to court. I ended up giving my credit card information because I didn't want them to take 25 % of my income. I don't know of any debt nor received anything. They say that it is a few companies, but then I have a message saying that I have a lower amount than stated. I have the text that says to mail me information because I am a XXXX. That is unprofessional to text and spam. After reading about this company, this is known to be a rude company and doesn't supply documentation.
Product: Credit card or prepaid card

I contacted this bank who took over for JC Penney. I had my credit card balance placed into a collections company to pay off since I did not trust the bank to make anymore errors for purchases they charge which were not mine. I paid this off and am now questioning purchases and demand reimbursementd for those purchases I did not buy.. 
I have spoken to several people including a woman who works for the Office of the President and she just asked me to call others who were absolutely no assistance to me. I also contacted the XXXX
Product: Credit reporting

XXXX Bank account was charged off. Account was paid in full to XXXX. I spoke with XXXX Bank XXXX, rep id XXXX, in XXXX at XXXX on XX/XX/2016. I asked XXXX why XXXX Bank was still reporting this item as a charge off when it was paid and should either be deleted or listed as closed or paid in full. XXXX referred me to XXXX and advised that he did not have information regarding the charge off and I would have to contact them. It should be noted that I have proof that the payment was made to XXXX, and still maintain proper receipt with confirmation number as well as the account number in question listed on the actual receipt, which I have attached to this complaint. 

I am concerned with this as I know for a fact that I rectified this account and XXXX Bank still continues to list this item as a charge off. This is affecting my good credit record and continues to affect my credit rating. 

Any assistance in this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Experion said that XXXXXXXX XXXX reported that I was 30 days past due on an account. I contacted XXXX and was told I am currant and was on Auto pay. I contacted Experion 3 different times and each time was told they contacted XXXX they said I was pass due. I contacted XXXXXXXX XXXX and filed a dispute but today they said they have no record of it. I tried to contact their corporate office but could not get past their automated system. Experion has reduced my credit score by XXXX points.