23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A judgement was issued unjustly. I was never served with notice and was XXXX XXXX XXXX when the judgement was given. The amount asked is not what I paid for in the vehicle or reflecs any amount paid.
Product: Debt collection

Over the past several months I've attempted to resolve wrong/inaccurate identity theft related accounts with a company called Access Credit Management. I have reached out via direct mail with both the three major consumer reporting agencies and directly with Access Credit Management. I've included a copy of an identity theft report # XXXX, affidavits, and dispute letters. In addition Access Credit Management continues to violate the Fair Debt Collection  Practice Act and Fair Credit Reporting Act under Arkansas by attempting to collect on Medical Debt more than 2 years old. I also requested HIPPA release documentation which was never provided by Access Credit Management. Despite these several violations of my consumer rights, these fraud related/inaccurate accounts continue to appear on my credit reports. I find these actions unacceptable and Access Credit Management must be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, the inquiries below are fraudulent and do not belong to me and I did not authorize them. Please have them removed ASAP. 


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: Credit reporting or other personal consumer reports

I am writing to express my concern about the inaccurate personal information, including names, addresses, and employers, being reported on my credit report. As a consumer and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this issue infringes upon my rights. These errors have been present on my credit report for an extended period, despite my repeated requests for removal. 

On XX/XX/year>, I formally requested an updated copy of my credit report, reflecting the removal of the erroneous information. Unfortunately, I have yet to receive an updated report as of XX/XX/year>. This delay is not only worrying but also a potential violation of my consumer rights under federal law. 

The presence of inaccurate information on my credit report may negatively impact my financial standing and credibility. I kindly request that the CFPB look into this matter and help ensure that I receive an updated credit report that correctly reflects the removal of these inaccuracies. 

As a reminder, Section 611 of the Fair Credit Reporting Act ( FCRA ) allows consumers to dispute any information found on their credit report and requires credit reporting agencies to conduct a reasonable investigation within 30 days of the dispute. I am concerned that this timeline has not been met in my case. 

The Consumer Financial Protection Bureau plays a crucial role in protecting consumers and ensuring that financial institutions treat their customers fairly. I trust you will investigate my complaint and work diligently to provide a satisfactory resolution. I am available to answer any further questions or provide any additional information needed. 

Thank you for your attention to this matter and for your efforts in protecting the rights of consumers.
Product: Credit reporting or other personal consumer reports

Account XXXX : XXXX. The late payment in question is reported by XXXX XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my XXXX and XXXX accounts consolidated with XXXX. XXXX is still reporting loans in a negative manner instead of deleting from my reports as i no longer have loans with them. So now its showing as if i have XXXX different loans when i only have 2 none of which is with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

In XXXX XXXX I experienced a foreclosure in the state of Arizona. I had a XXXX/XXXX/XXXX. The XXXX lien was with XXXX XXXX XXXX and the XXXX lien with XXXX Bank. XXXX XXXX XXXX has reflected the foreclosure since XXXX. XXXX Bank was reporting the {$25000.00} XXXX lien as closed since XXXX XXXX ; however, it came to my attention that my DTI was extremely high. This was odd since I do n't carry balances on credit cards. I have been building my credit back up over the course of the past XXXX years and it was in the XXXX zone if not higher. I reviewed my credit report and XXXX Bank was reporting that I owed approximately {$24000.00} a month in monthly debt obligations. Absolutely not. I disputed this and they corrected it. But when they corrected it they claimed the charge off to be XXXX XXXX. I have already experienced the devastation of my credit in XXXX and XXXX. I am now being penalized again for the same event by XXXX Bank, but today, XXXX XXXX. I have called XXXX Bank and I get no where. Experian says their hands are tied. This is violation of FCRA and I am being penalized for the same thing that I have been rebuilding from. I just received a notification that my credit score, from being XXXX in XXXX is now a XXXX. I have 8 % DTI. I 'm seeking help. I have also inquired with a lawyer if I ca n't get this resolved. Please help me.
Product: Credit reporting or other personal consumer reports

There was a loan taken out in my name that I didnt do myself.
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A judgement was filed against me in XX/XX/XXXX & renewed again in XX/XX/XXXX. I was never served any kind of summons or any other forms of any kind. I didn't even know there was a judgement against me until my paycheck started being garnished in XX/XX/XXXX. So I had payroll send me the information they received on the Wage Garnishment. From there I went to the XXXX XXXX Superior Court & researched Assessing Records & found the judgement. So since I didn't know that I was being sued for a past debt dated back in XX/XX/XXXX. I didn't get a chance to respond & they entered a default judgement against me. Also my collection has changed hands so many times, In which all the companies are at the same address. I'm not even sure who has the contract now. Plus reading some of the paper work that has been filed with the Court. It has been stated Declaration Re : Unavailability of Original Contract. The original written agreement has been lost, stolen, or destroyed. Also I came across that Mid Valley Collections Bureau has a XXXX Suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a supplement to complaint # XXXX that was filed with the consumer financial protection bureau against TransUnion for reporting inquiries I never consented to or signed any agreements or authorizations for my credit to be pulled. A copy of my identity theft form from the Federal Trade Commission is included for review.
Product: Money transfer, virtual currency, or money service

On Tuesday X/X/2018 I made a {$5000.00} wire transfer to Coinbase, Inc. That wire transfer was a deposit to my personal coinbase account. The coinbase website states incoming wire transfers to take 1 business day to process funds to your account, which has been the case for previous wire transfer deposits made. 

I have sent emails to coinbase support, started a support case, and called multiple times, all resulting in the absolute worst costumer service I 've ever experienced. No one " has access '' to the information they need to answer my question, it needs to be escalated. I have had zero communication with anyone from this " escalation team ''. The money is not in my bank account, and not in my coinbase account. My bank has confirmed the coinbase XXXX XXXX has received the {$5000.00} wire the same day I sent it, X/X/2018. 

I have read so many other online complaints of people going through the same nightmarish circumstances.
Product: Credit reporting or other personal consumer reports

They have wrong address twice and they have wrong employment history
Product: Checking or savings account

On Wednesday, XX/XX/year>, I woke up to a notification of an ACH pending transfer of {$4900.00} on my account. I quickly called my dad in Oklahoma since I am currently stationed in XXXX for my XXXX XXXX tour and he is a joint owner on the account. He immediately called Navy Federal Credit Union and informed them of the fraudulent activity, he requested that they decline the unauthorized transaction and block the account in case they tried again. Without taking action to stop the transaction, they submitted a fraud claim to the Navy Federal Credit Union fraud investigation department. I called Navy Federal Customs Service to ensure that the claim was submitted properly and if needed to provide extra info ; but, they told me that the claim was indeed submitted and I had to wait for the investigation to conclude. They also told me to keep an eye out for an email for the investigation results. On Monday, XX/XX/year>, my dad called them again to check on the status of the claim to which they informed him that it was denied and that we will be responsible for the loss. They claimed they sent out a mail with that conclusion but they never did. My dad and I refreshed our emails constantly and even went to my spam but to no avail. My dad asked for another letter which they finally sent on Tuesday XX/XX/year> which was almost a month from when this happened. It was very disheartening and disappointing to conclude this investigation so fast and keep us in the dark that we had to struggle to get any sort of response or cooperation from Navy Federal Credit Union. I did not authorize the transaction and I believe Navy Federal Credit Union failed to protect my account privacy and security. As per Regulation E of the Electronic Fund Transfer Act, I am not liable for unauthorized transactions that I did not approve. Furthermore, Navy Federal was notified immediately the charge was seen and still pending but they didnt act because they didnt care enough and it wasnt their money. Please I am requesting help since I need this money for bills and had to rely on credit cards since.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have applied for a auto loan with State Farm Bank.

I currently have a auto loan with State Farm and the company denied the loan application because they are saying there is possible fraud in the past that is connected with XXXX XXXX. Then the agent agent asked me do I know XXXX XXXX. The agent said any car loans that I apply with through State Farm bank they will turn it down because my name, social security number is in the fraud department. I do not think this is right. My credit is credit worthiness and it is not legal for them to deny any loan that I apply for. I really feel bad that I am going through this situation currently. The company told me that they will never approve me for a loan, everything that I apply for will get denied, and I will not be able to get any banking loan approved no matter how well my credit is or how good my employment is.
Product: Credit reporting or other personal consumer reports

Reporting the a incorrect balance to XXXX XXXX and refused to correct the balance.
Product: Mortgage

I was told I needed to get my credit over a XXXX to proceed with a VA IRRRL and was advised to work with their credit repair team. I made some extra payments and requested an updated balance statement so that we could submit a credit score update. The work I did helped me get over the XXXX mark but when I was transferred to a new loan officer, he advised me that my credit needed to be over XXXX. I feel like I am a victim of a bait and switch, I did everything needed to get my credit over the mark and to change what I was told is very upsetting.
Product: Payday loan, title loan, or personal loan

Yesterday I received a phone call from XXXX stating that I owed {$790.00} from an online payday loan in 2017. They also called relative. On both of our voicemails they left a case number and a phone number to call. No name of the company. 

When I called the number left on the voicemail, XXXX, they said that my case was locked because someone was filing charges against me for breach of contract and a fraudulent bank related charge. They put me on hold for about 2 minutes so that they could request for the case to be made access to them and came back on the line. Then they said that they were indeed able to gain access. These two charges plus what I owe would then cost me {$1900.00}. Thats if I didnt pay right then. If I paid right then, over the phone, then it would be {$790.00}. 

They still could not give me a company name and would only told me what the company did which was to collect debt. I told them that Id be willing to pay if they could offer me something in writing before stating that if I paid, then Id be cleared. They said they couldnt do that. 

The company said that after I made the payment, then theyd be able to offer documentation. Im not sure if they were telling the truth, but demanding someone to pay money over the phone without anything in writing just doesnt seem ethical to me. Then theyd have my bank information and who knows if it was even for Ace cash express. 

Throughout the call they suggested that I would need to contact an attorney and at the end they told me good luck. I think that the whole call was an intimidation technique and thats not ethical.
Product: Mortgage

XX/XX/2018 I obtained a pre approval for a conventional mortgage on a new build home in XXXX WV. The pre approval was obtained at behest of the realtor who unbeknown to me was NOT licensed for real estate in West Virginia at the time. When I first called the Realtor her website and she stated she was licensed in Virginia and West Virginia. She referred me to McClean Mortgage to obtain a pre- approval. She did not at the time disclose that they shared office space and financial affiliation with this lender and lender representative by Name of XXXX XXXX. The weekend of XX/XX/2018 I met the realtor at a new home build that I requested to see. The realtor was XXXX XXXX. Ms. XXXX arrived with a gentleman she introduced as her husband. We met with Builders representative and went over details of home and build information. The Next day we again met with builders representative and when I was asked about financing the Realtors husband XXXX XXXX interrupted me as I was beginning to answer the question and informed the builders representative that I had already gotten approval for financing through another company. As this was first time I was building a home I was taken aback and was not sure how to respond. I felt a little railroaded. They would not allow me to speak with another lender and threw paperwork in front of me to sign immediately using their lender. Again this was happening very fast and I was taken off guard. I then spoke with the Lender Rep XXXX XXXX of McClean Mortgage and was I feel I was bullied into a RATE LOCK. It was not explained well and I made multiple attempts by phone and email to get more explanation but was told I had to send check for XXXX immediately to the realtor by certified mail the next day. I did this and then was told that 60 days that rate would be locked. This was last communication I had with the Lender McClean Mortgage and XXXX XXXX until XX/XX/2018 when I continued to complain by email as to when rate would be looked at and locked and received no answers. Again heard nothing until the builders representative and myself both attempted to reach the lender, XXXX at the end of XXXX and after multiple conversations found that the rate lock was never done and lender took my money and never monitored the rates as they are supposed to do. They then wanted additional money to extend the rate lock but the builders representative spoke to them and they backed off of that. Also We then got the loan disclosure statement which the numbers were way off many numerical mistakes were made and the transfer taxes were not listed either. She acknowledged the mistakes and tried to fix them but by now I was very uncomfortable with the lack of communication and mistakes made. The stress it caused was immense and not necessary. They could not even get right numbers on disclosure statements. I could no longer trust them so I went with a different lender. Emails and financial forms and text messages attached.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion shows two amounts due to XXXX XXXX XXXX, both from XXXX XXXX XXXX, one for {$67.00} and the other for {$84.00}. I believe these are duplicate charges. I have asked for these charges to be verified and have not received any answer.
Product: Payday loan, title loan, personal loan, or advance loan

I am a XXXX XXXX XXXX male still figuring out how loans and other financial endeavors operate. I decided to get a title loan to help my credit in which I had no idea how much interest they would charge me. It turns out the company I borrowed from ( XXXX ) charged me 99.9 % interest rate. I have been paying on this title loan for a year and yes I have paid the full amount already but I am still at the same amount I started with. Now I understand I signed the agreement but based on my research and XXXX  XXXX  regarding interest rates what they charged me is very illegal. I plan to discontinue paying on the title loan due to unfair business practices. I plan to file a lawsuit if we can not come to an agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following accounts on the credit report are incorrect.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$14.00} XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX apparently did 2 credit inquiries within 10 days. I purchased a car on the XXXX. The car dealer apparently pulled my credit on the XXXX, then again on the XXXX and again on the XXXX. I already secured financing on the XXXX, there was no reason to pull my credit multiple times after I made the purchase. I did not authorize any credit inquiries on any day, other than the XXXX. Both of these inquiries need to be removed from my Transunion credit report.