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

Again, I was a victim of identity theft and this is another request to delete or remove the information from my credit file resulting from alleged identity theft. The credit Bureaus are required to remove/delete any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$890.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$79.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am unaware of the details of this account on my credit report Per FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services.

This is a breach of contract and an adverse action for exercising my rights.

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In a review of my credit report I have a hard inquiry from Discover, XXXX, DE. I have not applied for a discover card or any related to discover. I am working on my credit to keep my score down and noticed that this is the second time Discover, XXXX, DE has requested a hard inquiry. I was under the impression that only companies that I have given permission to run a credit report are allowed to access? It is a low impact on my overall credit, however, if I have not given permission how are they accessing? I had a discover card back in the XXXX, but that was paid off, how can they continue to request and why?
Product: Debt collection

They call all hours before XXXX after XXXX. Insurance did not pay as they should so paid debt in full both {$740.00} plus {$72.00}. It was paid on XX/XX/XXXX cleared on XX/XX/XXXX. Paid by credit card. I have proof. Called company and disputed with XXXX and XXXX
Product: Debt collection

I am requesting debt validation, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with XXXX, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly, and your neglect has violated my rights. I am demanding deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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, 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: Student loan

Credit report showing account is delinquent 90 days Electronic payments made {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$75.00} XX/XX/XXXX, {$75.00} XX/XX/XXXX, and {$75.00} XX/XX/XXXX.
Product: Debt collection

On XXXX Presolve collections placed a collection on my XXXX  credit file. Upon further investigation, this account was transferred or sold and i am no longer responsible for this account. Presolve Collections has failed to verify this account, since my initial dispute in XXXX of XXXX. Also there was no written form of communication, contract or signature for this accused debt at all.A bill without a signature does not validate the debt in any way, shape or form. Anybody can send a bill and say it belongs to me. According to the FCRA, Presolve Collections has violated my right as a consumer. Therefore, I am requesting legal action to remove this negative item from my credit report immediately.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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 XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Back in XXXX, I purchased an airline ticket to XXXX ; the airline later went out of business without giving us back a refund, I contacted Citibank immediately informing them and requesting money back, they requested additional information provided me with a fax number where I could send thee documents I did, went on my trip. 
Upon returning I realized I haven't seen the credit so I contacted them only for them to say the wrong department number was given to me and they haven't received the documents. They provided me with said number. 
I asked for the now correct number which they give only for them to say after receiving the documents again that I am now outside of the time to file for a dispute {$1500.00} On XX/XX/XXXX, I purchased 2 tickets for XXXX my brother 's wedding stayed at XXXX XXXX XXXX. One room 3 adults, I should receive 2 beds, I received only one. 
They knew this at the front desk and assured me that this will be rectify shortly if not first thing in the morning. 

The morning came, I went back to the front desk they told me they are fully booked and didn't have any other room with two beds to move us to but will work on it before the end of the day. The end of the day came, nothing. 

The following morning is the wedding so I had no time to stop by the front desk. Suffice to say, at this point I'm still inside the room with one bed 3 adults. 

The place was infested with roaches, smelly carpet etc it was an awful experience and they mess up my vacation. 

I provided city with this information to city, they credited me at first then reverse the charge and now I'm stucked with a $ XXXX charge with ton high interest rate I'm not working and I'm a XXXX mom. I'm in distress.
Product: Credit card

I did not receive a XXXX statement and when I logged in I saw I was charged a late fee. I immediately paid the balance minus the late fee and asked for the agent to remove the late fee as a courtesy they only offered to reduce it but not remove it. Now they have charged me another late fee after I closed the account. I called again and asked if they would remove the late fee and they say they can not since it is a closed account but they will continue to charge me more fees.
Product: Payday loan, title loan, personal loan, or advance loan

Back in 2020 we filed XXXX XXXX XXXXXXXX & we asked to reaffirm our loan with USAA but they said no but could make payments. I have been making payments on my boat loan & since I have no access or any bills ever sent to me I called in XXXX or XXXX to ask if it was current or if needed to do anything & she told me she couldn't see anything & it was fine, nothing else needed from me. Then I started getting calls from some local # but they would not say where they worked. I googled the number last week & found out it was a repo company! I tried contacting them last week & they said I had to speak with the repo department but had no other details to give me. They close early so I was finally able to reach them today & they were no help. She claims they sent a letter to me in XXXX  that I never received as we would've paid it, we do not have money issues so would've paid that day. I read they were required to send a certified letter & this never happened. I work from home so I am always home to get anything. Now they are telling me since I did not respond to this letter I never got they charged it off & I have to pay {$23000.00} or they will not stop the repo. I do not have that kind of money. This has to be illegal? How can they do this without ever contacting us? We will not give them the boat as its worth way more than we owe them. I need answers on what we can legally do. Thank you for the help
Product: Checking or savings account

On XX/XX/2022 I was on my cable networks website which is XXXX XXXX. There was an offer of a free router upgrade. So I clicked on upgrade. 30 minutes later I received a message stating {$300.00} was withdrawn from my debit card. I proceeded to call Chime and file a dispute. Two hours later I received a message from Chime saying there was no error and I would not get the funds returned. I then called XXXX XXXX and explained the situation. They did not have any such amount withdrawn from my account by them. I've proceeded to go to the XXXX XXXX store to show them the withdrawals. The assistant manager at XXXX looked it over and also looked at my account and there were no withdrawals for the {$300.00} on record. He told me it was fraud. I would like to know where the money went? I've also filed a fraud complaint at XXXX
Product: Mortgage

I was turned down by Quicken Loans for my refinance through them, even though my debt to income ratio was fine, I agreed to take XXXX dollars less for my child support than my order says. Quicken loans said I had to go back to court and get a new order. Can they legally do that?. Also, when I said I was unwilling to do that they wouldn't refinance my loan, then turned me over to all 3 credit reporting bureaus told then that my loan through them was in deferral and that my student loan through them was in deferral. I don't have a student loan, nor do they even finance student loans I don't think. The have made my credit score go down and have delayed my refinancing through my bank, banner bank. Purely shameful way of trying to keep my business. And they not only checked my credit once, they checked it twice. They should be in some kind of serious trouble for the aggravation they have caused me. They need to make this right. They also sent me a letter telling me I was delinquent on my loan and they were going to start foreclosure. I have never been late, I always pay early and I generally pay extra.
Product: Debt collection

Filed previous dispute regarding unfair and unlawful business practices that violated my rights as a consumer. Conclusion of the collection agency per resolution letter on XXXX XXXX stated that file had been closed and collection actions were terminated and client being XXXX was aware I contacted XXXX as well and verified this to be true on Monday XXXX XXXX. I have been contacted in the past and present month by 2 collection agencies collecting the same debt with 2 different accounts numbers! I spoke to " ERC '' Enhanced Resource Center and spoke to XXXX XXXX in which I provided a copy of the letter. I spoke to them today in which they advised that this file would be sent to there office of the president. I also received a notification in writing from XXXX XXXX in which are using a different account number and I also have sent them a copy of the attached letter sent to me back in XXXX. I contacted XXXX XXXX XXXX today and spoke to XXXX XXXX at XXXX who seem to not acknowledge the letter that was sent to me informing that the file is closed and collection actions terminated. I have informed XXXX and advised legal matters will follow if this matter is not resolved! 
The Company that they hired previous XXXX XXXX violated my rights as a consumer, in which the file gets closed, collection action are terminated. Gets closed as a result of that and XXXX acknowledges and now they come back almost a year later and dismiss the agreement made. XXXX Recovery Supervisor has informed me as of today that they have sent the XXXX file that was closed on XX/XX/21 to 2 active collection agencies ERC and XXXX XXXX same amount different account numbers. Both agencies have been sent a copy of the letter dated XX/XX/21.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. I have contacted this company letting them know that there is several fraudulent accounts on my credit report. I also let them know that my personal information is incorrect. I spoke the representative XXXX ID # XXXX on XX/XX/year> and she is refusing to transfer me to a supervisor and also telling me that the fraudulent information cant be blocked from my account until the investigation is complete even though I submitted my ID, FTC report, bill and social security card. She is telling me that I did not submit all the information on XX/XX/year> but I have emails and screenshots showing that the documents were submitted successfully. This company is violating my rights, and have been doing so for years. They try to stall out my disputes in hope that I will get discouraged and give up. I asked to speak to a higher tier and she left me on hold for 20 mins then a guy came on the line and told me they dont block information. She also stated I submitted information by mail on XXXX of 2024 but could not provide me any details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted XXXX requests to remove all addresses from credit report that are old and not deliverable by postal mail per the fair credit reporting act. They have not removed my information despite the XXXX requests made to trans union and XXXX. They also have not removed inaccurate information pertaining to my name. 

I am also requesting an updated copy of my credit reports for my review as proof they have complied.
Product: Credit reporting or other personal consumer reports

My ex XXXX used my info to open a bunch of accounts that are not mine and are fraudulent. I know the CFPB recently sued the credit bureau for not properly investigating disputes and I think thats completely unacceptable. I need these fraudulent accounts removed from my credit.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I am getting my Credit Denied it is very embarrassing due to my personal statement XXXX XXXX alert on Credit file.experian has remove the XXXX XXXX fraud alert but XXXX XXXX XXXX and XXXX has not its getting embarrassed getting denied and dont know why Im getting denied if cfpb has a fraud alert please remove it i see under a statement is say action may required under cfpb before opening my phone number is also Placed on alert, no news was sent my way, No email or text reached out to say, Instant denial, now a 30-day wait, Before I can reapply, must accept this fate.
Product: Debt collection

XXXX XXXX XXXX {$11000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Money transfer, virtual currency, or money service

Initiated a dispute with PayPal which was initially refunded in the amount of {$39.00} ( Refunded XX/XX/XXXX ). Refund was for a cancelled subscription service that was cancelled under the free trial period and should not have been billed. Initial transaction was erroneously made on XX/XX/XXXX. 

Later, PayPal reversed their credit and placed the paypal account into a negative balance for the transaction amount ( XX/XX/XXXX ). In the course of this, PayPal limited the account and it is unable to be used before satisfying the negative balance that should not be present. 

PayPal 's assigned case number is Case ID : XXXX. PayPal credit mastercard was also billed on XX/XX/XXXX by the same merchant which has a cancelled account, a dispute has been initiated with the servicer of the PayPal Mastercard. 

PayPal has not responded to requests in an expedient manner. PayPal also ignored 2 other small claims ( amts of $ XXXXCAD and $ XXXXCAD ) that were made for items not being delivered.
Product: Credit reporting or other personal consumer reports

I sent in a complaint in regard to the debt collector XXXX reporting debt on my profiles that shouldn't have been reported. Equifax and XXXX have removed this debt due to not being able to validate the debt however, XXXX has kept the debt on my credit profile. 

Please read below the response from Equifax : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results is listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With my Equifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

Also, XXXX has deleted XXXX from my credit profile, please find attached a copy of the report that shows experian has removed these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to manage my security freeze with Equifax using their online portal, myEquifax. The myEquifax system generated an error when setting up my online profile in XX/XX/XXXX. When I attempt the account sign-up process again, I am told that I already have an existing account, and that I should attempt a password reset. The password reset function does not work. I have contacted myEquifax customer service by phone at XXXX on at least 6 occasions since XX/XX/XXXX and am repeatedly told that my case will be escalated, and that I can expect a response within 48 business hours. However, I have never received a callback or further correspondence, and this issue persists. Most recently, I contacted myEquifax customer service today, XX/XX/XXXX, and was told that customer service agents are currently unable to assist because of an ongoing " system update. '' This situation is unacceptable, and plainly violates my consumer rights under section 605A of the Fair Credit Reporting Act ( 15 USC 1681c1 ( i ) ( 6 ) ).
Product: Debt collection

I want your office to send my complaint number XXXX XXXX for Lending Point XXXX XXXX XX/XX/2023 because after I filed this complaint, LendingPoint keep calling and emailing me to pay {$2000.00} loan which's fake, I did not recognized and consented, they forged my signature ( I always signed my name with my middle initial ). 
False statements representation trying to collect money, I don't know and don't have loans with XXXX XXXX Bank and XXXX XXXX, I only have one loan with XXXX XXXX Mortgage for my house. You can check it with the Credit bureau. 
LendingPoint LLC reported me to the credit bureau and damaged my credit. 
On XXXX, 2023 I paid the {$2000.00} plus {$370.00} interest because they will accrue interest if I don't pay it now, this is a fraud, I want my money back. If you need more information please let me know. ( Please see attached copy of document I sent with my original complaint ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Acceptance Corp is incorrectly reporting that my auto loan was delinquent in XXXX, XXXX, and XXXX of 2020. However, actually, this account has never been past due. I have repeatedly asked Nissan to properly update my account history to show that my payments were not late in XXXX, XXXX, and XXXX of 2020 ; but they have yet to take action to make the correction.
Product: Credit reporting or other personal consumer reports

Transunion, has an inquiry on my credit report that I do not recognize ( XXXX XX/XX/year> ), I have sent several letters, I have called several times and they do not agree to delete the aforementioned inquiry that is affecting my score.
Product: Mortgage

I submitted a mortgage payment on XX/XX/XXXX The mortgage servicer kicked my payment back which by the time it came back it was XX/XX/XXXX and they reported the payment as 60 days late. The mortgage servicer conveyed to me that I did make the payment on the XXXX of XXXX. The system glitched and caused me to have the issue. 
I have requested numerous times for the mortgage servicer to rectify situation and they wont. Im very upset Ive tried to dispute through the credit bureau as well and the mortgage keeps giving Inaccurate information to the Credit bureau.