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

My car contract is with XXXX XXXX XXXXXX/XX/XXXX. I have paid my car payments every month. 
XXXX XXXX  continuously since XX/XX/XXXX fails miserably and refuses to post my monthly car payments on all credit bureaus and correct balance. 
XXXX XXXX continuously posts false information about my account to all XXXX credit bureaus to lower my score. 
XXXX  XXXX continuously posts false information and changes name to XXXX XXXX XXXX, old name in XXXX on XXXX. 
XXXX XXXXXXXX is overcharging me monthly interest and I want a recalculation. 
XXXX XXXX is not increasing my credit score but DESTROYING my credit score with FRAUDULENT business practices. 
XXXX XXXX has violated FCRA, 5 USCode 706, and ARS 44-1521 et seq., AZ Consumer Fraud Act.
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach. My information was sold to different companies. So many unauthorized inquiries on my credit. Repeat creditors on my credit. Cards that I have never in my life had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, has used my name and written insurance claim checks in my name but with the incorrect birthday ( the year is not correct ) on XXXX different claim policies. 

XXXX {$10000.00} XXXX {$3700.00} XXXX {$6000.00} The information was used at an address I do not dwell in and is hindering me from getting homeowners insurance for my home i just purchased XX/XX/2022. When I called for assistance in getting this information corrected the company could not help because I did not know the security questions that the individual has used. 
I want Wells Fargo Bank XXXX to be notified too because they are the Mortgagee company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 This company did not send me a debt validation letter or any letter of any sort about this debt. According to the law, this company is to send a letter and give me 30 days to respond or dispute and this should be removed immediately. This has caused a drop in my credit score. 
Fraudulent charges were made to this account. The original creditor is XXXX. I have bank statements showing XXXX refunding me money back for charges in the past and has refused to take the charges off and sold the debt. This should not be on my creditor report.
Product: Student loan

On XXXX XXXX, 2016, I enrolled in the services provided by XXXX XXXX XXXX. XXXX XXXX XXXX offers service against debt collectors. After contact was made with the debt collector ECMC on XXXX/XXXX/2016 by XXXX XXXX XXXX, the process began. ECMC sent to me what is labeled as " Validation of Debt '' on XXXX XXXX, 2016. I then forward the " Validation of Debt '' documents to XXXX XXXX XXXX the next day, XXXX XXXX, 2016. 
In the process of validating a debt, there are certain things that are to take place : 1. You must get written proof that your account has been sold or assigned to the CA 2. You 'll also get a copy of your current account payment history. This will help you verify the total amount you owe, including any fees being added to your debt. You should also find out how the CA has calculated these extra fees. 
3. A copy of the original contact. This is intended to prove to you that you agreed to the debt. If they do not provide you with a copy of the original agreement, the CA may also provide you with the account statements from the original creditor. 
If they validate the debt, the collector is required to send a copy of your agreement with the original creditor. This was not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint due to bankruptcy showing on my Equifax report, the bankruptcy was XXXX I want to know when it will be removed. Rather than answer the question Equifax sent me a copy of my credit report. 

I want an answer as to when this bankruptcy will be removed from my Equifax credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not file this ch XXXX bankruptcy, nor are these medical bills mine. There are addresses and names listed that I do not recognize. Someone must have my information. Please remove it from my credit profile.
Product: Checking or savings account

I received a debit card from Capital One to my home address for a " 360 Checking '' account that I did not open or consent to. 
I called them immediately to have them close the account and block any further use of my name address and any other information with their company, which they did. 
I checked all my credit burau reports and there wasn't anything remarkable or unknown to me on them. 
This seems like Capital one is opening accounts fraudulently to pump up sales quotas again. 
Worth a look into so that these criminal practices can be stopped.
Product: Mortgage

I took a forbearance for Covid XXXX XXXX & XX/XX/XXXX and have recently come out of a XXXX XXXX Bkruptcy in XX/XX/XXXX. Although I restructured with most of my Creditors, my Mortgage to Fay Servicing was the only one I continually paid. I have over 36 separate pages of payment history where it is withdrawn via ACH every two weeks that I am paid since prior to the Pandemic. 

I have been religious in regard to making these payments due to the fact I have owned my home OVER a decade + some years and I have a TON of equity. Their egregious behavior in not accurately applying my payments and furthermore demanding payments that are not due is Absurd to the point of borderline Criminal. 

I feel as they are attempting to Force me out and I can get NO ANSWERS. I have requested a pay history from them proving I am behind and once more nothing. 

I NEED HELP!
Product: Checking or savings account

On XX/XX/23 I didn't know that a creditor placed a legal freeze and hold on both of my checking accounts and my daughter XXXX XXXX highschooler checking account. All of my money was taken and my daughter had nearly {$600.00} taken from hers. We could not pay bills, get gas, get food, pay our car notes, car insurance, and other things. My daughter is innocent and did not owe that old debt from XXXX XXXX XXXX, XXXX. The bank refused to give her back her money. This is not fair. I could mlnot pay for my XXXX and XXXX medication. My daughter needs her momey back! Bank of America did not notify us about a legal freeze ahead of time. A letter was posted to both of our accounts the day after the freeze on XXXX. My daughter worked for her wages and should get her wages back to her account. Bank og America sees her paycheck from.XXXX  XXXX that is direct deposited to her account.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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 : Account Name XXXXXXXX XXXX  XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX has no late payments/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 an account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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

XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} XXXX XXXX : {$600.00} XXXX XXXX XXXX : {$650.00} XXXX XXXX XXXX : {$830.00} XXXX XXXX XXXX : {$1900.00} XXXXXXXX XXXX : {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.
Product: Credit reporting or other personal consumer reports

Please send an updated credit report with my corrected address at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Since XX/XX/year>, Equifax has not updated my file despite multiple submissions of my ID, utility bill, SSN card, CFPB complaints, and FTC reports. Additionally, please remove the disputed negative account as it inaccurately reflects my credit information.
Product: Debt collection

On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help from a friend of mine, he recommended me to to start disputing the inaccurate information, So I did. I started my journey of disputing the accounts that were not mine On/or about XX/XX/XXXX, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus several times. I recently went to file an Identity Theft Police Report just as the Credit Bureaus requested. Just a few days ago, I received a collection letter from TORRES CREDIT SERVICE collecting on an alleged debt with XXXX XXXX XXXX, I definitely do not recognize this debt, it has nothing to do with me.
Product: Debt collection

Received pre-recorded call at XXXX personal and work phones from XXXX stating that they would be freezing my bank account in the next XXXX hours. No specifics provided regarding source of alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started monitoring my credit report more closely using XXXX XXXX. On XX/XX/XXXX I noticed a collection on my XXXX report from a Company called " Midwest Recovery Systems, LLC '' for {$850.00} for a payday loan that was open XX/XX/XXXX. The original creditor 's name is " XXXX XXXX XXXX ''. On XX/XX/XXXX, I sent a certified letter to XXXX disputing this fraudulent account/collection. My dispute letter was received on XX/XX/XXXX. Today, XX/XX/XXXX marks my 30 day mark of waiting. I am currently waiting for XXXX to respond via mail. I have never applied for a payday loan. I have never heard of either company, as well. I was unemployed throughout the entire year of XXXX. I did not have a bank account either. This is a fraudulent collection on my account from a bogus company that stole my identity. Currently ( XX/XX/XXXX ), my XXXX report states that this collection is being disputed, but that is still not good enough for me. I decided to file a dispute with the CFPB, after reading many reviews of people filing a dispute with XXXX and still not getting a resolution. I have read thousands of reviews of other consumers stating that " Midwest Recovery Systems, LLC '' did the same to them. How is this company still able to do this without legal ramifications? I am ready to send a legal notice to Midwest Recovery Systems, LLC with the intention to sue, if this fraudulent collection is not removed from my account. I have never received a single communication from this company saying that I owe them, or that the collection was going on my credit report, which they have to give me a 30 days notice before that is done so I can dispute. They did not do this, because the company is practicing illegal credit reporting. So many laws have been broken. This is beyond criminal.
Product: Credit reporting or other personal consumer reports

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX and Experian I am writing to formally dispute the accuracy of a late payment reported on my credit account with XXXX XXXX XXXX XXXX. According to my records, I have always made timely payments on this account, which were set up through automatic debit to ensure prompt and consistent payment. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information you report to credit bureaus. To validate this late payment claim, I request that you provide documentation demonstrating proof of transaction and showing that I was ever late. If you can not supply this documentation within the required XXXX timeframe, I request that this inaccurate late payment entry be deleted from my credit report as per FCRA requirements. 

Additionally, under 15 U.S. Code 1666b - Timing of Payments, it is stated that : A creditor may not treat a payment as late unless reasonable procedures have been adopted to ensure that periodic statements, including the required information, are delivered no later than XXXX  days before the payment due date. 
If a grace period is provided, additional finance charges may not be imposed unless the billing statement reflecting the finance charge basis is delivered at least XXXX  days before the payment due date. 
I request that you confirm that these requirements were met in this case and provide evidence to support your claim. If this can not be established, the late payment entry must be removed from my credit file. 

This inaccurate information has caused harm to my creditworthiness, and I demand this matter be resolved promptly. Please confirm in writing once the correction has been made. Should I not receive a satisfactory resolution, I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

To support my dispute, I have attached a copy of my XXXX credit report dated XX/XX/year>, which confirms that my account shows no negative information, late payments, derogatory marks, or delinquencies. This further demonstrates that the late payment claim on my account is inaccurate.
Product: Credit card

This account was closed at my request, I had paid the balance in full. 
There was residual Interest that I was unaware and was not told about, and discovered only thru my credit reporting agency. 
It was only {$3.00} I asked for them to not hurt my credit for only XXXX dollars but they still report late, after several disputes they still refuse to remove the 30 day late from my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

i recieved acopy of my credit report and y noticed severals accounts on my credit file that never applied for and never used needs to be removed from my account below are listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This information that is listed on my chexsystem report and reported from XXXX  XXXX XXXX and XXXX XXXX XXXX is inaccurate and fraudulent. My information was exposed in the XXXX data breach twice in XXXX and in XXXX, information exposed on the Dark Web and also in the fema data breach.Supported documents of my information being compromised is attached in this dispute below. My email address was hacked, social security, current and prior addresses, banking information, employer information, passwords and etc. My drivers license was also replaced/ reissued ( states at the bottom ) due to being loss and identity theft. My name was also used and spelled in different ways to obtain bank accounts online and other goods and is documented on file with the credit bureaus. A identity theft report was was submitted when this information was observed by the me the consumer. Disputes were submitted to the consumer bureaus and to chex system and related information was deleted from the credit bureaus from investigation. Monthly security alerts were also placed on all credit files and a freeze is currently on my chexsystem report.I am currently in the pending status of a settlement with XXXX  in reference of both data breaches. My information was compromised during a FEMA breach as well. I am requesting for the deletion immediately of all derogatory information and accounts that are associated with XXXX   XXXX XXXX on my chexsystem report. This is and was not done by my consent nor did I authorize it this fraudulent activity. The derogatory remarks and information has prevented me from opening any accounts due to this matter that was falsely reported with Chex System. I have received numerous of harassing calls as well stating I will be prosecuted and also a collection agency attempting contact via phone to collect funds not owed to them. I am in process of legal action. 1 ) Please provide physical in person debit/ credit card obtainment and proof of physical in person signatures. My information was compromised from a unknown individual and obtained from a family members mailbox. P
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thank You.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number # XXXX ( XXXX XXXX ) has violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : A creditor may not treat a payment under a credit card account under a open end consumer plan as late for a purpose.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. Some compromised my identity and using it for their personal gain..