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

XXXX XXXX XXXX XXXX have been reporting false information on my credit profile, leading to a significant negative impact on my credit. To address this issue, I have gathered relevant documentation and reached out directly to XXXX XXXX XXXX XXXX to explain the situation and provide evidence of the inaccuracies. Additionally, I have filed disputes with the major credit bureaus, supplying them with the necessary documentation. I am closely monitoring my credit report to ensure that the false information is removed. If needed, I will seek legal assistance to protect my rights and rectify the situation.
Product: Mortgage

Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXXfrom any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, 729 F. 3d 1092 ( 8th Cir. XXXX ), cert. granted, 82 U.S.L.W. 3366 ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XXXX, therefore it did not exist to give me a loan in XXXX and did not give me a loan in XXXX.
4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check XXXX, ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non existing alleged loan has been liquidated on XXXXXX/XX/XXXX to unknown parties? see attached obtained from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX Balance Owed : {$0.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry. 

XXXX XXXX XXXX Balance Owed : {$280.00} - I would say the account position that is presently confirming on my credit information has a severely unpleasant impact on my capacity to acquire approval to get a current loan inquiry, I highly recommend you provide verification that this has been documented suitably in accordance with the Fair Credit Reporting Act directives, this is a crucial matter to mis-report. My proper demands have to be examined as soon as possible. If you're unable to confirm this information as being 100 % correct please make sure you remove this instantly. 

XXXX XXXX XXXX Balance Owed : {$83.00} - Your records are revealing conflicting and incorrect information compared to other bureaus
Product: Credit reporting or other personal consumer reports

I have been trying for over a year to get Equifax to remove items from my credit file due to the fact that I am a victim of XXXX XXXX. What makes the denial of the request even more alarming is that I am already considered a XXXX victim in their system because they have already accepted my request in the past. I just want the items removed so I can finally move on with my life. Also, the tone in which XXXX speaks to people is disgusting, I am a XXXX victim, and the last thing I need is someone who has never been a victim of this trying to talk down on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting me as authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Approximately 2 weeks ago I contacted XXXX XXXX to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with XXXX, XXXX, and Experian. I have yet to receive any response from XXXX XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX ) did violate Family Educational Rights and Privacy Act ( FERPA ) and Privacy Act of 1974 and 5 U.S. Code 552a for the school was never authorized to share my consumer nonpublic personal information with anyone, however, did share my consumer nonpublic personal information with a student loan company.
Product: Payday loan, title loan, or personal loan

My payments come out biweekly on the XXXX and the XXXX of the month in the amount of {$50.00} by ACH withdrawal. On XX/XX/XXXX, I accessed their website and my account and paid the XX/XX/XXXX payment via ACH that day. The XXXX  payment cleared my bank on XX/XX/XXXX. However, another ACH debit in the amount of {$50.00} was taken out of my bank account again on XX/XX/XXXX. When I called the company, they stated it was because it takes 3 to 10 business days for payments to clear, so they also took out the prescheduled payment of the XXXX also. They then said that once the payment on the XXXX clears, it will be applied to the XX/XX/XXXX payment and the one they withdrew on the XXXX would be applied to the payment due on XX/XX/XXXX. I repeatedly told them they did a 2nd withdraw from my account without my permission and demanded they stop the withdraw or refund my money. They repeatedly told me they had no way to do either and that the 2nd payment would be applied to the XX/XX/XXXX payment date. I talked to 4 reps and got conflicting information. They tried to backtrack when I threatened them with legal action and said that they could consider the payment on the XXXX as an extra payment ... even though they admitted to withdrawing the same payment 2 times. The last rep I talked to said that they could indeed refund one of those payments but not until they both cleared. If the 2nd withdrawn on the XXXX will not clear for 3 to 10 business days, what is the guarantee that the same thing will not happen on the XXXX? I advised that since they did not offer a solution and they repeatedly gave conflicting information, that I would be contacting all agencies that regulate their business and pursuing legal action. I have screenshots of the last 2 conversations as the 1st two were by phone. However, Acima does advise that they are recording their calls. I have now had to put a stop payment on my account that cost me {$30.00} and have an overdrafted account.
Product: Credit reporting or other personal consumer reports

On XXXX I received emails from U S. DEPT OF EDUCATION informing me that my XXXX XXXX CASES HAVE BEEN APPROVED. XXXX XXXX XXXX case lawsuit. Pursuant to the XXXX settlement the DEPARTMENT OF EDUCATION are to discharge all federal student loans. On XX/XX/2023 I received a letter directly from XXXX XXXX SERVICES VERIFYING THAT THEY HAVE 100 % XXXX MY LOANS. MY ACCOUNT XXXX  IS XXXX. 
PLEASE CALL XXXX. 
VERIFY THE ABOVE INFORMATION AND FOLLOW THE LAW AND DELETE ALL STUDENT LOANS FROM MY CREDIT FILE
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$17000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

DO NOT USE TRAVEL THROUGH CHASE Nothing but a headache and frustration XX/XX/17 XXXX noticed a travel through chase option and tried it for the first time. Chase customer for over 10 years. Booked flight to XXXX with reservation number for XXXX $ outbound and XXXX $ inbound. 

XXXX XXXX XXXX cancelled the flight I chose and rebooked it to another flight without consulting me. Unfortunately it did not work with my schedule. Contacted XXXX XXXX for a refund or credit but was directed to chase since I booked it through Chase. XXXX XXXX could not help. I called chase and had to speak with multiple people until I could get credit for XXXX XXXX. It was unnecessary of the number of phone transfer and agents telling me I couldn't get a credit until one finally helped. 

XXXX Trying to rebook flight to XXXX XXXX Since the flight was purchased through chase I have to go through chase travel again to use my credit. In order to book the flight, I had to do it through a virtual chat assistance. At the end there was a XXXX $ difference and was asked to pay in order to book the flight. When the transaction went through my credit card the virtual assistant stated I needed to call chase regarding my situation. The flight was not booked yet I have a XXXX $ charge pending on my credit card. I called the number given and spoke to person # 1. Person # 1 stated that she could not do anything after asking me for my name, date of birth, zip code, and credit card number for verification. I asked person # 1 to transfer to a manager. Manager connection was lost on the phone, there was silence and no response after giving her my verification information. I was re-routed to person # 2 who also asked me for verification. However, this person asked for my social security number. I told him I did not want to give that and i can provide other verification. He continued to state that was the only verification allowed and sent back to the holding line. The automated message stated it was a 10 minute wait for the next representative. I have not received an email yet and it has at least been 30 minutes since booking the new flight through Chase ; however in my " trips '' under travel with chase it does show a booking for outbound to XXXX with a confirmation number. 

This is the worst " reward program '' /chase benefit that makes me not want to be a chase customer.
Product: Credit card or prepaid card

My ex-husband, XXXX XXXX XXXX, used my social security number to gain access to my account, changed my mailing addresses twice and sent duplicate AMEX platinum cards to his home address and business address without my consent or knowledge. I have attempted to file USPIS reports, police reports, FBI reports and contacted AMEX repeatedly to try and recover the cards he had mailed to himself in my name. the cards are still missing and presumably in his possession. 

I need assistance getting the police to act on this identity theft and if they can not help, the FBI should be involved as the police have told me to file FTC, FCC and IC3 reports about this matter, which I have done. 

He has used my personal information to change over multiple credit card and financial accounts and changed my billing and mailing addresses to addresses in his control as the only adult living there. I am unable to lock him out of my accounts as he is claiming he is my spouse and attacking my accounts online and over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accessed the credit bureaus online to file a dispute on inaccurate personal information and inquiries. Was able to create an online account however I was unable to get pass the identity validation questions. I answered the questions with the answers that I know to be correct however I received an internal error message- the information can not be verified. Obviously the bureaus have incorrect information reporting for me which in turn make it impossible for me dispute the info- which is the whole reason I am trying to gain access to the reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge, I have not signed any documents authorizing these organization to view my credit history therefore, these inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my profound disappointment and frustration with the lack of action taken by XXXX, XXXX, and equifax on my previous dispute letter dated XX/XX/XXXX. It is with great dismay that I must inform you that the disputed accounts listed in my initial letter have not been DELETED from my credit report, despite my explicit and unequivocal assertion that these accounts do not belong to me. 
Account Name Account number XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX  XXXX Not mine XXXX ) XXXXXXXX XXXX XXXX  XXXX Not mine XXXX ) XXXX XXXX XXXX *** Not mine XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXX  XXXX XXXX XXXX XXXX Not mine XXXX ) XXXX  XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX XXXX Not mine I received a letter stating that this account were verified and I insist that XXXX, Equifax, and XXXX provide me , within 30 days, with the following documentation, as required by law : 1. Copies of the contracts or agreements bearing my signature for each account listed on my credit report.

2. All supporting documentation or evidence linking me to these disputed accounts.

3. detailed account history, including a record of payments, charges, and any other relevant transactions.

4. Charge-Off Documentation that supports the charge-off status of the account.

5. Chain of Ownership, If the account has been sold or transferred to a collections agency, provide me documentation that establishes the chain of ownership.

6. Date of Last Activity 7. Proof of Reporting Compliance.

I would like to receive this information here, so the CFPB can see it and have as a record and also by mail to XXXX XXXX XXXX, XXXX XXXX NY XXXX. If this information can not be provided those incorrect accounts should be DELETED from my file as soon as possible.
Product: Debt collection

The collection company is Transworld Systems Inc In attempting to collect a tollbooth debt which I already paid when I went though the tollbooth with my XXXX, they accidentally sent me a bill/documentation for someone elses debt. I was shocked. I got a copy of this persons medical bill, their name, and their address, not to mention medial information about them. Its a total breach of this persons confidentiality and that is why I am filing this complaint. Totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

tHE CFPB is allowing Experian, XXXX and XXXX run them and they are currently negligently and willfully violating the Fair Credit Reporting Act ( CRA XXXX by not deleting a court-ordered- dismissal off my 3- Reporting Credit Agencies and updating my score. 
As I understand it, the statutory reinvestigation procedure for CRAs provides in relevant part : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
REQUESTING : REMOVAL OF CREDITOR from EXPERIAN, XXXX XXXX XXXX from my reports and UPDATE Score EVIDENCE : COURT ORDERED DISMISSAL ( attached ) I, XXXX XXXX request cfpb and credit agencies abide by XXXXs request to NON-SUIT/DISMISS this case- Please remove XXXX from my file IMMEDIATELY. 
The case XXXX has against me ( saying I owed them ), has been non-suited by XXXX and completely DISMISSED by a Court of Law ( at the request of XXXX XXXX. Experian, XXXX and XXXX did not and could not have verified anything as it was the creditor XXXX XXXX XXXX who Non-Suited this case to begin with and asked courts to dismiss- This case against me was DISMISSED!!. 
I request this false, negative information be immediately DELETED from my report and my score updated ; as this negative information is affecting my business, my general welfare, and FICO score. 
Moreover, I am aware the CRA must promptly notify the data furnisher of any disputed information, and the CRAs notice to the furnisher must include all relevant information regarding the dispute that the CRA has received ( See previous cases ) In conducting your reinvestigation, I suggest you follow the CRA policies and consider and review all relevant information submitted by the consumer. Id. 1681i ( a ) ( 4 ). Moreover, information in a consumers file ( MY FILE ) which is found to be inaccurate must be promptly deleted or modified, and the CRA must notify the furnisher of the information. Id. 1681i ( a ) ( 5 ). 
Please DELETE XXXX from my Experian, XXXX and XXXX reports immediately and UPDATE my credit File/Score. 

If XXXX wants to re-address this alleged debt, they can re-sue me but for now this case lawfully needs to be removed completely off my credit reports and my score updatedPER the LAW ... 
Respectfully, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/1971 SS # XXXX
Product: Checking or savings account

I have a XXXX Account with Optum XXXX. I submitted a claim for reimbursement on XX/XX/2022. On XX/XX/2022, payment in the amount of {$420.00} was issued as a check. But the check was send to my old address and I never received the check. On XX/XX/2022, I contacted Optum XXXX and I was told that the check has been cancelled and an ACH has been issued. On XX/XX/2022, I contacted Optum XXXX again and I was told that since the ACH has been issued, there is nothing Optumn XXXX can do in this regard. When I login to my XXXX account, I can clearly see that there is no bank account associated with the ACH that issued. Although, there is a bank account saved on my account and hundreds of reimbursements have been issued to my account over the years. I need Optum XXXX to take responsibility of issue and resolve this matter. 

Below is the transaction details from the Optum XXXX website : SERVICE INFORMATION TOTAL CLAIM AMOUNT {$420.00} APPROVED AMOUNT {$420.00} PAID AMOUNT {$420.00} NOT YET PAID {$0.00} STATUS Paid VENDOR / PROVIDER XXXX XXXX XXXX TYPE Optometrist Services SERVICE FOR XXXX XXXX DATE OF SERVICE XX/XX/2022 SUBMIT DATE XX/XX/2022 XXXXE Reimbursement Request ACCOUNT ( XXXX ) PAID FROM XXXX {$420.00} PAY TO BANK NAME ACCOUNT NUMBER ACCOUNT TYPE CHECK SENT TO XXXX XXXX PAYMENT DETAILS ACH # XXXX PAYMENT SENT XX/XX/2022 PAYMENT CLEARED AMOUNT {$420.00} CHECK # XXXX PAYMENT SENT XX/XX/2022 PAYMENT CLEARED AMOUNT {$420.00}
Product: Debt collection

ive called many times to the apartment complex to get answers about the debt. i kept getting wrong numbers that was handling the case. no one in the rental office wanted to assist me in this matter. The name of apartment back then was XXXX XXXX.. the complex now name has been change 3 times since calling about this matter.
Product: Checking or savings account

Navy XXXX  will charge me XXXX after making a per XXXX  and funds was and account I been charged over XXXX in overdraft fees from my personal and business account
Product: Credit reporting or other personal consumer reports

I wrote a letter to Transunion and XXXX having it notorized and sent certified on XX/XX/2023. I have been monitoring my credit alerts and scores and mail and have NOT received any response from neither the creditors nor Transunion XXXX. One of the biggest discrepancies show XXXXXXXX XXXX showing 2 different accounts with a third showing the XXXX separate accounts combined and that I supposedly owe money owing there as well, so basically XXXXXXXX XXXX  is charging me 3 times very inconsistent and incorrect. I disputed everything on my credit report bc that discrepancy being to great as it is is too big of a mistake and therefore makes and made me question the validity of the entire credit report. Ultimately I got no answer on any of it. Please help I do and will be sending copies of the written letter which is legible as well. I want these items all removed as a timely response of XXXX calendar days was not met on the end of creditor nor on the end of Transunion XXXX Thank you
Product: Debt collection

There's an open account balance with XXXX  that doesn't belong to me. I was not aware I was in collections and its really affecting my credit. I try to resolve it with the debt collector to remove it but they didnt agreed.
Product: Debt collection

Westlake financial will call 2 to 6 times daily under different numbers and caller ID in an attempt to get me to pay when i am behind. Even when i have a payment arrangement they will still call up to 6 times a day 7 days a week. If i block numbers they will call from a complete new set of numbers under different names : XXXX, XXXX XXXX, XXXX, etc. They have called me 3 times XXXX before XXXX : XXXX, just after XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/24 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, The week of XXXX through XXXX they called me XXXX times. 

the week before that XXXX times. 

It is so aggravating to try and work where most of my job is via phone calls yet they interrupt me all day.