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

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 

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

I sent a letter to the credit bureaus more than 30 days ago and received no reply. I sent a follow up letter and received no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stoneleigh recovery associates put a hard inquiry that resulted in negative inquiry on my credit report and when I called they were rude as XXXX and wouldn't tell me what the supposed debt was but that the debt was purchased and that I owe them now for something they won't tell me what it is, and more importantly if I give them more information, it will be used against me..
Product: Debt collection

On XXXX XXXX, 2017, I sent a correspondence to the CBE Group for a verification that I owe on the debt they are reporting on my credit. Although I sent the letter, I have not received a verification or anything type of correspondence regarding this debt. I have no knowledge that the account was mine, and I demanded verification. It 's now almost 6 months later, and I have yet to receive any type of communication from The CBE Group.
Product: Credit card or prepaid card

need for them to mail me a copy of the transaction of a XXXX  XXXX XXXX  for XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint with XXXX XXXX XXXX XXXX about inaccurate reporting with my lease. Their response on XX/XX/XXXX was that they were going to remove all late payments for my account that was paid in full in regards to the lease payments. ( Please see the attached response ) XXXX XXXX has refused to do this instead they reported to the financial bureaus that I was late for XX/XX/XXXX and XX/XX/XXXX. Now, I am listed as XXXX days past due on my credit report. The lease was paid in full and I am in ligation for the end of term bill which XXXX XXXX stated I wouldn't be responsible for. However, that end of term bill has no bearing to my lease payments which were paid on time and in full which was acknowledged in their response. I sent a request to chase auto directly on XX/XX/XXXX after XXXX XXXX once again reported me lated in accurately. I spoke with XXXX agent number XXXX and Escalations supervisor XXXXXXXX XXXX XXXX XXXXXXXX. They both refused to provide me proof of payment history that my lease was paid in full. The kept saying it wasn't because of the end of term bill which has no basis on my lease payments which are reported to the credit bureaus monthly. This again against the fair credit reporting act, which says all information reported must be accurate and reflect correctly an account status. 

XXXX XXXX has violated their response issued to to the CFPB.
Product: Debt collection

I was a victim of identity theft in XX/XX/XXXX and XX/XX/XXXX. I was working with a company through XXXX. The company was named XXXX XXXX. They had an FBI agent come to our house and pick up packages we had not ordered and take information from us. XXXX XXXX told us to pay the amount on our credit cards that we owed and not pay the fraud charges. American Express said since we paid anything that means we are responsible for everything. XXXX XXXX said they had settled everything but would not send us any paperwork. Now American Express claims I owe {$21000.00}. Most of these charges were made out of state. My wife is XXXX and I am XXXX years old. We never travel anywhere. 
I have called XXXX XXXX several times. They are no longer associated with XXXX. They claim they do not keep any records. They will not help at all. 
In XX/XX/XXXX I spoke with the fraud department of American Express several times. Although they said they were looking into it, nothing was settled. 
I need help because I do not owe this money. I thought this had been settled 2 years ago. I have filed a police report
Product: Debt collection

To whom it XXXX concern, I recently received my credit report from Experian, XXXX, or XXXX, and I noticed some late payments listed under my consumer report. The account in question, XXXX XXXX XXXX acct XXXX, was previously owned by XXXX XXXX, which appears to be in violation of the law, specifically, 15 USC 1681b, which outlines the permissible purpose of consumer reports. According to the law : - Any consumer reporting agency may provide a consumer report only under certain circumstances, as defined by the law. 
- The law specifies that a consumer report can be provided " in accordance with the written instructions of the consumer to whom it relates. '' I would like to inquire whether I provided written instructions to include this account on my consumer report. Additionally, the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( 2 ) ( a ) ( 1 ), outlines exclusions from a consumer report. It states : - The term " consumer report '' does not include reports that contain information solely about transactions or experiences between the consumer and the entity making the report. 

Considering these legal provisions, I kindly request the removal of the late payment from my consumer report. Failure to respond satisfactorily by deleting the mentioned account and providing a free copy of my report after the necessary changes will leave me with no choice but to take legal action against your company. In such a scenario, I will also seek {$1000.00} per violation for the following : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Debt Collection Practices Act, 15 USC 1692 4. Violations of the Fair Credit Reporting Act, 15 USC 1681, for willful noncompliance, including liability for willful noncompliance under 15 U.S.C 1681n. 

This is me writing this information I have studied the consumer laws and I a consumer I know my legal rights. 

Best Regards,
Product: Mortgage

I submitted a complaint about Wells Fargo losing my paper work back in XXXX while trying to go through a remodification due to Covid it took my Filing a Complaint with the CFPB and calling Wells Fargo 3x week for 3 months to get anyone at Wells Fargo to help. It took till XXXX for someone at Wells Fargo Headquarters to admit someone made a coding error while filing my paper workback in XXXX and no one knew where my info was, now at the end of XXXX I receive my documents in the mail that need to be notarized ( which they have set up a company to come to me ) and sent back but now they expect a payment from me by XX/XX/XXXX. Documents are not even scheduled to be notarized till XX/XX/XXXX. Wells Fargo has made so many mistakes with this process that it is ridiculous. Expecting payment from me within 24hrs of documents being signed is not expectable. I would like help from the CFPB with my rights on this situation.
Product: Checking or savings account

On XX/XX/XXXX, at exactly XXXX pm, I used a Bank of America ATM at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX. The ATM ID number is XXXX. I attempted to deposit {$2800.00} cash into the ATM. It processed and said, " Is this amount correct? '' I clicked confirm, then it said " processing transaction ''. The circle spun for about XXXX minutes trying to process until the ATM said " Transaction canceled '', spit out my card, kept my money, then returned to the home screen as if nothing happened. I never got a receipt, and the money was never deposited into my account. I filed a claim with Bank of America and as of today, XX/XX/XXXX, they still have not issued me my money. They keep giving me the run around etc. That money is the rent money that I need for XX/XX/XXXX rent, along with other bills. I have a pregnant wife and baby on the way. We are a single-income family and I currently can not pay my bills. I do not have time to wait for Bank of America anymore and need assistance with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent. According to Section 604 of the FCRA, I would totally appreciate if you kindly provide me the permissible purpose, proof that I initiated these inquiries. In addition, written authorization for all inquiries listed on my credit report. If you have NO PROOF, please delete these inquiries immediately. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide a permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 
XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have check my credit report and I have tried to call these companies to get these inquiries off of my credit report. I did not authorize these inquiries. 

XXXX XX/XX/XXXX inquiry date XXXXXXXX XXXX XXXXXX/XX/XXXX inquiry date XXXX XXXX XXXX XXXXXX/XX/XXXX inquiry date
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and seen some account that are not mines and I need them removed and I have several accounts that are inaccurate information I have provided a Federal Trade Commission report in the documents for identity theft. These companies i have never done business with. They need to be removed please. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/22 I was applying for an online loan and was scammed through the company that stated that they were XXXX XXXX and that they used XXXX for verification. {$400.00} was taken from my account. I immediately contacted my bank and filed a claim and had to close my account. My bank is still trying to get my money back, but hasn't had any luck yet with it. So I was scammed and would very much like my money back!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that XXXX different companies are claiming ownership to one account on my credit file. According to the FCRA, this is a violation. XXXX This original furniture, XXXX XXXX XXXX has fraudulently sold this account to two different collection agencies. XXXX XXXX, XXXX, and XXXX XXXX XXXX  , LLC which I havent had any luck with speaking with a representative. While they are still claiming ownership on my XXXX and XXXX credit files. Making it a total of 3 different companies claiming ownership of one account to the three major consumer agencies. Along with this complaint, I have included screenshots of their fraudulent behavior of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

AES/NCT is reporting  XXXX  fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since  XXXX     2017, and  for the  last five mo nths I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in  XXXX  lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are  XXXX  loans that I DID take out in my name but there are  XXXX  loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to AES/NCT back in  XXXX   2017. A fter multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until  XXXX   XXXX ,  2017. Five m onths later, after requesting  XXXX  to be sent to be beginning in  XXXX , they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that  XXXX  is servicing these loans and they are rejecting my fraud packet. However, whenever I call  XXXX  they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on  XXXX   XXXX ,    2017 an d according to the packet credit reporting was to cease 15 days after receiving the packet, which was  XXXX   XXXX . They have yet to do so and had the nerve to tell me they ca n't because  XXXX  rejected the packet.  XXXX  does n't even know who I am when I call so how can they reject a packet? If anyone from AES/NCT actually bothered to called the  XXXX  number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer pursuant to 12 CFR 1022.3 ( f ), 15 U.S. Code 1681a ( c ) NCD FINANCIAL LLC Identity theft 12 CFR 1022.3 ( h ) using my identifying information without authority ____________________________________________________________________________ i do understand NCD FINANCIAL LLC thinks they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a of the FCRA, My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 15 U.S. Code 1681a ( d ) ( 1 ) ( A ) making Creditor NCD FINANCIAL LLC a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 15 U.S. Code 1681g ( f ) ( XXXX ) ( A ) ( i
Product: Debt collection

I received a letter stating my name from the dept collection agency that I need to pay {$7000.00}. Which is I never open this account. 

Original Creditor : XXXX XXXX XXXX  Current Owner : LVNV funding LLC Reference no : XXXX Balance : {$7000.00} Thanks Again XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My identity was stolen in the past and I have recently noticed items on my credit report that dont belong to me. Please close these accounts and remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX I have attempted several times to contact XXXX, Equifax, and XXXX about violating my rights under the FCRA. I have listed the accounts below which is requesting to have them deleted from all three credit bureaus immediately i will also state the law which violated my consumer rights. 
XXXX XXXX Dept of EdXXXX  in the amount of XXXX account number XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX 15 US, Code 6802 states a financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card, deposit account, or transaction account of a consumer to any nonaffilliated third party for use in telemarketing U.S.C 1681 section 602 A states i have the right to privacy.
Product: Student loan

Navient has failed to properly apply a lump sum payoff check to my account -- resulting in additional interest and other fees being applied to an account I intended to pay in full. This is fraudulent.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/year> ) Case Number : XXXX ( Dismissed on XX/XX/year> ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within XXXX hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XX/XX/XXXX Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Debt collection

I received a telephone call from XXXX XXXX for a debt owed to Continental Finance Company ( XXXX at XXXX ) in the amount of {$630.00}. The first call I received was from a Service Processor stating that I would be served a complaint and that someone would need to be at my resident with two pieces of ID to sign for this Complaint and if I wanted to stop the process - I would have to call their office. I did call -- they wanted the following arrangements in order to stop the Service Processor : {$190.00} on XX/XX/2018 ( which I paid - and it was a struggle ). They also wanted me to pay {$440.00} on XX/XX/2018 to close out the account. I was unable to come up with the finances - so I called and they asked what could I pay - I told them that I would try to get at least {$100.00} - which I did and paid - but set up arrangements to pay the final {$330.00} by XX/XX/XXXX - which I am still unable to do. I pressure and stress to met their expectation is overwhelming. They stated that if I did not keep these arrangements that I would have to come to court and let them settle the matter. Help!
Product: Credit reporting or other personal consumer reports

Please take this complaint seriously and review the attached file. I have been trying for far too long to correct the errors on my credit report, but my efforts have been repeatedly ignored. Despite multiple requests to address the inaccurate information, nothing has been resolved, and Ive reached my breaking point. These errors are impacting every aspect of my life, from my financial stability to my emotional well-being. The stress caused by this situation is overwhelming, and with my credit score suffering because of these mistakes, I cant even afford the help I might need to cope.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, 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.