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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, The XXXX XXXX XXXX  Account # XXXX, The XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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
Product: Mortgage

I had a mortgage with XXXX whom then sold it to Greentree llc I had fell behind on payments, due to my husband having an unexpected medical emergency and started to work out a payment plan with a rep " XXXX XXXX '' she had me caught up all but 3 months which were supposed to have gone to the back of the loan, giving me a 2 month break and a fresh start. when i called in after not hearing a response I was told the loan was now serviced by Ditech llc, i explained the situation to my new rep " XXXX '' and was told they would not honor such claim i asked to speak to a supervisor and he apologized but he really had no answer to give me and to just keep making my payments, at that time my payment was supposed to have been pushed back and i had already payed medical bills and meds for my husband but make a payment at the end of the month this was in XX/XX/XXXX, and did not have an answer to give me, in the mean time i have kept making my monthly payments. I was then told i could get a modification since i was not in danger of foreclosure, which i sent paper work in, On XX/XX/2016 i called all morning and got no answer at about XXXX i got an answer from some one named XXXX who told me he could get no answers for me and no one was available to answer my question of the modification and after begging to please just tell me if it was good or bad news he said he would have to ask a supervisor, after 10 min he came back and said, they refused modification because no paper work was received and that no one could help me because they are in the process of updating, and that i would get a response thru the mail then he laughed and said well maybe because we all know that snail mail always gets lost ... .i still made my payment and asked again to speak to a supervisor and was told my rep was busy mailing letters and there was no one available to speak to me & that he actually was used to speaking to people with less vocabulary because he was a mobile home agent and not a home agent but he would take my payment as a favor to me. he then told me to call monday to talk to my new rep, and asked if i wanted my old reps voice mail, i left her a voice mail and as of today got no response that was on XX/XX/2016 then on XX/XX/2016 i get a letter saying they are foreclosing on my property on XX/XX/2016 but no other info was provided ... i need help, i can make my monthly payments plus past due but cant make my past in a lump sum.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXXXXXX XXXX Balance {$0.00} co XXXX XXXX XXXX  XXXX Balance {$1200.00}
Product: Checking or savings account

I closed my axos banking-checking account out of XXXX XXXX CA XXXX XXXX XX/XX/XXXX. I had been a member there for 4 years. 

I opened a checking account with the online financial company, XXXX. When I closed the axos account, they sent me my remaining money in the form of a check for {$3800.00}. 

The check that is not cash able or cant be deposited is dated for XX/XX/XXXX. I have tried banks and other stores to try and get my money back but everyone has said it is not cash able.
Product: Credit reporting or other personal consumer reports

For the past XXXX years, I have reported to XXXX, Experian, and XXXX on multiple occasions that someone has stolen my identity. I have contacted creditors about this and have gone as far as getting a police report. I asked all three credit bureaus for proof of authorization on these accounts and inquiries yet, but they will not remove the accounts or inquiries. I have shown proof that Experian has reported that my information is on the dark web and being used, plus I have multiple letters from different agencies that my information has been leaked due to data breaches of their companies.
Product: Checking or savings account

On XX/XX/2022 my cell phone was stolen with my Bank of America accounts linked to it. Between XX/XX/XXXX and XX/XX/XXXX my 2 checking accounts were drained via digital transactions like XXXX XXXX and XXXX for a total of XXXX I reported the transactions right away but my claim was denied and I was asked to submit a police report which I did but then my accounts were closed down and I was informed I was liable for all these charges
Product: Payday loan, title loan, or personal loan

I'm currently in the hospital and I need a loan to support my health and get food for family
Product: Credit reporting or other personal consumer reports

Because of the data breach with TransUnion, Equifax and Experian that led to my information being stolen they have inaccurate addresses and accounts under section 605 b this information has to be deleted within 4 days not 30 days or 60 days XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX, MI XXXX reported, XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX reported XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX reported XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX Illinois XXXX reported XX/XX/XXXX Title 15 USC 1681 inaccurate information must be deleted off credit report XXXX XXXX reference # XXXX reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago citi mortgage called me an asked me if I wanted to refinance my house I paid XXXX for it lived there for two years and then I got that call to re finance and we talked and my interest was 7 % and they told me that they could get it to half that and I asked over and over so this will make my final principal go down and they said yes so I said go ahead of course so they proceeded to do this and while they did this I still would send a payment which would get sent back to my bank XXXX XXXX and 3 years of them not letting me make a payment I got a letter saying they got my interest down to 3.5 % but now they said my final principal was XXXX XXXX XXXX XXXX XXXX dollars {$110000.00} so I refused to pay for fraud and they sent a check for XXXX $ so we cashed it and doing that I guess we agreed to their settlement of screwing me over but it shows still active on my credit and I went to court in XXXX Texas when they evicted me and my wife the judge said we could contest it but it would cost XXXX $ and recommended that we did considering we actually showed up for a eviction nobody does that they just move I paid a lot of money and remodeling into the house and the citi mortgage lawyer said all parties walk free considering what had happened so now they done sold the house for XXXX and still charging my credit and it is immoral please help
Product: Credit reporting or other personal consumer reports

The INQUIRIESlisted below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to my XXXX, XXXX, and my Experian account, they have the wrong ( maiden and married ) last name for me. Alsoo, they have two wrong addresses that I have never ever lived at, one in my town and one several states away. Also, They've also said I own a cleaning business. Which I do not own any business, especially a cleaning business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having a issue with this credit bureau for the past 2 weeks and not AUTHORIZED someone had fraudulently obtained my credit report and it is some hard inquiries on my account that i was told i can dispute if it is unauthorized. These XXXX refused to dispute these charges and im livid. I don't have this problem with the other credit bureaus Tbesides EQUIFAX AND IM FED UP ABOUT THIS. The other credit bureaus disputed this with no issues. But Equifax is giving me a hard time.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/2021 XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sync/pep boys Account number XXXX Amount XXXX I never recognized these purchases Its fraud alert It scam Its affecting my credit score
Product: Debt collection

XXXX  midland funding is stalling by saying i hired an attorney i did not..the cell phone was bought by my husband i asked for proof that i picked up the phone and they did not produce it i know for a fact he got the phone about 14 years ago iin a cell phone store it is not my    XXXX   XXXX    bill
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING to section atc ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report ACCOUNXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, 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.

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

On XXXX XXXX I received a hard inquiry on my Equifax report from Equifax XXXX. I do not live in XXXX and did not apply for credit. I called Equifax XXXX and was informed that XXXX Tracing ( XXXX ) was the originator of the hard inquiry. There is no address or phone number for XXXX Tracing. Equifax directed me here to fill out a report then mail to them.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX has failed to assist my son with his account from the first payment due back in XX/XX/2022. XXXX XXXX XXXX gave verbal authorization to allow XXXX XXXX to be on the account due to being the legal gaurdian due to XXXX 's traumatic situation. The company continued to e-mail him and call his phone when he did not know who it was and plus he works at night at XXXX and tries to sleep during the day as a result of how hard the job works him. I have e-mails and phone logs where the company responded to me barely a handful of times. I even attempted to make payments over the telephone from the beginning of the first payment due until XXXX Bank stole two rental car holds for {$500.00} each and never gave the money back so I had to pull all of my family accounts out of the XXXX bank which was four accounts. I contacted XXXX XXXX personally, explained the banking situation through telephone and tried to make the first payment with debit card but they would not except it. On a recorded call, I personnally stated that I did not want my son going into the credit bureau which the represented who was a male assured me he would not but the company placed XXXX into the credit bureau behind his back. At no time would they accept the debit card payment. In addition, the website blocked us from making the bank changes online. It kept stating the first payment had to be completed under XXXX before it could be changed which XXXX was closed. The company never offered any payments to be sent in by mail nor a representative to accept the money by telephone which was just now told to me a week and a half ago over the telephone. I informed the representative, no one ever offered, all the information ever disclosed was that the first payment had to be paid through the portal which the company knew we were having issues with. and I consistently reported, reached out for help and no resolution. Happy Money was going behind my e-mails and calls contacting my son and would not reach out to me. There was a 5 questionnaire completed which XXXX and I did and sent it back from my e-mail and per their request, screenshots for closed XXXX Banks were sent. Unfortuantely, it was past 45 days until the company supposedly unlocked the account where I did go in an input the new banking information. Yesterday and last night we attempted to make another payment and the company blocked us again. This time pictures were taken to prove it. This is bad business and the company is not to be trusted. The error is on behalf of the company and they need to work with my son and I and pull him out of all XXXX credit bureaus because they are using deframation of his character and destroying his good credit. His credit was at XXXX and now it is in the XXXX 's as a result of XXXX XXXX 's negligence and unfaithful practices as a loan company.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. CREDIT ACCEPTANCE CO, XXXX XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX. XXXX XXXXXXXX ( XXXX XXXX, XXXX ) - Fecha de consulta : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - Fecha de consulta : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - Fecha de consulta : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Fecha de consulta : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Fecha de consulta : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - Fecha de consulta : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - Fecha de consulta : XX/XX/XXXX XXXX. XXXX ( XXXX XXXX ) - Fecha de consulta : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) - Fecha de consulta : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - Fecha de consulta : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX. XXXX / XXXX Account Number : XXXX Balance : {$3000.00} Account Status : Charged off as bad debt, loss reported by creditor. Date Reported : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Account XXXX : XXXX Balance : {$0.00} Account Status : Closed, reported as loss. Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Status : Charged off, loss reported. Date Reported : XX/XX/XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. 

15 U.S.C. 1681 Section 602 A States : I have a right to privacy.

15 U.S.C. 1681 Section 604 A ( 2 ) States : A consumer reporting agency can not furnish an account without written instruction.

15 U.S.C. 1681c Section ( A ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information And other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 Section s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that they the information is inaccurate.
Product: Checking or savings account

I had XXXX refunds transferred to my account. I only received XXXX of those. XXXX of the transactions are missing. Nobody can explain to me why I have gotten some and not all. I also spoke with the sender and the bank sending those. All looks like refunded on that end. I filed a dispute and was not given any provisional credit. This amount was over {$400.00}.