23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a formal Notice XXXX XXXX that GC Services Limited Partnership has violated my rights as a Federally Protected Consumer and must provide me with compensation pursuant to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Fair Debt Collection Practices Act and has REFUSED my demand for monetary relief. 

GC Services has failed to address and resolve their violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX arising from their written and oral communication with me. See attached Notarized Affidavit for the specific violations and how GC Services violated me. This matter must be addressed. 

The XXXX and XXXX Notice that GC Services has received illustrates that they may contact me to invoke the specified remedy I have demanded. If GC Services continues to ignore my demand for monetary relief I will seek my remedy through litigation.
Product: Credit reporting or other personal consumer reports

Re : Complaint Against Equifax for Violation of FCRA 1681 b ( 2 ) - Permissible Purpose of Consumer Reports.I am writing to file a complaint against Equifax, a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 b ( 2 ) regarding the permissible purpose of consumer reports. 

Summary of Complaint Equifax furnished a consumer report about me to [ XXXX XXXX XXXX ] in connection with a [ Auto Transaction ]. However, I did not initiate this transaction, nor did I authorize Equifax to provide my consumer report for this purpose. This action is a direct violation of FCRA 1681 b ( 2 ), which restricts the release of consumer reports without consumer consent or for purposes not initiated by the consumer. 

Additionally, Equifax violated 15 U.S.C. 6802 regarding disclosing my nonpublic personal information. I was not provided with clear and conspicuous disclosure that my information may be disclosed to a nonaffiliated third party. I was not given the opportunity to opt-out of such disclosure, nor was I explained how to exercise that option. 
a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( I ). 

Equifax has included information on my consumer report that I believe is in violation of the FCRA. The information pertains to [ describe the information in question ], which I believe constitutes a report of transactions or experiences between myself and Equifax. 

The FCRA explicitly excludes such information from the definition of a " consumer report. '' As per 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), a consumer report does not include " any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Furthermore, Equifax has not provided any evidence that I gave written permission for this information to be included in my consumer report.
Product: Payday loan, title loan, or personal loan

I called Minto Money around XXXX the XXXX cause my mommy passed suddenly on XXXX the XXXX. She had no life insurance. After my mother died I was trying to pay for her funeral and struggling financially. I called Minto Money and tried to work out an affordable payment plan and was denied a payment plan. Was told I wasn't behind on my payments and they couldn't help me until my account defaulted, I at that time revoked ACH authorizations by Minto money. My account has since defaulted they added late fees and interest to the loan. As of the day I agreed on a payment plan of 9 payments of XXXX XXXX dollars starting XX/XX/XXXX and there will be 1 payment of XXXX I borrowed {$700.00} on XX/XX/XXXX made 2 payments of {$150.00} for the XXXX dollars I borrowed I will in the end pay back {$1200.00} only cause Minto Money Agreed to this settlement amount and payment plan. Which I appreciate. But If I would have made the payments as scheduled I would have paid XXXX Minto Money charges a yearly interest rate of 600.78 % The credit for the XXXX dollars would have cost me {$2400.00} for a total of {$3100.00}... Completely insane
Product: Mortgage

Back in XXXX when all the foreclosure started I was one of the cuatomers that obtained no help everyone would turn their back on us, We needed help and guidance on how to reciver and continue with our home. Yet no one neither did the bank or any organization attempted to help we were ones of the very beginning and they didnt have any protocol to follow in situations like the one we encounter and in XXXX we were asked to move out. Leaving us no other help or benefit but to live here and there with friends and family we were a family of 6 my kids were so young this was so tramatizing to let go of all the hard work we put simply cause our bank laughed at us over phone when we seeked for help.. hoping to get some money back we havent been able to buy a home..
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX - Account number : XXXX Account name : XXXXXXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXXXXXX Account number : XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint are 5 hard inquires from XXXX ( 2 ), XXXX XXXX XXXX, XXXX XXXX and Fifth Third Bank. I have spoken with all 4 companies and none of them are willing to work with me on reporting these as unauthorized/fraudulent. I would like them removed ASAP. I have worked with both parties and neither the 3 companies or XXXX or XXXX are willing to help me get these removed. They both say back and forth call them and ask and vice versa.
Product: Debt collection

According to FCRA ; reporting different information to the three credit bureaus that happens to be inaccurate is against the law. All information reported to credit reports must be the same for all three credit bureaus. Looking at the XXXX report, a closed account for company SYNC/BELK has late payments for months XXXX as of XXXX when the last shows XXXX XXXX but states account closed on XX/XX/XXXX and current up to XX/XX/XXXX ; which is inaccurate and shows last reported XX/XX/XXXX. Looking at my XXXX credit report ; the account shows last payment XX/XX/XXXX and account closed on XX/XX/XXXX with no late payments and last reported XX/XX/XXXX ; XXXX. Ive reached out and to company with the proof of inaccurate information reported to my credit report and asked for this to be removed due to the inaccurate information. Account has been paid in full.
Product: Credit card

I signed up for a new Home Depot card was told if I spent {$1000.00} they would give me {$100.00} off. I created an order and their promo code worked. I called back to edit the order because I did not want their extended service contract and was told by member of their team they couldnt edit the order that I would need to cancel the order and re-order. I asked if the promo code would still work and they told me yes, so I did what I was told to do and attempted to re-order it and use my new promo code for my new credit card to purchase the same washer and dryer for the XXXX dollars to receive my XXXX dollars off. When I got to check out the promo code no longer worked. I attempted to call the credit services department and was hung up on multiple times finally got some manager and they refused to do anything about it and told me that the code was only for one time use sorry if I was given wrong information and they wouldnt do anything. So I signed up For a new credit card had a credit inquiry now I have a new line of credit for something I will never use because I will not purchase from them because I only did it to receive the XXXX dollars off they will not give me or honor, even though theyre the ones who made the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX   XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Equifax and XXXX refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

This is not mine, not sure what to say. I have never dealt or had business with XXXX XXXX or collection agency " Professional Bureau of C ''. They will not stop reporting to credit bureau XXXX, they lied to XXXX. Trying to strong arm me into giving them money so they'll stop harrassing. Requesting they stop reporting and correct the report by telling XXXX  to delete account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX CLOSED XXXX XXXX XXXX XXXX  OPENED IN XXXX /closed XXXX and is in violation of the FCRA And XXXX Statue of Limitations for items to be discharged. Please remove these items ASAP.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of the recent CFPB lawsuit highlighting sightings issues with the platform. Despite using Zelle numerous times in and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking theses transactions was infeasible. The CFPB s findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to their scams
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 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 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

The information the company provided does not verify that this account was created by me. My social security number and ID was stolen from my wallet. They have an invalid phone number and an invalid home address attached to this account which is the most lawful valid way of identifying me since my information was lost from my wallet before this account was created. If they do not have a valid signature from me opening an account with them it simply means under the FCRA, they can not verify the information. These items lawfully must be deleted from my report because the company has failed to provide adequate contract signature information to verify this account was opened by me. 

Under the FCRA, unverifiable accounts must be removed within 30 days and if you are unable to provide me a copy of verifiable proof ( i.e proof of the alleged items, specifically the contract, note or other instrument bearing my signature ), you must remove the fraudulent account. I never signed a contract, note, or other instrument bearing my signature. If the company can provide this information because it doesn't exist. Their failure to positively verify these accounts that I disputed on XX/XX/XXXX ( which has been beyond 45 days ago ), has hurt my ability to obtain credit and I desire it to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX PHH mortgage reported a modification red flag my account and I have not had a modification since a year ago and that was already reported a year ago. That reporting assist in bringing down my score XXXX points which was unfair reporting to my credit report under my social security number. This has been happening more that once and I look over it but it appears to be malicious activity on these servicer part.
Product: Debt collection

I've been trying to correct the issues with Colony Brands i.e. XXXX XXXX  XXXX, XXXX over a year. Most of these orders were made while I was in the XXXX for 2 years, therefore, they did not confirm it was me before opening and/or confirm any information.. I used several avenues to resolve the issue with different agencies and they would not respond with the agencies so the case was closed. I specifically told this company I did not place any orders with them ... if the company would have checked my credit report, it says not to open nor place any orders without confirming it is me. I spoke to XXXX in the Corporate Office and was assured he would provide information so I could review it. Then were to remove charges then close all the accounts. I did not receive any other contact from Colony Brands  ... i.e. XXXX XXXX  XXXX or XXXX. They could not provide any information that would substantiate any orders, therefore, I will not be responsible for anything that isn't mine. I receive reports from XXXX  XXXX showing past due accounts that I felt were resolved over a year ago. There was a file # XXXX ( Colony Brands ) and FTC file # XXXX. Colony Brands waited until they thought I would have forgotten about the issue without any proof of FTC, discussion with them or documentation. Now Colony Brands trying to bully me into paying a debt I do not owe by placing inaccurate information on my credit report at all credit bureaus. 
The charges are fraudulent and are an inside job with their companies with the burden of payments on the victim. I am on a Social Security Fixed income and can not /will not pay for anything I did not order.
Product: Credit card or prepaid card

Checked my credit report to notice it was a credit card opened under my social security number but a different name ( XXXX XXXX ).
Product: Debt collection

I lost my job in XXXX and my husband and I filed for bankruptcy in XXXX that year naming XXXX, XXXX XXXX, and their attorney as creditors on a lien that was placed on my name. The bankruptcy was discharged in XX/XX/XXXX, and I assumed all was well. 

My husband and I tried to refinance our VA home loan in XX/XX/XXXX in anticipation of rising interest rates, and it was then that we found out that the lien for XXXX was still filed and active against my name. Multiple calls to the assigned attorney and to XXXX XXXX were not satisfactory. The attorney, XXXX XXXX XXXX who took over the XXXX XXXX XXXX cases, denied they had the file and XXXX said I still had to pay it in order to close the lien. 

We hired our bankruptcy attorney to file a motion spending around {$700.00}, which I feel should not have been an expense I should have had to make. It took until XX/XX/XXXX to get a signature on the order. The lien is still filed and active on my name. 

My husband was forced to refi our VA mortgage in his name only, which has affected his credit score and the interest rate offered by the company.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the identity theft police report to this complaint.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed some inaccuracies in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is illegally being reported on my credit report. On dates, XX/XX/19 and XX/XX/19, I formally disputed it directly with XXXX  in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after XXXX  supposedly verified the account, in getting this issue resolved. I sent along with my Police Report and an affidavit but the address XXXX  has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to XXXX  and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Product: Credit reporting or other personal consumer reports

I had a vehicle in XXXX XXXXXXXX bankruptcy. I called XXXX XXXX and asked how much I owed. I paid the {$450.00} that I was told that I owed on XX/XX/XXXX. I asked them to update my account as paid in full and to correct the balance owed to {$0.00}. They did not correct it, even after I disputed it with the XXXX credit bureau. I have had problems with this company reporting incorrect information since I filed for bankruptcy in XXXX. The didn't report any payments through bankruptcy but reported one payment in XX/XX/XXXX. They sold my account previously to LSC Financial Services which was supposed to be submitted to the bankruptcy trustee but never was. I also was not informed. Then they bought the account back and when I called I was told that I couldn't make a payment to them because they should have sent my account to a different collection company. My account has stated delinquent, while in bankruptcy, then changed to XXXX. XXXX wage earners plan and now says charged off. I would like for XXXX to remove charged off from my credit report because they received all of their money and there was a payment plan to repay the loan. They reported charged off several times on different parts of my credit report. Also, the company that they previously used for collections recently pulled my credit even through they have not had my loan since XXXX. This company is awful. They deliberately report false information on people 's credit reports.
Product: Credit card or prepaid card

I fell behind on y credit card account, and capital one contacted me, saying that if I made 3 on time payments on my account, they would reinstate the account after 3 third payment was made. After 4 on time payments, the account is still restricted, yet they keep telling me to wait, and wait, and wait. I understand they can conduct business in any way they see fir, I just dont think it is right to blatantly lie to consumers after you have offered them an opportunity to resolve the issue and make good one the agreed upon conditions for reinstatement
Product: Mortgage

Nationstar Mr. Cooper Mortgage told me I was late on my payments the beginning of XX/XX/2018. I then paid the full amount they required to keep my account active. And we agreed upon an amount to be paid monthly, in a refinanced loan, which I paid on time every month. My loan has been current since XX/XX/2018. I paid every amount they told me to pay. And documents were finalized and signed XX/XX/2018. Nationstar Mr. Cooper was wrong in filing a 60 days late charge on XX/XX/2018, and a 90 days late charge on XX/XX/2018, to the Credit Bureaus. And those charges need to be removed off my credit records.
Product: Credit card

On XX/XX/XXXX There were XXXX charges to my credit card from Goldman Sachs stating that I charge them in Florida in which I live in Michigan. I haven't been to Florida since XXXX. XXXX Of the charges were for {$200.00} At XXXX different XXXX in XXXX XXXX, Florida. The eighth charge was at an XXXX XXXX gas station XXXX XXXX, Florida, all charges were made within XXXX minutes of each other. I immediately contacted XXXX sachsthank and they Removed all XXXX charges and said they would investigate 2 months later they sent me. 
Emails stating that I am responsible and that, I okay, the charges which I DID NOT. I've called XXXX separate times nothing happened. They keep saying that I'm responsible and that they're done doing their investigation even though they don't have any information. I called XXXX different police departments for each of the transactions, I feel like my hands are tied and extremeldefrustrated I always have my bills paid on time and now they're messing with my credit. Please please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two person loans attached to my credit report that do not belong to me. I filed a dispute in XXXX and it has been labeled as resolved. The claim is that the information is accurate. XXXX XXXX and XXXX XXXX XXXX are the two accounts attached to my credit report that do not belong to me.
Product: Debt collection

Keeps calling and sending letter on a credit card that I never had>>> claming to take my home and sending me to prison for no paying there bills!!
Product: Checking or savings account

Had an acct with Wells Fargo had many overdraft fees acct was closed due to it
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone with the authority to rectify my problem, I have reached out to these corporations and they completely disregarded my correspondence I sent to them on XXXX XXXX, 2020. I havent received any responses from them once. My first correspondence was 79 days ago. After this experience I have done research and learned that Federal law requires corporations to respond within thirty ( 30 ) days ; again it has been 79 days and these companies are in gross failure of having an open line of communication with me about my situation. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. I rather not do this but at this point I am considering seeking litigation. Be informed that my information was compromised in the Equifax data breach and this may have caused the detrimental activity on my reports.