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

In accordance with section 601. Short Title : Fair Credit Reporting Act I have not initiated any transaction with any of the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies stated for review or collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies had violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy.

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions.
Product: Debt collection

To my knowledge consumer protection laws are designed to safeguard consumers from unfair practices and undue financial burden. It has come to my attention that my auto loan agreement may be subject to violations of these laws. These things consist of " Lack of Full Disclosure '' and " Financial Hardship. On XX/XX/2023 I sent them a letter expressing these concerns and requesting that the debt be XXXX and that all my obligations to the debt be dismissed. That have not sent me anything in return or let me know that they had received my letter. They called me and the co-owner XXXX times a day a piece for the past XXXX days which I know is considered illegal according to certain laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lateS is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed. I have submitted a FTC complaint reporting the info I am not familiar with. 

Please find attached copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt letter.
Product: Credit reporting or other personal consumer reports

This is ridiculous! I contacted TransUnion over 30 days ago and they have done nothing to resolve the issues I reported to them regarding my consumer credit report. I haven't heard anything from them and I've see no changes on my credit report. This is causing me emotional distress, as this incorrect information on my report is effecting me from getting a home. They don't seem to be following the rules set out for them as nothing has been done and I have not receive a single update from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX XXXX Amount XXXX Open XX/XX/XXXX This account has not been showing on my credit report previously This account has been deleted for about 4-5 years now and somehow reappears on credit report in XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy.

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

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

In accordance with the Fair Credit Reporting Act AVA Company has violated my rights under 15 USC 1681 Section 602 states, " I have a right to privacy. '' Under 15 USC 1681 Section 604a Section 2 it also states, " a consumer reporting agency can not furnish an account without my written instructions. " Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. ''
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. Upon reviewing my credit record, I found instances of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have not provided satisfactory validation. I request your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I called the lender and told them to take the money out three days later although they said they would do it they did not. This caused suck a huge strain on my bank account that I had to close it down. Now they say I owe XXXX and I will lose my job.
Product: Debt collection

I CHECKED MY CREDIT REPORT AND NOTICED THIS ON MY REPORT. THIS DEBT DOES NOT BELONG TO ME
Product: Money transfer, virtual currency, or money service

I had {$1700.00} in a Coinbase, Inc account XXXX XXXX, 2017, I sold and authorized sent to my bank account. It has never arrived, most phone numbers for Coinbase are non working, no one answers numbers that do work, emails are not returned and there are Thousands of online reviews stating this is normal for Coinbase and MOST people just end up getting screwed. Coinbase is a scam run by thieves. I have n't filed a lawsuit, there address is virtual so they ca n't be served. I am  filing complaints with the US and New York AG, CFPB, IRS, FBI and Banking Commission. I want my money ... NOW
Product: Checking or savings account

I can not open a checking account because someone stole my account information and made fake accounts in my name. I have now have a XXXX year old boy and cant even pay bills online due to false accusations on my credit report. Wells Fargo .. XXXX XXXX are all incorrect information I report everything its still hurting me
Product: Debt collection

Diversified Adjustments is a collection company that is steady harrowing me about a fraudulent account opened using my stolen identity the account was openedXX/XX/2023 in the amount of {$810.00} this is not my account I did not apply for any service or sign any contract with said company but they continue to send alerts to my the credit Bureaus impacting my credit score negatively and illegally on top of harrowing me calling me after I contacted them and reported the fraud..I also have police report as well
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Vehicle loan or lease

My payments keep showing as late payments. When they have been on time and effecting my credit score negatively as to close to 100 points..
Product: Mortgage

On XX/XX/XXXX we sold our home and paid off the mortgage held by Mr. Cooper. 
Paid off the mortgage nearly 30 days ago and still getting the run around on money, our money, that is in the escrow account. Have received the release of lien and still no check from Cooper.

Have called numerous times and told it takes 20 days, 30 days, 45 days. 
It should be illegal for them to hold your escrow money after the loan was paid in full.
Product: Credit reporting or other personal consumer reports

Someone try to apply for bank cards using my info. I contacted XXXX but all they did was tell me it will be off in XXXX  years even after I explained to them it wasn't something I done. Now a few of them were mine and I let them know that also. They did nothing 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 keep disputing inaccurate personal information from XXXX, such as my name, address, phone number, and work history. I only have 1 name, 1 address, 1 phone number, no nicknames, or slang, and no abbreviations but somehow, inaccurate information will be removed to reappear days later. I called and mailed in the reappearing inaccuracies and nothing was done by the dispute department to correct the information that I reported to them on several different occasions. 

XXXX is in violation of my rights to only report accurate information, ( ONLY ). Per Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

However, a consumer reporting agency may continue to report information it has verified as accurate. Please see the attachment of my dispute results from XXXX, refusing to DELETE the inaccurate personal information for good. I've also attached proof of my voter card, and court order seal divorce document with my correct name, address, phone, and exedra.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AD JUST has violated my RIGHTS. 

15 U.S.C # 1681 SECTION 604 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: Credit card

Applied for business line of credit for my small business. 
Title 15 ss 1611 violation for criminal and willful violation of damages suffered for misreporting Denial of Securities violation Denial of access to underwriting to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX claim to have conducted a full thorough investigation of these inaccurate negative items on my credit report yet they are still showing up as inaccurate on my report. I would like to know how they verified these accounts. 

Experian/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer ( direct dispute ).

Under 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.

Under the FCRA 1681s-2 ( b ) the furnisher is required to examine sufficient evidence to determine whether the disputed information is accurate. If a furnisher can not affirmatively verify that it has accurately reported disputed information, 1681s-2 ( b ) ( E ) of the Fair Credit Reporting Act requires the furnisher to modify, delete, or permanently block the reporting of the disputed information.

A fair resolution to this issue would be the deletion of the following inaccurate accounts from my credit report : Experian/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 Balance {$110.00} XXXX XXXX Credit inquiries ( FTC report submitted XX/XX/XXXX. FTC report # XXXX ) : XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical payments under XXXXXXXX XXXX  not being removed from credit report companies
Product: Credit card or prepaid card

I applied for ad received the XXXX XXXX XXXX from Bank of America in XX/XX/XXXX. After having the card for approximately 2 weeks later on XX/XX/XXXX, there were fraudulent charges for flights and activity in Florida and California. Iwas not aware of the fraudlant charges until I received my first statement in XX/XX/XXXX. I immediately reported that charges to the bank on XXXX XXXX. After the bank provided a credit and replacement card on XX/XX/XXXX XXXX, I was able to use my card, which I almost maxed out at {$3500.00}. Then approximately 6 weeks later I received a call stating the credit would be reversed and that the bank did not believe the charges were a result of fraud. I was baffled and upset but more importantly confused as to how I could be held responsible for something I did not do, further, the evidence from the charges showed activity in 3 states at one time! I requestd a supervisor and I was provided a transfer of ther call as well as an email to submit potential evidence that would support my claim of innocence, and I was told the matter would be reinvestigated, but never recevied any further correspodence. I continued to make payments for almost {$250.00} to avoid damaging my credit further, until I was able to find another alternative to the now almost {$8000.00} debt the bank was making me responsible for. The bank then closed my account in XXXX eventhough I continued to make payments. Due to my personal illness in XX/XX/XXXX which I believe was due to XXXX, at that time it was not diagnoised, I was hospitalized for almost 80 days. I also lost my employment due to COVID-19 shutdown in XX/XX/XXXX. I was unable to continue to pay. The only option the bank would give me after I initiated contact in XXXX of XXXX was a payment plan. Now the bank has been reporting the account over the limit by more than {$4000.00}, since XX/XX/XXXX which has damaged my credit tremendiously and has now sent the debt to collections, which has prompted a collection agency to contact me. 
Bank of America neglected to properly inestigate a fradulant dispute and due to their negligance has caused me great fianancial distress, loss and negative credit.
Product: Credit reporting or other personal consumer reports

Took out a title loan from Wilshire Consumer Credit in XXXXXXXX XXXX XXXX for XXXXXXXX XXXX against my title loan for my vehicle. Paid back entire balance in XXXX XXXX XXXX. 

Company had reported it as paid off/never late and released my title. I received a notice that account was satisfied about a week after making entire loan payoff payment. 

XXXX says XXXX payment that I made prior to final was returned and they added interests and late fees to that amount that they say " returned '' Have made numerous calls and sent emails and disputed with credit bureaus but never have received a clear answer. 

Have disputed account several times but with results always in their stance and favor. XXXX XXXX XXXX has repeatedly ignored and affirmed their reporting to the credit bureaus.
Product: Mortgage

I am a homeowner whose mortgage is now serviced through Rushmore Servicing company. My loan was transferred to Rushmore Servicing XX/XX/XXXX from Rushmore Loans. I saw on my XXXX tax 1098 form that the numbers were off. In my inquiry, I also found that many of my payments since buying my home XX/XX/XXXX were not been applied properly. I sent the XXXX spreadsheet I keep to amortized my loan and copies of my payments to the Rushmore Servicing to investigate in XXXX XXXX but I have not gotten any response and get hung up on when I finally get through the automated system to a real person. I have called at least 2-4 times a week since Rushmore corrected my 1098 in XXXX. They did correct my 1098 but increased my monthly payments by almost {$500.00}. They say my escrow was a little over {$3900.00} in the negative. The extra payments I made should not have had my escrow payments so far behind. I have tried everything with this company. I can not refinance since this is a VA Loan and the VA will not allow me to increase my APR more than a percent and a quarter in this economy environment. I need assistance in any way that you may be able. I never want to go back to making decisions on whether I pay a bill or eat!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX has updated the records as PAID IN FULL no charge off or any collection. NO settlement at all. i cant understand why they are not changing the records on the report.
Product: Credit card or prepaid card

XXXX was charged to my XXXX XXXX XXXX card by Amerisave mortgage co. Back in XX/XX/2019. At the time I was in the market for refinancing my mortgage. I was contacted by rep. XXXX XXXX. He informed me he could get me the lowest rate possible but I needed to give him XXXX to lock in that rate and show I was interested. Two days into all the paperwork he says I need to give more money and I was buying down points which I never agreed too or was even discussed to get the lowest rate. I have his email stating the XXXX would be refunded. I disputed the charge with my card company and they state the co. Charge is valid. After I submitted all the emails and paperwork. I was scammed.