23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX : {$480.00} XXXX  XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX  Balance : {$1400.00} XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my lexis nexis report and notice I have inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that this is my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys
Product: Credit reporting or other personal consumer reports

XXXX is reporting a debt on my file along with Cavalry Portfolio for a debt I don't recognize. I think they are the same debt and I ask you please validate the debt for me as I have no idea what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened an account with XXXX XXXX while purchasing a car. 
Every payment per month, I obtained XXXX point toward my credit score. During Covid, I complained about the company XXXX XXXX for their delay in offering assistance to customers affected by Covid. Ever since I filed the complaint, members of the XXXX XXXX staff began retaliating by failing to report payments for credit or blocking payments online in an attempt to make my payments difficult and/or late. 
Their efforts failed. Their system partners with credit bureaus such as Equifax, XXXX, and XXXX. XXXX has reported XXXX point increase every XXXX months. Equifax and XXXX have reported a XXXX point increase every XXXX months in spite of on time payments. This hinders any progress towards an excellent credit score of XXXX. 

In retaliation to my complaint, XXXX XXXX recently reported a late payment taking place in XX/XX/XXXX by fraudulently stating that the payment was made of XX/XX/XXXX. This was only done after a recent complaint about absent score reporting in which I accused them of withholding up to XXXX points. The entire 3 years and 9 months, my payment score has been 100 % on time. While they only give XXXX point per XXXX months, this false report has in XXXX removed XXXX points. Which was recovered after a complaint with the State Attorney Generals Office. In XXXX in the same month they falsely reported last year in XXXX, XXXX points were deducted in 1 day, based on this false accusation of this false payment made in XX/XX/XXXX. The online credit history and my receipts, both validate and confirm my onetime payment of XX/XX/XXXX, yet the XXXX XXXX, Equifax, XXXX, and XXXX have all opted to ignore the evidence and allowed my credit to be destroyed and damaged after years of effort to obtain good credit. In XXXX XXXX XXXX reached a settlement of {$550.00} XXXX dollars with XXXX states for deceptive loan practices after legal action by the federal government. I estimate my credit would be XXXX, if not for the practices of XXXX XXXX, Equifax, XXXX, and XXXX to subtract hundreds of points from my credit score based on fabrications, retaliation, and fraudulent credit reporting. The lack of legal action has made this organizations arrogant and fearless with corruption towards consumers. Thousands of consumers have communicated on social media, comparing the practices as part of a norm with these organizations. After three years of obtaining XXXX point every few months for continued on time payments, XXXX XXXX, Equifax, XXXX, and XXXX casually deducts hundreds of points sending me back to the beginning of my plight 4 years ago. I would like these companies investigated and my score restored to its actual score between XXXX and XXXX.
Product: Mortgage

On or around XXXX of XXXX, me and my partner applied for a mortgage with NVR mortgage. We applied with NVR mortgage because NVR builder ( XXXX XXXX ) provided up to 6 % in closing cost if we use their preferred lender. That is typical business with a builder and their affiliated lender. During the process, XXXX ( loan officer ) seems to always want us to buy down our rate using their preferred lender credit. Clearly buying down the rate strips us of the 6 % in closing cost that now goes back to NVR instead of our actual closing cost. This is a typical bait and switch. Our credit is or around XXXX, we are putting 5 % down and our XXXX is normal however any rate provided by NVR mortgage is consistently XXXX of a rate higher than the market ( Example based on our credit worthiness on XX/XX/XXXX with no points - at XXXX, XXXX XXXX  rate was 6.82 %, XXXX 6.87 %, XXXX  XXXX 6.93 %, XXXX  6.96 % however NVR mortgage was inflated at around 7.50 % ). In addition, their title affiliated company has inflated settlement fees ( example, settlement fee is {$1000.00} when typically its around {$600.00} for the area ). I believe this company is using a typical bait and switch to trap consumers like me while shaking them down for each XXXX because of the builder/lender affiliation.
Product: Credit card or prepaid card

I received a mailer from USAA that they were providing a complimentary dinner for cardholders in my city, and the mailer notes it is valid through XX/XX/XXXX. I tried to sign up on XX/XX/XXXX, and the link does not work and says the " reservation is closed ''. I talked to a rep and they couldn't give me any information on the program or what was going wrong. 

Lying and sending out marketing about a benefit that isn't real is unfair and deceptive
Product: Debt collection

I have been trying in earnest for over a year to set up a repayment plan I can afford for my student loan. I was finally put in touch with FMS to set up what they call a loan rehab agreement. FMS requires extensive documentation to make these arrangements ; I understand this need, and I do not have a problem with that requirement. However, I have now supplied every document they have asked for four times over a two month period. I have supplied the correct documents with the correct data ; they have acknowledged that I am eligible for the program ; I have begin making payments to them over two months ago, but they continue to contact me requesting the same documents over and over. And although I have been and continue to make payments to them, they continue to call and email me asking for the same documentation and telling me I am still not " officially '' rehabbing my loan even thought they are collecting payments every month. Today I sent them yet again every document they have asked for. I wonder if they are losing my documentation which contains highly sensitive personal information, and I wonder if they just continue to stretch this out to increase their fees. 
Why would the Federal Government enlist such an incompetent or unscrupulous company to act on their behalf?
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXXXXXX XXXX XXXX - XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX Bal {$640.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX, Transunion, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, Transunion, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, Transunion, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please review the accounts and update/correct them. 

XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX had engaged in deceptive business practices by selling used damaged shoes to American 's of XXXX decesent without their knowledge or disclosure. Over the past year XXXX XXXX had sent worn damaged shoes and went I filed a formal complaint and refused to accept anymore used damaged good XXXX XXXX closed out my credit card account with full knowlegdge this would have an immediate impact on the consumer credit score.

XXXX XXXX card is issued by Capital One. According to Capital One consumer credit card agreement they may close or suspend the consumer account at any time and for any reason permitted by law even, if the conusmer is not in default. 

I live in the State of Maryland and there is no law that permitts XXXX XXXX the right to sell used damaged shoes without full disclosure therefore, no laws were broken that permits XXXX XXXX or Capital One the right to close the consumer account. 

In addition, due to the fact I have several other cards by Capital One and can use to make a purchase this is a total contradiction of the reason Capital One closed the account.
Product: Mortgage

Faxed modification XXXX and updated XXXX called today rep said received all paperwork not in review? Just finalized divorce so need to find out if modification approved was sent on time. In California have to review modification prior to sale date was sent prior 30 days
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX In accordance with the Fair Credit Reporting Act XXXX  with Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written Instructions.
Product: Debt collection

I never received written notice for the account in dispute, when I received a copy of my credit report I called Diversified and paid the account immediately XX/XX/2018 ( settlement offer {$400.00} ). The credit is still reporting a balance on my credit after I was told the account would be settled for less with a XXXX balance.
Product: Credit reporting or other personal consumer reports

I am a student and have been since XX/XX/XXXX. On my credit report XXXX XXXX my student loan servicer reported I missed payments XXXX, XXXX and XX/XX/XXXX. This is inaccurate as I am in school deferment. I call XXXX XXXX and Experian multiple times. I was assured the error would be resolved. However, an update to years old dispute was made to my report but not my existing dispute. The errors still remain on my report, managers from Experian don't call me back. 
At this point, my job is being affected as XXXX XXXX denied me a corporate card and I can't travel without it. My job is on the line and I'm in the process of taking additional legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to XXXX XXXX ( Now XXXX XXXX ) and to credit bureaus Experian and XXXX to reinsert my mortgage loan into my credit and my wife credit report. 

XXXX XXXX ( XXXX XXXX ) has confirmed by written on XX/XX/XXXX and XX/XX/XXXX that they have reported the loan for reinsertion to all credit bureaus nonetheless the information still missing on Experian and XXXX. 
Dispute has been opened on XXXX and Experian on XX/XX/XXXX and XX/XX/XXXX. No response has been obtained from the bureaus mentioned above. This is negatively affecting my score. 
Both bureaus Experian and XXXX had been irresponsible and had failed to follow the laws that require them to report accurate information.
Product: Debt collection

Company by the name of Midland Credit management is reporting that I owe XXXX I have never applied for credit so it is either the wrong person or ID theft reached out to the credit agency to have it removed nothing happened, reached out to the company no one never sent me any type of paperwork.
Product: Credit reporting or other personal consumer reports

I have been disputing Credit Acceptance on my credit profile, I was a victim of identity thief and every time I dispute the account it will come back as verified even after I point out multiple violations and prove that all my 3 credit reports are reporting different information from this company they are reporting deceptive information on reports also and is in violation of my consumer rights I have requested a validation letter from the company also requested method of verification from the credit bureaus on how they conducted they investigation. Also I did not authorize XXXX XXXX XXXX to report on credit profile. And I requested that the credit bureaus delete the account and they refused even after I notified them of the deceptive account
Product: Consumer Loan

On or about XXXX XXXX, 2015. Ally Finance repossessed my truck at XXXX days late payment and charged me XXXX payments and tow fees prior to my loan being XXXX days late. They refused to give me any paper work pertaining to the repossession or explain their policy. The contract is not clear as to a time limit for bring late on payments that will push you in to default status. Ally then failed to see my property was returned to me once I payed the money owed and fees. The company they sent to recover the truck was overly aggressive and scared my family as my family felt they were more the victims of a home invasion. The recovery company pulled excessively hard on my front screen door and brutally beat on it. Then proceeded to yell at me in an obvious attempt to incite a negative response and incite may-ham. I had to tell XXXX the owner of the recovery company XXXX '' I can hear you stop yelling all over the neighborhood ''. 

After paying the requested amount of money to Ally. I was not able to recover my truck and was made to wait while the recovery company owner repeatedly lied about getting the release letter for my property. I was unable to recover my property from them until or about XXXX XXXX, 2015
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$7300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$2700.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

please review the equifax data breach I was affected by, in the documents attached.
Product: Prepaid card

On XXXX/XXXX/15 rush card stated they were going to do an " upgrade '' well my payday is Friday XXXX/XXXX/15 and today is sunday XXXX/XXXX/15 and my check is still not deposited. I been told by more than XXXX agentd at rush card that they see myb {$490.00} direct deposit pending but dont know when it will be posted. In the mean time I cant put gas in my cars to go to work, cant buy grocerirs to feed my XXXX kids and cant pay my bills. I kusy want my money loaded so I can be done with rush card.
Product: Credit reporting or other personal consumer reports

I received the results of my credit report dispute from Equifax, CREDIT FILE : XX/XX/scrub>XXXX XXXX XXXX Confirmation # XXXX and XXXX Report Created On : XX/XX/2023File Identification Number : XXXX. The results was not to my satisfaction, because my credit score did not change. Equifax and XXXX reports a credit score that is XXXX points lower than XXXX, which is a drastic difference. This amount of difference shows that Equifax and XXXX are not reporting my credit score correctly.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX on XXXX, XXXX, XXXX balance {$3300.00} under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX balance {$37000.00} under the acct number ( XXXX ), DEPT of EDXXXX opened XXXX XXXX balance {$9600.00}, DEPT OF EDXXXX opened XX/XX/XXXX balance {$4100.00}, DEPT OF ED/XXXX  opened XX/XX/XXXX with balance {$3600.00}, XXXX XXXX XXXX bank balance {$13000.00} XXXX XX/XX/XXXX, with acct number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report.The inquires are as follow : 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX.
Product: Checking or savings account

My bank, Capital One, has been preventing my data from being used by financial services apps. Its prohibited me from creating online account that help me save money through non-traditional savings account means. The problems started occurring maybe about 2 months ago and Capital One has yet to fix it.