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

Experian advised that they verified incorrect information reporting on my credit report. I asked for proof of the verification and was not provided any. I was advised that the information was verified, however I have never been supplied with any proof. After going to company that Experian alleges that verified information, I was advised in writing by XXXX XXXX and Bankruptcy court that the information provided by Experian is a lie because the courts do not verify information. XXXX XXXX also advised that they have not supplied Experian with any information regarding this incorrect information that is erroneously reported on my credit report. It is very evident that representatives at Experian are NOT verifying or validating any information, however are only responding with form letters without any due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX remove reporting that capital is reporting pays on time but removed 66 points from my XXXX  profile with XXXX XXXX. Theses practices are fraudulent and must stop. If Iam on time why Iam Iam I losing points One part of the report says Iam doing good then the other says I missed a report. It's confusing and my score she not be affected by XXXX or XXXX XXXX inaccuracies.
Product: Debt collection

This company refuses to provide me verification and validation of debt. They will not respond to my letters and there is no phone number to reach them. This debt is in dispute because i do not owe this and have no idea what this is for. This is past the 7 years to report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB - CARD SERVICES XXXX XXXX XXXX XXXX JPMCB - CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir, Maam, Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

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

MY IDENTITY WAS STOLEN AND SOMEONE TRIED TO RUN MY CREDIT NUMEROUS TIMES ACROSS ALL THE MAJOR BUREAUS, I HAD MY CREDIT RUN OVER 30 TIMES FOR ALL DIFFERENT TYPES OF BANKS THAT I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THESE INQUIRIES ARE ALL FRAUDULENT AND HAVE NO PERMISSIBLE PURPOSE. TRANS UNION, XXXX, AND XXXX  have FAILED TO RESPOND TO MY REPEATED ATTEMPTS TO REMOVE A FRAUDULENT ACCOUNT THAT WAS PLACED BY XXXX I have called, mailed, and disputed online and they still have not to removed the account even though XXXX confirmed it was fraudulent. I HAVE MANY ACCOUNTS IN GOOD STANDING AND THIS HAS BEEN AFFECTING ME FOR YEARS. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Product: Debt collection

I filed Bankruptcy in 2017 which i had one XXXX XXXX act that was included in bankruptcy. now they are sending me notification stating i had a second account with XXXX XXXX that was not included in bankruptcy- However on that acct my first name is spelled wrong and i told them every thing i had with XXXX XXXX was included in my bankruptcy- I tried to have the debt validated, but they just send me back communication from XXXX XXXX with my name spelled wrong.
Product: Checking or savings account

I have been with XXXX  XXXX XXXX for over 25 years I would say maybe 2 years ago I requested a Credit Card with a small limit and waited for a response... ..Soon after i noticed that {$19.00} was taking from my Account and suddenly this was taking every month, so after some research i noticed that it started On XX/XX/XXXX. I reached out to XXXX  XXXX XXXX by phone and they mentioned they had no idea of this and suggested i reach out to this company which is called Trans-Union who claim to be a Credit Checking company who works for XXXX XXXX  XXXX XXXX I now made a call to XXXX  XXXX XXXX who denies they work or Affiliated with this Credit Service. 
Trans Union Charged my Card every month starting in XXXX to the End of XXXX After a year of more research it turns out XXXX  XXXX XXXX does use Trans Union as a service. so in the end it seems XXXX  XXXX XXXX was aware of this and did not help with the Fraud this company has been apart of, I have never signed or verbally agreed to and Credit evaluation or checks with Trans Union..The Total amount they stole from my Account is in XXXX {$140.00} .... XXXX {$230.00} ... XXXX {$230.00} ... XXXX {$230.00} This Totals out to {$710.00} which Trans Union has Taken from my account without Consent or approval either verbal or written... I honestly hope to here back from you and would really hope you can help with this matter... I am just a small time consumer who is getting taken advantage of by these larger companies, who prey on the smaller consumers who do not have much to begin with ... .Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that 'There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute.

According to 15 USC 1681 section 604a ( 2 ), 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' The furnisher of information never informed me of my right to exercise my nondisclosure option.

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that '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. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent a loan offer via live check through the mail for a {$69000.00} loan around XX/XX/2016. According to my bank account records, that loan was accepted and check deposited on XXXX. The terms were most likely for 12 months at a ridiculous APR based on the rule of XXXX installment loan repayment model. My bank documents and check register show I paid {$100.00} on XXXX, {$100.00} on XXXX, and to pay off the loan in full early paid {$590.00} on XXXX. Instead of applying the last payment to pay account in full, XXXX XXXX used that payment to apply monthly payments for several months fo which I received no statements of any kind. And after the funds I paid were used to their benefit, they began to call and even come by my home requesting payment. I went to the business and spoke with the supervisor at the time and even called the headquarters in my area to dispute their request for more payments. I had to threaten to take the issue to a higher financial or business authority. After all was said and done, I DID NOT PAY ADDITIONAL FUNDS AND MY ACCOUNT WAS MARKED PAID IN FULL. I just found out recently that XXXX XXXX reported my account as a delinquency of 60 plus days to TansUnion. I disputed the information with TransUnion and their " investigation '' claimed the information was accurate. I vehemently deny any reportable delinquency for this aged account and would like it removed from my credit report.
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 following 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXX Balance XXXX {$4600.00} XXXX XXXX XXXX XX/XX/2022
Product: Vehicle loan or lease

The reason I'm filing this complaint against Mid Florida Financing LLC is i have asked them several occasions to shave some on the financial responsibility off of the loan that they sponsored in XX/XX/XXXX and they are not cooperative in regard to the situation that has evolved over the past year with my current XXXXXXXX XXXX XXXX  The vehicle is XXXX down nearly XXXX in regards to value and I still have XXXX XXXX years left on the loan. The sales person at Ok cars a year ago told me the vehicle loan was for XXXX XXXX years and now after examing the loan further, I was lied to and it actually is a XXXX XXXX year loan. With XXXX XXXX years left on the loan, I'm now in question of the whole transaction. They did not disclose a recall on the vehicle with the XXXX models of XXXX XXXX having a major issue with the paint peeling on the whole vehicle. The vehicle is peeling so badly that it needs repainted immediately and I need a vehicle that's at least, not all around peeling paint daily. I called them 3 months ago about the issue and asked them to repaint the vehicle and they refused, but it is under warranty, it does not cover paint. My point is I owe XXXX and have XXXX XXXX years left to pay the loan off. I need help in either lowering the cost of the remainder of the loan, a paint job or have them pay for the paint job. I'm very disappointed and scared at this moment on the future of the vehicle and I need assistance with this subject before I end up with no paint. I have contacted the loan company and they refuse to do anything but saying for me to paint the car and they would knock some payments off the end of the loan. Thats not going to help me as a consumer who was lied to about the length of the term of the loan and was not disclosed information at purchase about the recall of the paint or the actual loan being XXXX XXXX years. And I know the loan was signed however, the salesperson XXXX at the dealership ok cars, knows what I was told at the dealership. I would appreciate anything that you help with to rectify the issue. I feel cornered and helpless. Thank you. Are the dealerships having to disclose a recall on a vehicle by law, I believe so and ok cars has refused to help. Now I have a XXXX XXXX balance on a car that is peeling paint extremely. If I would have been made aware of the recall, I would have never signed the loan and purchased the vehicle. Also, the car is XXXX XXXX down and will destroy my credit if I let them take it back. I need a remedy.
Product: Debt collection

by law I don't owe this company I did sign or make a deal with them. 
and if this letter don't work and they need to take this off my bureau.
Product: Bank account or service

2 months ago. i need it at checking account so i went into well Fargo and open up a checking account I gave the banker employee all my information for the bank employee to submitted and conclued open up my checking account i deposit {$100.00} and during the course of two months i deposit XXXX money orders that i buy it from XXXX XXXX but i was not able to use it so i deposited into my account and i have received XXXX deposit of {$530.00} so 2 weeks ago i call welll fargo due to i was not able to check my account on line. i was specting at deposit from XXXX XXXX XXXX from florida the banker indicate that my account has been close due to at suspicius activity to confirm what the bank its talking about it i went to the branch on XXXX XXXX XXXX and requested for at print out of my account history i read it and found all my deposit and bank activitys corrected it i have found nothing unusual or unathorized so i ask the bank to gave me the reason why my account its closed the bank didnt gave me at reason it all.but Iam on the inpression that this got something to do with XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting

I disputed multiple collection accounts  (    XXXX   XXXX   XXXX   &amp;  XXXX  ) with equifax and  XXXX . The accounts were deleted on both but now equifax has reinserted accounts from both collection agencies on my credit report. Also Equifax has been very uncooperative in removing the excessive amount of hard inquiries that I asked to be removed. I 've called and also faxed a multiple inquiry removal letter and have heard nothing back. My Score through equifax is really suffering, it 's close to  XXXX  points off from my other  XXXX  scores.
Product: Credit reporting or other personal consumer reports

I have inquiries in my name that I didnt authorize nor recognize. 
And I also have a credit account in my name that I didnt authorize.And Capital One has my credit information, due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance : {$6800.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$230.00XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I paid the balance owed do the I could close the account and then the balance changed on the same card without me making new charges and the account is no being reported late and me still owing money when the card was asked to be closed lager I paid all the late fees and charges on the card. I have included a picture of my last statement showing the balance that I paid and they added to the balance after the placed showed was paid in full and asked to be closed per the customer. please look at the statement I have included and you will see the discrepancy in the amount of the balance.
Product: Credit reporting or other personal consumer reports

Despite providing comprehensive evidence, including identity verification, proof of address, and a valid identity theft report, XXXX and TransUnion have failed to remove the following disputed accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were disputed as fraudulent and unverifiable. Under FCRA 611, unverifiable information must be deleted. 

However, the credit bureaus continue to report these accounts without providing evidence to support their accuracy. 

This lack of action violates my rights under the Fair Credit Reporting Act and has caused significant harm to my creditworthiness and financial stability. Despite multiple submissions of all required documentation, including a valid FTC identity theft report and supporting evidence, the investigation process has been inadequate and non-compliant.
Product: Debt collection

I just ( XX/XX/22 ) received a letter from my employer about wage garnishment that will start on XX/XX/22. That I had no idea about any type of legal action against me.. And the amount that are wanting to garnish will ultimately cause me to not be able to pay my mortgage and the needs of my children..
Product: Mortgage

On XX/XX/2019 I received notice from my prior mortgage servicer that my loan was being transferred to Shellpoint Mortgage Servicing ( " Shellpoint '' ) effective XX/XX/2019 and payments should be accepted by Shellpoint on or after XX/XX/2019 ( the " Notice '' ). The Notice from my prior servicer did not contain a new loan number, but rather referenced Shellpoint 's customer servicer phone number and address. Since such time of receipt the Notice, I have attempted to email and call Shellpoint approximately 20 times to locate an account number to process my mortgage payments. Many times I wait on hold for longer than 10 minutes, and have no success in obtaining an account number, being identified as a customer or successfully being escalated to a specialist for further research. Most recently on XX/XX/2019 I waited on hold for 42 minutes to only have the phone disconnect ( without any fault of mine ). I have also attempted to establish an online account with Shellpoint ; however without a loan number an account to process a mortgage payment can not be established. Additionally, I have connected with my prior servicer and lender over the phone and both confirm my loan has been transferred to Shellpoint. Moreover, my home owner 's insurance policy has been updated to name Shellpoint as the lienholder, which was communicated to me via US mail and contained an incorrect reference loan number on the communication. Lastly, on XX/XX/2019 Shellpoint requested I coldcall many other mortgage servicers to see if they had my loan and I was provided by a Shellpoint representative with 3 other phone numbers. Upon my calling of other mortgage servicers I was unable to locate a loan number.
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a XXXX XXXX XXXX and was presented a Fact Report saying that the car was being sold because it had only one rear end accident, however after having to purchase 2 tires in 4 months and thinking having a front end alignment. Was told by the repairman the car had a bent frame the results of a front end collision, needed to have repaired. However could not having a {$460.00} monthly note. Asked for a note extension was denied by Bridgecrest Financial wanted to work problem out but requested extension was denied. Car was purchased from XXXX. please
Product: Debt collection

XX/XX/2018 XXXX I've tried sending documents this debt is because of identity theft