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

I have 2 mortgages with XXXX XXXX XXXX XXXX. Both of those were set on auto pay but for some reason one of the mortgages did not process the payments. So for # 1 Auto Pay worked. For the # 2 did not. This was not issue with insufficient funds or something like that. Their system did not process the payments. 

This was unknown to me for 3 months until I received the notification from the Credit Bureaus that I am late on my loan for 90 days. When contacted XXXX they sent me to their new processing company. And they said that it was my responsibility to keep tabs on the payments and they carry no responsibility for their system not processing the payments, even though they found issues on their end. I have to say that I believe that it can not be just my responsibility as I have hundreds of bills. If auto-pay did not work, or I had to check every payment, every month, I would be doing nothing else but confirming paid bills every hour of every day. 

I received no calls, no emails, no any kind of notification that payments did not go through. 

My account has been settled and all previous missing payments have been paid off but I carry a derogatory mark. I kindly request to remove this as it was an issue on the processor 's system and not issue with me not paying it.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person 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 ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Yours Sincerely XXXX XXXX
Product: Vehicle loan or lease

Got loan with co-signer not signing or permission. I was mentally unstable senior citizen on a fixed income. Couldnt afford loan payments
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX,, 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 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 to any 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

This is the several times I've complained about some erroneous items in my report. You must delete these items that were opened without my knowledge, consent, or authority within XXXX business days.These items are damaging my file and needs to be deleted. 

XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. The specific account ( s ) in question include : * Account XXXX : XXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. * CRAs must block the information within four business days of receiving the required documentation. 2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. * I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ). 2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 3. A revised copy of my credit report reflecting these corrections. Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple XXXX  loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATIONXXXX XXXX which accumulated over {$200000.00}
Product: Credit card or prepaid card

I spoke to several agents on XXXX to get my cash rewards of {$65.00} mailed to me or put in my bank account and several agents were rude and told me my account is in collections and I could not get my cash rewards which is not true my account is in good standing and not in collections can you please fix this. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment REPUBLIC/NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX, CA XXXX XX/XX/year> Previous Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX ( es ) XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

In XXXX of 2020, I discovered that I had become a victim of identity theft. After being denied for a credit card, I checked my credit report and saw several XXXX XXXX in total ) student loans that had been taken out in my name totaling $ XXXX. All of these loans are open and have not been paid on for years resulting in them continually gaining interest. I sent in a letter notifying all XXXX credit bureaus that my identity had been used fraudulently, along with a FTC affidavit and a police report but they refused to block the account stating that it was " validated ''. When asked why they refused to block the accounts when I'm showing adequate proof that the accounts were not mine, and provided them with the proper documents needed to have the accounts removed they declined to answer. 

I followed up by requesting that the creditor provide me with details on what method they used to " validate '' the account, all while forbidding them from using E-Oscar to do so but they disregarded my request and sent another letter stating that all XXXX accounts were validated. I specifically requested that they provide me with physical proof of a contract with my signature showing that the debt is mine but again, they ignored my request and continue to state that the debt was " validated '' with no physical proof nor explaining which method they used to do so. 

Recently, I sent in a letter of Notice to XXXX of Information to the creditor to let them know that per the FCRA, they MUST report accurate information only and once again, they ignored my claim and continued to state that all accounts were " validated ''. Time and time again they have continued to violate the FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion was immediately notified of the IDENTITY THEFT and FRAUD regarding CRB Upgrade and XXXX XXXX. A FREEZE was initiated on my report yet, they still report the DISPUTED FRAUDULENT CRB Upgrade account and several FRAUDULENT inquiries. 

TransUnion has blatantly refused to comply with the FCRA for five consecutive months and counting.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. violation of 15 USC 1681g - Failure to provide full disclosure. remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. i do not recognize this account. Please provide copy of original creditor application proof of ownership and electronic signature XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXXXX/XX/XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

7. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XX/XX/XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

8. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Debt collection

THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On it around XXXX I saw a lot of pre approvals on my Credit Karma account XXXX At first, I didnt pay attention to it but credit karma continued to send me all sorts of different pre-approvals telling me I was pre approved for credit cards, personal loans and car loans and that I can refinance my vehicle. Everyday I would see these offers everytime I logged in to check my credit scores. After a few months of being told that I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through credit karma I started telling my whole family about vacations and investments we were going to use these pre approvals for. I finally applied on or around XXXX and got denied various times for credit cards and auto loans. I was distraught. I was very angry and I felt deceived. I was marketed to for months by credit karma telling me I was pre-approved and this was a lie! 

Everytime I see pre-approvals now I close my phone or shut my computer off because I have XXXX and XXXX  now. As a result of my credit score being effected my XXXX is really bad and I get XXXX XXXX  often now. 

As a result of Credit Karmas deceptive practices I applied for various lines of credit and was denied. Credit karma told me I was pre-approved but I was not actually pre-approved. This has effected my credit immensely and cause me emotional distress. I worked very hard to raise my credit score and these denials are effecting my credit.
Product: Checking or savings account

On XX/XX/2019 I received a promotion on my email from Bank of America exclusively for me were they offered me {$300.00}, If I open a new checking account with them. The terms were after qualifying direct deposits of {$4000.00} in 60 days. 
I opened an account and qualified with the terms. On XX/XX/XXXX I called Bank of America to check the status of the {$300.00} dollars and they told me that I was not included in that promotion. I gave them proof of the email I received on XX/XX/2019, p and they asked to start an escalation which I did and that I had to wait 7 business days. I called after 7 business days for a second time and I was told to wait 30 more days because takes 30 days now. I did called again yesterday after 90 days since account was opened and asked for the status of my {$300.00} and results escalation. Now I was told that had to wait 60 more days! I asked the person that I was given different information every time I called Bank of America.
Product: Mortgage

I have called this bank NUMEROUS times to try and resolve my issue of the bank REISSUING cashiers check number XXXX dated XX/XX/2022 in the amount of XXXX This check was damaged, never cashed and needs to be reissued. I do not know what their problem is. 
I have called SOOOOO many times, and no one has reissued this check. I understand it must be payable to XXXX XXXX, Please reissue this check for escrow refund. Home has been sold and loan paid for long ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  : On XX/XX/XXXX purchased a car from XXXX XXXX XXXX escape. Around XX/XX/XXXX I learned that XXXX was being sued and it was a class action lawsuit for charging to much interest in Pennsylvania. I contacted XXXX in XX/XX/XXXX and told them I no longer wanted the car. The car was paid up and that they could repossess it. They told me fine but I would have to wait 90 days without payment for them to take any action. XX/XX/XXXX they repossessed the car and now has the car listed on my credit report as an involuntary repossession and still reporting my car as having missed payments. I called the bureaus and they did not help me just putting the file back to original status. I want the original documents that I signed and now to have it removed off the reports. I also see that it is reporting different on all bureaus. They are different days of the last reported date and one bureau equifax is reporting more months of late payments than the other 2. I voluntarily gave the car back and I need to see the original documents that I signed I requested this from the bureaus but no one sent me anything. I want this off my report or correct the repocession info to voluntarily and erase the missed payments thank you
Product: Debt collection

I use XXXX XXXX Service at my house. My account number is XXXX. According to my credit report, Focus Receivables Management, along with XXXX XXXX XXXX, fraudulently tried to embezzle {$170.00} and committed other illegal acts such as grand larceny and trespassing on private property illegally. At this time, an unknown party, illegally removed the XXXX XXXX XXXX XXXX from my house and committed grand larceny in the process. I have a clear copy of my credit report. I also have a clear copy of my contract with XXXX XXXX. I am ready to consider a lawsuit against all co-defendants in this situation. I have never contacted XXXX XXXX XXXX or its affiliates. I never have conducted any type of business with them. They did not have lawful permission to be at my place of business. I am the XXXX of XXXX XXXX, a small consultation firm. I also have legal representation and I am ready to file a lawsuit against all culpable parties. The information on my credit report is not accurate. It is a result of grand larceny and identity theft. Additionally, XXXX XXXX XXXX and Focus Receivables Management are claiming that the information on my credit report is more than 7 years old, a time period that is beyond the legal statute of limitations in NYS. The Fair Bulling Credit Act does not allow this collection agency to illegally put this false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not get my credit report thru their main website or my annual credit report. Shows no credit history or my tradelines. 
Need to be compensated for this for violations of my rights under the fair credit reporting Act. Violation {$1000.00} per occurences which is a total of 5 violations so need payment of {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Comenity Bank/Victoria 's Secret consumer credit card on XX/XX/XXXX. From the date the account was open in XXXX I remained current on all payments. In XX/XX/XXXX I took a job with a small medical practice that mainly served the geriatric population. The first COVID19 cases were being reported in late XXXX and our geriatric patient population began declining significantly due to the fear of being in a healthcare setting during an outbreak of a deadly virus. My hours were cut significantly at the beginning of XXXX and I was completely laid off at the end of XXXX due to lack of work. I missed my XXXX payment on my Comenity Bank/Victoria 's secret credit card due to the lack of working hours and uncertainty of financial stability at that time. In XXXX I was approved for unemployment assistance at which time I resumed payments on this card. I disputed the late charge that was reported to the credit bureau along with proof that I was laid off due to the Pandemic. After several disputes and explanation of my situation along with proof, Comenity Bank/Victoria 's secret still refuses to remove the late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I LIVE IN XXXX, TN  BUT SEEING ACCOUNTS OPENED IN THE STATE OD TEXAS   THESE ACCOUNTS ARE DO TO A DATA BREACH CAUSE I HAVE NEVER OPENED ACCOUNTS IN TEXAS
Product: Debt collection

Around summer of 2012 I went to a courtroom downtown XXXX and explained to the lawyer/arbitrator that I was a victim of identity theft, I presented the XXXX Police Department case number and all that I had at the time, along with IRS tax record to show that this person was filing taxes in my name as well. Although, they had my license, a signature close to mine and the agreement it was not me because during that time I was on unemployment and could not take out any loans with unearned income, which I explained at that time. Now, I have been receiving harassing call from and mail outs from XXXX, XXXX, and XXXX XXXX from this creditor about garnishing a check from a company that I no longer work for, for debt that does not belong to me. I received a letter at the mailing address in XXXX that there is a remaining sum of {$31000.00} which represents the Judgement amount plus interest garnishing earned wages that does not belong to me.