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

MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT.UPON REALIZING OUR IDENTITY WAS STOLEN AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES, WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE THEFTS, NOTIFIED ALL THE APPROPRIATE CREDITORS, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE BIRTH OF OUR CHILD AS WELL. I HAVE NOTIFIED CREDIT REPORTING AGENCY EQUIFAX AND XXXX NUMEROUS TIMES VIA FAX AND CERTIFIED MAIL WITH RETURN RECEIPT. EQUIFAX AND XXXX  HAS REFUSED TO HONOR ALL OF MY EVIDENCE, OFFICIAL IDENTITY THEFT POLICE REPORTS, FTC IDENTITY THEFT REPORT, NOTARIZED OFFICIAL AFFIDAVITS AND OTHER SIGNIFICANT PROOF OF THIS CRIME. I HAVE EXHAUSTED ALL MY EFORTS IN RESOLVING THIS PROBLEM. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS ALL THESE FRAUDULENT ACCOUNTS BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Saw two accounts and two inquirires that are not mine they do not belong to me and I have not signed or authorized these accounts or used them for that matter I need help removing these from my credit report they are not mine!!!! 

Account Name : XXXX  XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  - CARD SERVICE Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX  XXXX XXXX  XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint against Upgrade , Inc. regarding unexplained fees and charges to my account, and the subsequent inadequate customer service when I tried to resolve this issue. 

I have previously submitted a complaint dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but both were closed without a satisfactory resolution. Summary of the Issue : I had borrowed a total of {$26000.00} with an interest rate of 16.99 % starting in XX/XX/XXXX and have paid a total of {$33000.00} closing out my balance as of XXXX XXXX XXXX 

At this interest rate, I should have only had to pay a total of {$31000.00} for the 22 months the balance was on my account, so there is at least a {$1500.00} discrepancy. Previously, after spotting a clear error in my statements, I tried reaching out to Upgrade, Inc. directly by phone but received no explanation before the call was terminated. 

I have since filed 2 previous complaints with CFPB, in neither of the company 's responses did they address the discrepancies. Instead, they have simply confirmed the erroneous amounts which the complains were regarding. 

I have thoroughly reviewed my Promissory Notes, Truth in Lending Statements, and the Credit Line Agreement without any explanation of the additional fees I was charged. I have attached these documents for review.
Product: Debt collection

CFPB XXXX : Office of XXXX XXXX  XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : [ Complaint against XXXX XXXX XXXX XXXX. ] for Violations of XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ XXXX XXXX XXXX XXXX ] for multiple violations of federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting XXXX ( FCRA ). 
[ XXXX XXXX XXXX XXXX has engaged in the following unlawful practices : Failure to Provide Validation Notice : [ XXXX XXXX XXXX XXXX ] has failed to provide me with a validation notice as required by 12 CFR 1006.34 ( b ) ( 5 ). This notice should include the amount of the debt, the name of the original creditor, and instructions on how to dispute the debt. 
By failing to provide this information, [ XXXX XXXX XXXX XXXX. ] has violated my rights under the FDCPA and has hindered my ability to dispute the alleged debt. 
Reporting Inaccurate Information to Credit Bureaus : [ XXXX XXXX XXXX XXXX ] has reported inaccurate information to credit reporting agencies without providing me with a reasonable opportunity to dispute the debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
This action has negatively impacted my XXXX XXXX and has caused me significant financial harm. 
Misleading and Deceptive Practices : [ XXXX XXXX XXXX XXXX. ] has engaged in misleading and deceptive practices by contacting me through email, text messages, and phone calls without proper authorization. 
These actions violate the FDCPA and the XXXX XXXX XXXX XXXX ( XXXX ). 
Unauthorized Reporting to Credit Bureaus : [ XXXX XXXX XXXX XXXX ] has furnished information to credit reporting agencies without providing the required disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ). 
This action is a clear violation of the FCRA. 
I am demanding that [ XXXX XXXX XXXX XXXX ] immediately cease all collection activities and take the following actions : Provide Validation Notice : [ XXXX XXXX XXXX XXXX ] must provide me with a written validation notice that includes the amount of the debt, the name of the original creditor, and instructions on how to dispute the debt. 
Correct Inaccurate Information : [ XXXX XXXX XXXX XXXX ] must correct any inaccurate information it has reported to credit reporting agencies. 
Cease Unlawful Communication : [ XXXX XXXX XXXX XXXX ] must cease all communication with me, except through written mail. 
Provide Proof of Debt Ownership and Licensing : [ XXXX XXXX XXXX XXXX ] must provide me with proof of its ownership of the debt and its licensing to collect debts in my state. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against [ XXXX XXXX XXXX XXXX. ] Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, La. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My husband lost his job XX/XX/XXXX. He began drawing unemployment in XX/XX/XXXX, we remained current on house note until XX/XX/XXXX when his unemployment ran out. Louisiana issued stay at home orders during the time he was on unemployment but we continued to apply for employment through resumes. No hiring was taking place as we had to stay home. My mortgage company refused to work with us from day one. They belittled, battered, double teamed us and the only answer they would give us was borrow from family/friends. We have no one to borrow from. After three surge 's of pandemic and two hurricanes, they still refused to work with us. They have treated us as though we were stupid, telling us we never spoke with people we know we had, harassed us, calling all hours of the evening, after XXXX and at or before XXXX XXXX  and holidays. We finally stopped speaker ng with them. They have offered no loan modification, and our house will be sold XX/XX/XXXX. We are both ill with XXXX  XXXX and will be homeless when evicted.
Product: Credit reporting or other personal consumer reports

I ordered a dress from a merchant on XXXX XXXX XXXXXX/XX/year> for {$120.00} and I received the dress on XX/XX/year>. On receiving the item, the size was smaller than indicated on the website, so I returned it on XX/XX/year> and the merchant received my return. 

I requested an Affirm loan and made the downpayment of {$32.00} from my credit card. My vendor refused to initiate the refund or give store credit after receiving my return claiming that the tag came off which is not true. I have also contacted Affirm several times explaining the issue but to no avail. 

My last payment was XX/XX/year> for {$32.00} and {$1.00} which is not up to XXXX days and my account was wrongly charged off.
Product: Debt collection

I believe I open XXXX inquires against Chase Credit Card XXXX is : XXXX and the other XXXX : XXXX. 
You agency put this XXXX complaints as a duplicate. 
I believe I asked your agency to ask Chase to stop any communication with me until they Proof a signed Card agreement. 
As the Letter I 'm attaching the copy of the letter dated XXXX XXXX 2016 also I 'm attaching the ongoing Monthly Statement Chase Trying to still collect these Illegal Late charges they still want to collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that loan care has mis-reported my payments. 

I have paid every 30 days so if there was a late payment, there would never have been a time that there was a payment more than 30 days late. 

Also when the make up payment was received in XX/XX/2020, there were no instructions to apply to principal - and if that were a standard, then why wouldn't every underpayment have been applied to principal. 

There was never a late notice or phone call on this account, but there are notices on my other loan care loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment and was denied base on the company XXXX consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX an TRANSUNION I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., XXXX MY ACCOUNT # XXXX TRANSUNION XXXX.MY ACCOUNT # XXXX 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. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent .. XXXX ACCOUNTS ARE... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all unauthorized an have no Permissible useXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on please validate an delete at once
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX has declined my request to remove outdated addresses from my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX And I wish to add my current address which is : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I contacted self credit report in regards of an dispute with XXXX stating that my balance is currently {$1600.00} when my balance is {$900.00}. I asked self representive to please respond to XXXX  with my accurate balance she told me no she not properly investigate and let them know my balance. I am trying to close on a home and this is effecting me by having innacurate on my report this is a violation of code 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN and wallet was stolen I reported it but nothing was done in being charged for cars and other things on my credit I'm unable to rent a house or purchase a car and open a bank account
Product: Debt collection

I just got an alert about a debt on my credit report. I am disputing the debt as it is not mine. I received no notice to dispute the debt and this is a violation of my rights. I do not owe this debt.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. My last dispute was deemed accurate and I was told that it would remain after being in investigation less than XXXX hours! Thats impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TRANSUNION, XXXX, XXXX  any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

Concerning the accounts listed below as a CONSUMER IM DEMANDING A DELETION of these accounts ... ..
Product: Consumer Loan

Santander Bank formerly XXXX has falsely reported to all the credit agencies wrong. THey reacted to a former complaint of mine and vehemently disagreed. However they changed their information on the XXXX credit bureaus three different times late on three different statements. I was never late. SO here it is in order 1 ) ON XXXX/XXXX/XXXX I contested that they reported wrong on my report ( attached ) that in XXXX and XXXX of XXXX I was not late. I enclosed statements that proved I was n't late. Now to XXXX attached that is what they showed. 
2 ) On XXXX XXXX XXXX I got a letter back from Santander saying indeed I was late. 
3 ) On my XXXX report Santander now has switched the late months to XXXX XXXX and XXXX of XXXX and now show XXXX and XXXX which I had contested before as paid. 
4 ) On another credit reporting service XXXX Santander at another time showed not late any payments.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax multiple times to get these hard inquiries off my credit report. The XXXX XXXX ones should be off as they are for real estate and should not be pulling as they over a year old. XXXX is also a real estate and is XXXX years old and should be deleted. Please have them fix this, I am trying to improve my credit score to buy a new home. 

Thank you so much
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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: Debt collection

Aargon agency is saying I owe XXXX debts for hospital bills that I never received. After calling XXXX that they claimed I owe, the hospital told me I need to contact them and GET the account numbers from them because thats not the balance they show for me. I have low income so if I owed a balance I would have tried to get a small payment plan before they applied it on my credit report. This debt is now hindering from obtaining credit from different companies.
Product: Debt collection

NEW CENTURY FINANCIAL SERVICES, INC. tried to garnish my wages   XXXX   within this letter it referenced a Docket Number   XXXX   XXXX   I researched NJ courts website and found that there was a Civil Judgment against me   XXXX   XXXX  . I had no knowledge of this judgment, I was never served, I had left the state of NJ   XXXX   XXXX   when I relocated to MI. I contacted several lawyers in   XXXX   to appeal the Judgement, and have it vacated. No lawyer would take my case " As it was n't worth it, as the alleged debt was {$460.00} and their fees would be in excess of {$2000.00} ''.   I wrote a lette  XXXX   XXXX   XXXX   XXXX   to the  XXXX  court to the presiding  XXXX  explaining my situation, I had this letter notarized and wrote a statement at the bottom stating that all the above was true etc. I submitted my  XXXX  form for  XXXX  from my employer in  XXXX  and a copy of my lease, reflecting my MI address.   The courts scheduled A WAGE EXECUTION Hearing   XXXX   XXXX   XXXX   XXXX  n front of   XXXX   XXXX   XXXX   XXXX  . I could not attend the court hearing and phone the judges clerk who advised me to submit a fax stating the reasons. I requested if I could attend via telephone, this request was denied. I believe the ruling was that the judge denied the wage garnishment, however when I contacted the courts, I was told that I had wavered my rights to know the outcome as I did not attend. I have looked on the   XXXX   courts website and as far as I can understand it was " Disposed ''??   I recently contacted the court and requested the case files, which I am waiting on.   Is there anything that I can do? I feel helpless, this has negativley impacted my  credit score . It will continue to be reported until  XXXX . I can not understand how this can go this far without my knowledge. I was never contacted regarding this debt prior to  XXXX . I have spent time and money trying to rectify this situation, all to no avail.   Thank you in advance for your kind attention regarding this matter I would like to state that during the  XXXX  years living at my  XXXX  address, my mail was always being mis-delivered as there was a similar address in the same city.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I bought a boat that I found market place. I went on XXXX and paid for it. Unbeknownst to me the seller told me that his XXXX acct was deactivated. I immediately called my bank and ask for them to stop or reverse payment because I sent money to a deactivated account. The banker let me know it was OK and no problem doing this and even though it had already went through I would get it back in 7-10 days I paid {$4000.00} to this deactivated account. I ask the bank if he was sure I would get this back because I couldn't pay twice for this boat. So the banker The seller my husband and I all stayed on the phone together until we got the seller paid. Because I had already sent {$4000.00} to the seller through XXXX XXXX ( meta pay ) the banker had to raise my limits on my card to get this payment to go through on XXXX XXXX after trying 2 times on XXXX XXXX it finally went through. The banker informed me that 1 of the payments through XXXX XXXX he had already declined and wouldn't even show up on my statement but i would see the meta pay transactions back in 7-10 business days. 
On XX/XX/year> I noticed money back in my account just like the banker said. 
Unbeknownst to me instead of meta putting the money back into my account my bank ( XXXX XXXX ) had gave me a provisional credit that I was never notified of or never ask them to do. Well on XX/XX/year> the provisional credit was reversed and my bank told me that I didn't get them the info they requested. I was never informed that they need more info. So they denied my claim that I never really knew I had and would not reopen it even though I told them to go back to XX/XX/XXXX and listen to the recorded phone call and they would see. They end with telling me it was between me and Meta because I sent the pay.ent willingly. Well I have been round round and round trying to get someone from meta to release my money I can still see it in XXXX sitting there waiting to be accepted but the only people i can reach at meta is people that can only filenew claims so I filed about 30 if not more and all the do is send me the same response with a survey. This has been a nightmare. Metas policy is if the payment goes 7 days without being accepted it cancels and is returned to sender. This {$4000.00} mistake that my bank help me make has cost me about {$8000.00} and I'm fixing to lose everything if I can't find someone to help fix this for me.