23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This dispute that I continuosly have with Equifax is their blatant refusal to remove items from my credit report that does n't belong to me and that I have sent in FTC Affidavits, Police Reports and other supporting documentation. They refuse to block the information based on identity theft and the fair credit reporting act that supports me. They continously dispute as an everyday dispute. Stating the same resolution as the information has been verified as to belong to you. Based on me reading the 605 b Identity theft rule credit reporting agencies have 4 business days to block said information. I want these items removed and blocked. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. All of these accounts were opened without my authorization and the should be removed. Also, I am also asking Equifax to remove these XXXX addresses that continues to pop up on my report that I have never lived. XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Reported : XX/XX/2016
Product: Debt collection

I, XXXX XXXX entered a consumer credit card transaction with XXXX XXXXXXXX and in XXXX  sold my private information to Portfolio Recovery Associates LLC. Pursuant 15 USC 6802b XXXX XXXX never disclosed to me that I had the option to opt out of this transaction being reported. My social security number is an open-ended credit plan. Pursuant 15 USC 1692g I am the original creditor, natural person, private individual of this account. 15 USC 1602d the term " organization '' means corporation, government, governmental subdivision or agency, trust, estate, partnership, cooperative, or association, XXXX XXXX is a corporation. XXXX XXXX also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This credit arose from a credit card which is supposed to be excluded from my consumer report. My account was sold to a third party without my consent or my permission. As a natural person/ private individual, how can a corporation/ legal person sell or report my private information to a third party without my permission or my consent? Without my written permission it is Identity theft. Portfolio Recovery Association LLC has violated my rights as a Federally Protected Consumer. Several Federal laws under XXXX XXXX XXXX & XXXX XXXX XXXX have been violated and are noted in my Exhibits. I will also be reporting this identity theft to the FTC as well as the state attorney general 's office. Also, each violation is a fine {$1000.00}.
Product: Vehicle loan or lease

On XXXX XXXX, 2022, I entered a consumer credit transaction with CARVANA LLC. During my consumer credit transaction, I did not receive all the proper disclosures, one specifically the right to rescind. Due to not being given proper disclosures on how to exercise my right to rescind, CARVANA LLC is in violation of Truth In Lending Act 15 USC 1635. The creditor, CARVANA LLC, was supposed to clearly and conspicuously disclose as well as provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise the right to rescind. This law states that I have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction. 

15 USC 1635 states ; ( b ) Return of money or property following rescission when an obligor exercises his right to rescind under section ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a recission. It also states that the obligor may retain possession of any property delivered by the creditor if the return of the property would be impracticable or inequitable. The property is equitable to me because it is my daily mode of transportation for myself and my family.

Within 20 days after receipt of a notice of recission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or~ appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it [ ].

The transaction was done unfairly because I did not receive proper disclosures, I put a cash down payment in a consumer credit transaction which is in violation of 15 USC 1605, and my finance charge was not the sum of all charges. 15 USC 1640 states that since my finance charge was not the sum of all charges, CARVANA LLC is in violation, and I am due double the amount of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/2019
Product: Mortgage

My mortgage was sold to a new loan servicer called BSI Financial Services. The loan is a portfolio loan consisting of 7 properties. BSI Financial has only paid taxes on 1 out of the 7 properties using my escrow account. I have been following up with them since XXXX. It is now XX/XX/XXXX, and my taxes are still not paid. There are plenty of funds in my escrow account to cover the taxes. Also, there is now a 10 % penalty that needs to be paid due to the lateness. I am afraid there will be a tax lien on my houses. What is the purpose of having an impound account open with them if they are not paying anything out of it? I tell them to close my impound account, so I can pay the taxes myself. They say they can't.
Product: Debt collection

In XX/XX/XXXX, I contacted XXXX XXXX XXXX several times regarding my Stand Alone 50 internet service not working. After several telephone calls to XXXX XXXX XXXX and several visits to my house by an XXXX XXXX XXXX service tech over the course of two months XXXX XXXX XXXX was unable to get the service to work correctly. 

On or around XX/XX/XXXX, the XXXX XXXX XXXX service tech was again at my house and unable to get the service to work properly. He advised me that in order to get the XXXX XXXX XXXX service to work I needed to switch to fiber optic service. I agreed to take the fiber optic service for a year. The fiber optic service was supposed to be a speed of 300 Mbps. Over the next few weeks, the speed rarely exceeded 25 mbps. I made several more telephone calls to XXXX XXXX XXXX regarding its failure to provide the contracted for service. 

On or around XX/XX/XXXX, when XXXX XXXX XXXX was still not able to provide the contracted service I canceled and switched to XXXX. XXXX XXXX XXXX credited my account for all service fees during the time the service was broken. 

On XX/XX/XXXX, I received a Final Notice from XXXX XXXX XXXX stating that I owed an early termination fee of {$130.00}. I called XXXX XXXX XXXX at XXXX XXXX and spoke with XXXX ( sp? ). I advised XXXX that XXXX XXXX XXXX never provided the contracted for service and therefore theres no termination fee. XXXX advised that as the amount of billing credit was over his limit, he would need to get a supervisors approval. I was informed that someone would be calling me in the next few days. No one ever called. 

On XX/XX/XXXX, I received an email from a debt collection agency, MRS Associates. I responded to the email that XXXX XXXX XXXX has failed to inform them that this is a disputed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several disputes have been filed with the Capital One Auto finance and I called and still have no resolution. 

They continued to report on an account which was closed in XXXX of XXXX and in XXXX of XXXX they reported the account as negative. When I asked them to correct I was advised I needed to provide proof of an on time payment. There is no payment to be on time. And it is the obligation of the agency to ensure corrected information in their reporting The account literally shows that they closed it in XXXX of XXXX which was why it was closed. I would not have any proof to provide that they had received payment and I never received anything with documentation of the loan being closed.
Product: Debt collection

CFPB Case # XXXXAddtl information : Herein is a copy of a reply from the same Executive Office after I wrote to the CEO of Discover ; XXXX XXXX detailing what was done to me by Discover and its agents and requesting to waive receipt, dated XXXX XXXX, 2015 signed by a XXXX XXXX of the same " Executive Office of Customer Advocacy ''.
Product: Credit reporting 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 the 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 that 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 Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and XXXX have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

After carefully checking my report, I have noticed and shocked that i have been a victim of identity theft. My personal information has been used to apply for a card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 2024
Product: Debt collection

After over 25 years baking with Navy Federal Credit Union, I applied for a loan to buy a business in 2007. The business failed and I filed bankruptcy. I erroneously failed to file the proper document to have this debt included in the bankruptcy and was unaware of this until recently. Approximately 18 months ago, I applied for a new checking and savings account with Navy Federal credit union. Navy Federal refused to give me a credit card but told me I could open both accounts. After some discussion regarding the history and bankruptcy, they opened the account. I used the account infrequently throughout the year and recently decided to check my balance by phone. My savings account showed a balance of {$5.00} and the checking account had a XXXX balance.. It was at that time they informed me that they had confiscated {$370.00} from my checking account and {$300.00} from the savings account. They claimed this was a lawful debt collection as I had an outstanding debt on a different account from 2007. They took my money from the newly opened checking and savings accounts and refuse to give it back. Now they are threating to sue me for the balance. The statute of limitations has long passed as well as the ability to ding my credit report. I beg them to violate the law here and things will get ugly. At this time I am simply seeking my money back. If this goes on very long, I will seek damages and file a lawsuit. Navy Federal has a history of illegal collection actions and apparently they continue to violate the law. My financial situation has greatly improved and my credit report reflects that. I would not recommend anyone trust this company with their finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue on several occasions as I was told by all 3 consumer agencies that they do not handle inquiries and I have to do them on my own, but again, they are suppose to make sure everything on my credit report is indeed 100 % accurate and they have once again failed me. I have sent numerous dispute letters as well. 

Violations Under FCRA 15 U.S. Code 1681s-2-15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) and ( the inquires shall be removed under this code ) Also section 1681o ( a ) ( 5 ) a consumer Reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transactions that is not initiated by a consumer Under 15 US Code 1681n ( b ) Civil liability of a natural person Ive been violated! 

Equifax inquiries : 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
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I received a pre approved credit card offer from aspire bank that said to scan the QR code provided to find out more information. I did as so. After reading through they outrageous annual and monthly fees I declined the off and did not submit an application. The next day XXXXASPIRE showed up on my credit report as a hard inquiry. I am trying to rebuild my credit score and even a small hard inquiry is a big deal to me. Especially since it was a pre approved offer and an offer I declined to take. I feel like I was wrongfully taken advantage of by this company.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX  has violated my rights. Or 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: Mortgage

In XX/XX/XXXX due to Covid19 I was forced to go into a XXXX XXXX forbearance agreement with Dime Community bank holding the mortgage. I was out of the country at the time and was forced to sign under duress. Recently it has come to my attention that the Forbearance agreement is missing term start date finish date and amount to be paid. And that's why I don't know how much to pay and the finish date of the forbearance. ( See attachments ) Even in the banks letter responding to a complaint I filed against them. The Bank does give dates because they are missing information they says its a 12 month agreement where is the start date. 

Since the bank has merged with another entity I have not been getting my mortgage statements with amount due or when I did they were 2-3 weeks late. Case and point I have not gotten a statement for XX/XX/XXXX and the mortgage is due tomorrow XXXX XXXX!!!!!. I have emailed and called several loan officers at Dime informing them until they send me the statements I would stop paying the mortgage. They claim that the statements were sent but they were not! They could have emailed them! Ironically the threatening notices seem to make it to my mail box but not the statements! A check bounced and I stopped paying my mortgage as was promised. I finally got a hold a loan officer Ms XXXX XXXX at the Dime Community Bank that seemed reasonable we had a phone conversation agreement that I would make 2 payments in XX/XX/XXXX -Which I did and 2 payments in XXXX which I will make which will catch me up. 

THE DISPUTE is how much I owe on the forbearance agreement and since Dime Community Bank refuses to send the forbearance agreement accounting I don't know what the payment is. This is a simple matter which they Dime Community Bank refuse to resolve. 

The bank continues to stone wall by not supplying me with the statements
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX XXXX XXXX ID Type : DL ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX I am writing to request an investigation of the following accounts that I have NEVER opened or used. I am requesting the deletion of the following information from my Early Warning consumer report immediately. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX, I checked my XXXX XXXXredit report and found collection on report from ENHANCE RECOVERY CO XXXX -- -- -ERC COLLECTION COMPANy for {$71.00} from XXXXable wich is XXXX now in florida XXXX I've been with them for over 10 years and still with them now and my payment is always automaticly withdraw, i call them they said they said i don't have no balance cause it is automaticly withdraw from my bank account. 

I don't know this collection it is not mine and l lost some point of my credit score cause of this please help me with this ERC company, Thant you. 

ERC collection -- XXXX XXXX account : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

From XX/XX/2019 to the present, Chase Bank has unlawfully withdrawn and refused to refund thousands of dollars in deposits made to my accounts and has refused, despite a previous CFPB complaint, to refund the amounts withdrawn. All amounts were withdrawn for excessive fees. In my previous complaint they made it appear to CFPB that they provided credits for all the excessive fees, but they did not. All of my accounts ; there are many, have been placed at a {$0.00} balance. Chase took the funds for the excessive fees, exactly the opposite of what they reported they were doing to CFPB.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Capital One continued charging me interest weeks after the balance was paid. In fact the balance itself was a {$40.00} fee for XXXX transactions that my XXXX  year-old initiated without my permission. And though I paid the full amount ( {$40.00} ) on XX/XX/2022, Capital One continued to charge me interest for cash advance ( they view XXXX as such ) till today when I decided to close my accounts with them because I could not get a clear explanation to the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX from Ncc called stated that they will take legal actions against me, on a 3 party voice mail, leaving phone # XXXX account # XXXX
Product: Debt or credit management

I have one hard inquiry some how and idk how it got there
Product: Student loan

My name is XXXX XXXX XXXX and I got caught in " The XXXX XXXX XXXX '' student loan scam. I was paying them for like two years and finally received correspondence telling me that I had gotten caught with a whole bunch of other individuals from coast to coast totaling in the amount of XXXX " XXXX. '' FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX  XXXX ( XXXX  ) ENFORCEMENT TYPE : Federal Injunctions FEDERAL COURT : XXXX XXXX of California
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. 


I told Experian, XXXX, and XXXX to reinvestigate these account : XXXXXXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if balance and date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 
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