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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will Investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX ACCT # XXXX
Product: Credit reporting or other personal consumer reports

RE : You Violated The United States Code Law 15 U.S. Code 1681 ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Reinvestigation procedure letter was received by Transunion on XX/XX/2023 See certified USPS tracking # XXXX Present day-no description received after 15 days. 

This a violation of my rights and I demand these accounts be deleted per consumer law 15 U.S. Code 1681 ( 7 ).
Product: Mortgage

Yes, I was going into fortclosure in XXXX. The mortgage company was giving me a second chance threw loss midagation. The company they put me with is XXXX XXXX XXXX XXXXI spoke with XXXX XXXX at first then I was on a personal level with XXXX XXXXI was to make XXXX payments of {$950.00} at first as well as sending multiple paper work. This was the beging of the covic. XXXX XXXX sent me a email saying that the mortgage company was going to get back with me to let me know when I was going to start my regular payments of {$600.00}. It had been months I never heard from anyone no phone call, no emails, as well as no mail .I called XXXX XXXX and she stated that they had sold my house .I didn't understand why the mortgage company did that when I was going threw the people freedom solutions company as well as me paying {$2800.00} where did that money go and I'm so confused about that hole situation.I have been here in my house for 6 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I help the homeless people with any information they need or make copies of paper work they need food or clothing, help setting up a bank account, what ever there needs are this is also a non profit organization. I recently got a paper on my fence it was from the XXXX XXXX saying they demand possession of property. I did give the courts a answer but my paper work said motions to appear by telephone. So I called the courts that morning and they gave me a phone number as well as a extension I was on hold for, XXXX minutes. I called the courts back and they said I didn't show up so they gave them my property.I am doing an appeal And taking this to district court .I also received a paper that was a writ to leave my house so I m appealing that as well .I 'm also going to file an appeal for the sale date of my house due to the mortgage company saling my house from under me with out me having any knowledge.This had been so upsetting, stressful and I'm having a real hard time mentally to handle all of this I hope you folks can help me out with this situation.I have up grated my house I added a swimming pool as well as a hot tub XXXX trees, black molch it's looking beautiful.
Product: Credit reporting, credit repair services, or other personal consumer reports

>Multiple hard inquiries were pulled by Pentagon Federal Credit Union ( PenFed ) for same credit application using XXXX ( XX/XX/21 ; XX/XX/21 ) >Applied for HELOC with PenFed ( XX/XX/21 ) >Before applying was told full process takes approximately <60 days ( expected close around XX/XX/21 ) >Approaching 60 days, critical items remained undone, including the appraisal >Underwriters said credit score is good for 120 days, possible will need to pull again >To avoid being penalized for another hard inquiry, I authorized pull within 45 days of first >Credit was pulled 46 days after the first, falling outside of the shopping window >Received an email from PenFed Mortgage COO acknowledging their inability to provide the level of service and speed to close. Hiring people and working weekends ( XX/XX/21 ) >Closed the loan 89 days after application ( XX/XX/21 ) >I filed a dispute with XXXX but their automated process for inquiry disputes did not enable me to provide context, argument, or support >I called PenFed and bounced around 6 different agents resulting in my information being passed along to management for further contact
Product: Credit reporting, credit repair services, or other personal consumer reports

I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.
Product: Debt collection

I received a call on XXXX/XXXX/2015 at XXXX from a collector at JVS Group XXXX a collection company ). He may have told me his name, but I do n't recall hearing it. I submitted disputes to the credit bureaus and also directly to this company on a debt I allegedly owe. I wanted to get validation before I pay the debt as I am allowed under the FCRA, FDCPA. I was told over the phone by this gentleman at JVS Group that I had to talk to him on the phone since the account was disputed, per the law. That is a lie and that is not required under any Consumer Law. The same person also told me that the account was with the clinic, but I never was at the clinic he claims I was, but I did go to the hospital. That same person said he had pictures of me at the clinic, which I took as a threat to pay the bill. The phone call ended, which I believe was because he hung up on me.
Product: Checking or savings account

In XXXXXXXX XXXX XXXX there were several transactions on my account that I did not authorize so I disputed them more then once even with XXXX liability debit card terms each time it came back that I was liable costing me thousands of dollars I spoke with a supervisor in corporate whom said there's nothing they can do and even though I asked countless times for documentation or any other evidence used in this dispute against me I was denied which is illegal I am legally privileged to receive any documentation used against me in a dispute upon request I am requesting documentation as well as any other documentation as well as my statements from XXXX and XXXX and any other evidence used including but not limited to documentation, video etc thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am stressed and disappointed that my credit report was misused and I have been violated. I was apart the breach when the XXXX and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting me and my family 's livelihood at risk from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. I am coming to you all so help me solve this matter with the credit reporting agencies. They are neglecting my consumer report. 

There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to correct my personal information with experian, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am promised accuracy in my credit `report based on federal law I am making this call as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and validate it so I request that you remove it now. I just received notice that there have been recent attempts for credit on my credit report I need those inquiries to be removed. All bureaus are refusing to remove the inaccurate reporting, Pursuant to 15 USC 1681n ( Civil Liability for willful noncompliance ).
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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.

XXXX XXXX Acct # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct 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 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 XXXX 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 XXXX 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

COLLECTIONS Account Details Last Reported XX/XX/XXXX Collection Agency BONNEVILLE COLLECTIONS Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$96.00} Remarks -- Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$43.00} Remarks Account paid for less than full balance Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$77.00} Remarks Account paid for less than full balance Creditor Contact Details XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of many thousands of people whose information was stolen from Equifax through a data breach. I signed up for the XXXX product which provided credit monitoring and $ XXXX of protection for those whose information was stolen, provided by Equifax. I have emails from XX/XX/XXXX stating that I had successfully signed up for the service and paperwork showing that my policy number. 
I called Equifax on XX/XX/XXXX and was told that actually I hadn't successfully completed the sign up for XXXX   product and because it was after XX/XX/XXXX that they could not offer me that protection anymore. Now they could only offer me a much lesser product ( Lock & Alert ) which would only alert me for some type of identity theft with no protection. I feel this is unfair since the emails from Equifax indicated that I had successfully signed in. Plus, their website was in terrible shape when they setup this program causing tremendous delays and what I now see, lots of errors which were not obviously to the consumer. Shame on Equifax to put the consequence of their terrible system on the consumer. I have paperwork that says I am enrolled in their program, they should honor that. However, the company refuses to. I spoke to a supervisor XXXX ( Employee ID XXXX ) and he also was unwilling/unable to make this right. 
By the way, while I was on the phone with their customer service agents, I could hear in the background that others were having the same problems as I kept hearing different agents voices saying that while they had thought they had successfully signed up for XXXX, they hadn't and now they could only get the Lock & Alert.
Product: Credit reporting or other personal consumer reports

Did not correct or up date any information in a timely fashion or not at all.
Product: Debt collection

I have fines owed to XXXX county and they were turned over to Dynamic collections and now my wages are being dramatically garnished with no care that I am a single father with XXXX children. I received no notice and only recieved a document of who was garnishing my wages 3-5 days later
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still reports a collection account even after I submitted proof of payment from the original creditors. I opened up an investigation and attached the proof of payment and they came back saying the information reported is correct. How can they do that? Dont I have rights over my own credit file vs a unreputable collection agency. 

Also they dates reported as the actual debt are wrong. Debt was from 2014 and shouldnt even be on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Student loan

I have been paying my student loans regularly and recently decided to go back to graduate school for a XXXX. I did not request or take out an additional loan for the XXXX program. I recently received a letter from the loan company that my loans were being deferred but if I " did not want this entitlement, I may request that this deferment period be removed. '' Deferment means additional accrued interest while in non-payment status. I never requested a deferment, never authorized a deferment, and never wanted to defer my loans. Not sure how the company could just automatically do that without my knowledge, consent or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I disputed the accounts on my report telling them that it has been determined that I was suffering from XXXX XXXX and was not legally competent to contract for debt and they sent me an update on XX/XX/2019 stating that the account is staying the same because it was proven that the account was mine. I never said it wasn't so I feel my dispute is not being read or properly disputed with the information I am giving but being disputed with reasons that I did not give.
Product: Credit reporting or other personal consumer reports

On my credit reports there are names and an addresses that do not belong to me. There are late payments and unauthorized transactions that Im aware of that has not been removed. Im asking all parties to remove negative items and unknown addresses and names from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. 

At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. 

I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. 

I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. 

I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX I thought I was doing the right thing by returning the car. 



I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. 

On XX/XX/2021 and XX/XX/2021 I sent letters to the credit bureau 's and creditor. 
The repossession was removed from XXXX and Equifax but not from XXXX. 
The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.
Product: Credit reporting or other personal consumer reports

I recently was able to access my credit report for Equifax and noticed there were accounts in my name that I never authorized to open along with addresses that I never lived before. I am requesting that these items gets removed completely from my report.
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 - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX SS XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX SS XXXX XXXX - DATE OPENED XX/XX/XXXX
Product: Credit card or prepaid card

This is in response the banks statement according to complaint CFPB # XXXX & XXXX I was locked out of my account and lived in a state where there was no TD branch available. I called on XXXX XXXX to gain access to my account. However, the agent told me my only solution was to go to a branch and he can not help me. I also couldn't change my address for billing since I was in Ohio and TD doesn't operate there. Not only until I called XX/XX/2022 was I informed I could mail a notarized statement with 2 proofs of verification. I have not done that yet as my account has already been closed. 

Furthermore, I had more than enough rewards at the time of my account closing ( I believe {$300.00} in rewards ) to pay off my balance in full. Not only was I unable to use my rewards because of account blockage, but I was not informed or suggested that this would be a way to pay off my balance. 

While I understand I was partially at fault, the burdensome process of regaining access to my account made it very difficult to check my balance and get updates on what has been going on.
Product: Mortgage

On XX/XX/XXXX, I was informed by XXXX affairs my property taxes was paid since XXXX XXXX because I am a XXXX XXXX XXXX XXXX XXXX  I have been paying my property taxes along with my monthly {$1300.00} mortgage payment of {$540.00}. I was only required to pay {$100.00} a month. I called Pennymac Morgage company on XXXX XX/XX/XXXX, XXXX. I was informed by customer service, I would be receiving a check in the amount of {$2800.00} ( check # XXXX ) in XXXX days because they was going to send it via XXXX. Once 5 days ( XX/XX/XXXX ) pasted I requested a tracking number. I then was told that it was sent regular mail. Pennymac location is in XXXX California and I am in XXXX  California. I have inclosed my bank routing information to speed up the process. It has been 5 days pass due.