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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021
Product: Debt collection

I became aware of this debt in XXXX, XXXX and I disputed it. I also filed complaints with the FTC and XXXX. I believe this account may be the result of identity theft. I have taken proper precautions to protect my identity. In my research I also found that the collection agency, Ad Astra Recovery Services, is in violation of the Texas Debt Collection Act by trying to collect and reporting this debt to the credit bureaus since they claim this debt was incurred in XXXX. This is yet another reason I am requesting this be removed immediately from my credit.
Product: Mortgage

I have had this loan with Village Capital and Investments for 20 months. They currently show my account as having a outstanding balance owed ( {$2500.00} as of XXXX XXXX it is only XX/XX/ due ) They are not posting my payments in a timely manner thereby charging me a late fee. I HAVE NEVER BEEN LATE. They have taken as long as two weeks from the time I mailed the payment to as little as 4 days. The postal service assures me that it takes no more than 3 to 4 days from the time the item is placed in the postal service, my zip code to the destination zip code. I have tried to correct this by XXXX talking to the company customer service XXXXFiling a complant with this agency ( CFPB ) problem has not been solved, one of the people that I talked to at the company didn't understand the concept " due date and if not paid by time. ( grace period ) I have never exceeded that. I have always mailed the checks in plenty of time to avoid a late fee.I can not use there web site anymore because my account has apprantly been compromised ( see enclosed document ) .I am beginning to believe that this is more than incompentent employees handling my account..I want this cleared up and clean up my credit. I have provided my entire payment history with Village Capital and Investments.
Product: Credit reporting, credit repair services, or other personal consumer reports

due to Covid it has been especially difficult being a minority to survive with no working capital to continue business. For the first time I decided to apply with a lender but first I wanted to check my credit and when i did, i found numerous hard inquiries that I did not execute. I immediately notified all 3 reporting agencies and XXXX bank. XXXX, XXXX, and XXXX  did their own investigations and concluded that it was fraud like i said. I just received a letter from Transuions telling me that they will stay on my report. I need to know how 4 reputable institutions did an investigation and came to the same conclusion but Transunion. It makes me as a consumer feel as though I am being dishonest even though I was victimized. I had to get a new server and place XXXX XXXX XXXX XXXX  on all my devices which is an extra expense that I can not afford. I took all the necessary steps to ensure my information is kept private. 
However, now because Transunion has decided to keep these on my report for the next 2 years which is unacceptable. If you view my report you can CLEARLY see multiple inquiries on the same day. ALL of my bills are completely paid on time and or paid off, no bankruptcies or derogatory or dilquancies I am submitting my second complaint regarding Transunion reporting the WRONG information on my report and I was never notified of these inquiries. Even with having a freeze on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report that would like removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiries reported to TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, Please completely remove me as authorized user from the XXXX XXXX XXXX XXXX XXXX cards attached - there are 2. 

Please completely remove these tradelines from XXXX, Equifax, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please note that are 2 credit cards. 

Please have this handled as soon as possible.
Product: Mortgage

On XX/XX/2020 I contacted Dovenmuehle mortgage about removing the PMI on my home. According to public records, the local home sales has brought my LTV to 78 %. They denied my request and stated that I was 30 or more days delinquent in the past 12 months. This information is incorrect. I have not exceeded 30 days from the due date which is the XX/XX/XXXX. I am assuming they are using the the guidelines of the FCRA. I am requesting written clarification and proof that I exceeded 30 day period. In regards to speaking to someone directly in the escrow department, I am screened and told to write a letter. My initial contact on XX/XX/20 involved a phone request through a customer service request. My second contact on XX/XX/20 involved an eFax to their escow dept.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment in question was made on time. I have attached bank statements that confirm the payment was processed before the due date. 
Natural Disaster Impact : The account was affected by a natural disaster during the period in question, which should have been taken into consideration. Creditors are required under certain circumstances to provide hardship relief due to natural disasters, and this has not been reflected correctly in my credit report. 
Inconsistent Reporting : The account is reported differently across various credit bureaus. The inconsistencies between XXXX, XXXX, and Equifax in regard to the payment status and dates further indicate the presence of errors in the report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am unable to access my full credit report or score, only the XXXX report is available. Despite providing accurate information i dont have all the information that i should have to gain access to my report and scores. According to the Fair Credit Reporting Act ( FCRA ) is a federal that guarantees that the consumer has the right to said access to their credit reports and scores. Futhermore the XXXX XXXX XXXX  website has not provided said information, due to a payment being required, whereas its advertised as being free once a year. I am requesting assistance in resolving this issue and being able to gain access to my full credit report and scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX twice and can not handle anymore stress at all! 
I am a mother of XXXX college students that need me and we are in too much hardship. 
I was sold a FLOODED FRAUD Car by XXXX XXXX XXXX XXXX XXXX. Car was taken by XXXX XXXX XXXX. They alll KNEW about this car because in XXXX I filed suit under 1 800 Lemon Law XXXX and XXXX researched all in XXXX XXXX! 
The bank the lender the dealer made me stay and pay! I almost died in that car. It would come to a COMPLETE STOP at 60 and 55mph, On star callers engaged so many times from the car for HELP! Towing Repairs in Excess of 8,000 over 24 months and payments and auto insurance. FINALLY XXXX  XXXX NJ was mandated by XXXX to GET TO SOURCE OF ENGINE a year after the lemon law!!!!!! It was a Breach of Warranty!! NO ONE Replaced the car!!! I have no car!!!! No one did anything but take it over a payment behind after all I mentioned. The dealer did not obey the law. The lender kept saying they are sorry! NO I need all CARS on MY CREDIT REPORT REMOVED ASAP!!!! It is affecting my ability to get credit not only for another car but for my kids education and my medical health. They all did not honor the law. I should be refunded. I need this OFF MY CREDIT and STOP harrassing me at work all of them. It has to end. ALSO FOR a YEAR XXXX a month to rent a car!!!!!!! I was able to afford my car my issue was car never worked and was unsafe and the dealer and lender knew! I repeated myself every week every month as to what was going on and my lawyer to mandated they replace with the refunded deposit. No one replaced no one helped they came and took my car once fixed!!!! I had 4 weeks of peace and now no car!!! AND have zero cant get into anything with this mess on my report and my kids the loans all fell through this year with the damage to my credit. I am a college graduate of 30 years ago I work all my life, THIS IS A DISASTER! This car was a danger and fraud and 33 months of car payments and car insur and repairs towing and more now rentals unaffordable!! HELP! GET IT REMOVED
Product: Checking or savings account

Account opened XXXX XXXX. 
First direct deposit XXXX dollars XXXX Second deposit XXXX dollars XXXX REQUIREMENT XXXX met to get XXXX dollars multiple direct deposits of XXXX dollars XX/XX/XXXX XX/XX/XXXX. 
Offer says bonus should post before 60 days after qualification periods ends XXXX XX/XX/XXXX I called XX/XX/XXXX, customer service said to wait XX/XX/XXXX. 
I called today XX/XX/XXXX and now they say to wait another 2 months. 

My husband also had to CFPB them for his saving account because they never paid the money. this bank is a nightmare and they never answer to the XXXX emails we sent.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an unauthorized account under the name West Creek Financial XXXX XXXX XXXXs that I did not open, authorize, or have any knowledge of. This account was fraudulently added to my credit profile without my consent. 

The account details are as follows : Creditor : West Creek Financial XXXX XXXX XXXX  Date Account Opened : XX/XX/year> Date Account Closed : XXXX XXXX XXXX  Monthly Payment : {$0.00} Term : 12 Months Original Loan Amount : {$1700.00} Account Type : Lease Lender Information : West Creek Financial XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX I have never applied for or agreed to any financing or loan services with this company. Given recent data breaches affecting XXXX  of consumers, I believe my personal information may have been compromised and used to fraudulently obtain credit in my name. 

I am disputing this account as identity theft and request immediate removal from my credit report. 

Please investigate this matter promptly and provide me with any supporting documentation related to this fraudulent account.
Product: Debt collection

Debt collectors marked this off as a tax break but I never received a 1099c may I please receive this
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I went to a car dealership to purchase a car and the dealership said they was pulling one inquiry from XXXX and now I have all the inquires without my approval. XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Student loan

Attempted to make a payment on my loads on XX/XX/2024. The payment took a few days, then on the website it read that the payment was received. After about a week, I noticed no money had been pulled from my checking account. I checked EdFinancial again and the payments were reversed and I was past due. Upon contacting them, they told me my banking information was incorrect, but it was not.
Product: Credit reporting or other personal consumer reports

I have advised affirm on my previous complaint that these accounts were opened fraudulently and without my permission. Affirm has responded that accounts are reporting accurately and stated that I requested to validate this debt. WHICH, I didnt say this because its NOT MINES!! I have advised affirm that these accounts were opened fraudulently plenty of times by phone, email etc and they have advised me plenty times that they cant even talk to be about these accounts because it doesn't match my info!! I am a victim of identity theft, and I didnt open these accounts. I didnt give anyone permission to open these accounts using my information. I have also reached out to true accord and they seem to agree that these accounts are fraudulent. I had no knowledge of these accounts. When I realized someone stole my identity and was using my information was in XX/XX/XXXX which I filed a police report. At that time, there was only one account showing on my credit report which was aXX/XX/XXXX credit card. Affirm was not showing on my report for me to even be aware of these accounts until XXXX of XXXX along with a loan taking out from a company called XXXX XXXX XXXX. They have done a proper investigation which is attached!! XXXX XXXX with the Police department advised me that it wasnt necessary to file a new police report since these accounts were around the same time period and the case is till open. I am requesting that These accounts be closed & removed from my credit report. Please properly investigate this matter and correct the fraudulent account as soon as possible. In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to these fraudulent accounts. Also let me know how payments were made, as I do not own a bank account. I would like to resolve this before I consult with an attorney to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX DOB : XXXX Todays Date : XX/XX/XXXX In accordance with the Fair Credit Reporting act. 

The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : 1 ) XXXX XXXX XXXX XXXX XXXX ( ALLEGED ACC # XXXX ( DATE ALLEGED OPENED : XXXX  ) ( ***VERFICATION OF DEBT REQUESTED ) ( NO RESPONSE 60 DAYS ) ( DEMAND IMMEDIATE DELETION ) 2 ) XXXX XXXX XXXX : ( ALLEGED ACC XXXX XXXX XXXXXXXX ) ( DATE ALLEGED OPENED : XX/XX/XXXX ) ( ***VERFICATION OF DEBT REQUESTED ) ( NO RESPONSE 60 DAYS ) ( DEMAND IMMEDIATE DELETION ) 3 ) XXXX XXXX XXXX  ( ALLEGED XXXX # : XXXX ) ( DATE ALLEGED OPEN : XX/XX/XXXX ) ( ALLEGED ORIGINAL CREDITOR : XXXX XXXX ) ( ***REINVESTIGAION OF DEBT REQUESTED ) ( NO RESPONSE 45 DAYS ) ( DEMAND IMMEDIATE DELETION ) 4 ) XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) ( OPENED : XXXX  ) ( ALLEGED LATE PAYMENT DATE XXXX XXXX ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 5 ) XXXX XXXX XXXX  ( ACCOUNT NUMBER : XXXX ) ( OPENED:XXXX ) ( ALLEGED LATE PAYMENT DATE : XXXX XX/XX/XXXX ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 6 ) XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) ( OPENED:XXXX XXXX ( ALLEGED LATE PAYMENT DATE : XXXX XXXX ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 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, credit repair services, or other personal consumer reports

I am a victim of identity theft. Its been ongoing since 2020 during the pandemic. My SSN was stolen and its reaked havoc on my credit score. XXXX XXXX is not my fault nor my responsibility!!! Please remove this from my credit report immediately. Ive sent letters, police reports and have called numerous times. This account is fraudulent!!!
Product: Mortgage

I am under forbearance with Rocket Mortgage and they had a debt collector call me today. My forbearance is through XX/XX/2021, and they have given me the option to extend that for another month with a trial period of three months with a slightly reduced mortgage payment. So I do not have a payment due right now until XX/XX/2021, and then with this program, XX/XX/2021. I resent them calling me under the debt collection division. This is absolutely wrong and should be against the law. Forbearance should be protected from the mortgage company posing as a debt collector. Shame on Rocket Mortgage.
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 XXXX  - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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

When I called the number for this creditor they said they weren't aware of I XXXX XXXX and I don't have an account with them so unfortunately I don't know what else to do. This creditor is unknown and I never owed this company well so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report.. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX  ( Original Creditor : 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

XXXX authorized a credit card for XXXX XXXX XXXX XXXX  in Michigan using a fake driver 's license under my name. Upon contacting XXXX they said my information will be cleared from all credit Buearus however its been a year and XXXX has only cleared my name in XXXX and not in equifax or XXXX  Charges started from XX/XX/22 where XXXX fraudulently approved a fake driver 's license under my name and gave the thief credit line of XXXX XXXX