23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Previously deleted student loans that were at a XXXX balance have had the original balance added back to them and reinserted into my credit report. This erroneous error has negatively affected my credit score and student loan balance. 
Account Type Previous Balance New Balance Reported By XXXX XXXX {$2500.00} {$2500.00} ( - {$25.00} ) XXXX XXXX XXXX {$3100.00} {$3100.00} ( - {$31.00} ) XXXX DEPT OF ED/XXXX XXXX {$0.00} {$1100.00} ( + {$1100.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$6500.00} ( + {$6500.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$3500.00} ( + {$3500.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$2500.00} ( + {$2500.00} ) Equifax XXXX XXXX {$3100.00} {$3100.00} ( + {$31.00} ) Equifax XXXX XXXX {$2500.00} {$2500.00} ( + {$25.00} ) Equifax
Product: Money transfer, virtual currency, or money service

My information is being used all across the United States my all my government  XXXX  XXXX XXXX XXXX from XXXXXXXX XXXX has numerous off people following me using my credit in stealing everything that belongs to me she is XXXX XXXX  off age she has opened social security accounts with. My information everything she has my ID in playing with my identity right now as we speak there are XXXX  in air line tickets everything being purchased with my information there keeping me homeless out here so I want have any where to send My mail XXXX XXXX XXXX everybody there connected playing with my information there is a us bank acount open in my name that I never opened At all there are bankers inside off banks connected with these people in each city in state Connected with these people stealing my funds
Product: Mortgage

I did apply a home loan through KBHS home loan ( KBHS ) for a new build property sold by KB home. KBhome required me to have " pre-approval '' through KBHS home loan even later or at the end that I use 3rd party lender for closing. 
As a result, in XXXX I did apply the home loan through KBHS home loan and was approved. They did pull my credit report ( hard pull ) on XX/XX/2021, which I did authorize during the application. 
In XXXX, the house completion date was approaching so I started to shop the interest rate and applied loan with 3rd party lender. KBHS hard pull my credit report on XX/XX/2021, without my consent and without any of my explicit, e-sign, email nor verbal authorization. That was definitely against my will. 
I have home loan and credit cards, but doesn't mean the creditors can pull ( hard pull ) my credit report at any time they like without my consent or authorization. I understand soft-pull is okay. 
In this case, KBHS did not provide the rates nor get my approval before they hard-pull my credit report. If they didn't provide a competitive rate for me to compare, how do I determine I should still go with KBHS and then let them pull the credit report?

Since that was an unauthorized credit inquiry, I request the record of such inquiry should be removed from the 3 credit bureaus as a remediation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX the creditor continues to report inaccurate account status and inaccurate account balances reporting to all three credit bureaus
Product: Debt collection

An Ulta Credit Card was opened XX/XX/2022. I disputed the account and was told not to worry about it. The account was sent to collection, because there was 1 payment given to the card. I explained that I did not open the account and I had never received a credit card. I was informed that the card was mailed to XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and that the email XXXX were used to open the account. I've never lived or been to XXXX, CA or have had the email stated before. The account currently owes {$4600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXs listed on my credit report. My loans have been consolidated with XXXX XXXX since XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts to fix this issue I started XXXX XXXX and attempted again XXXX XXXX I also requested for them to send me verification of their investigation and a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/2017 I filed a complaint against the Collection Bureau of the Hudson Valley Inc. # XXXX that they reported a debt to my name of XXXX which I never owed. Collection Bureau of the Hudson Valley was required by law to send me a notice of this collection before posting anything on my report. I did n't recall getting a letter from them. I asked for details of this debt which were never sent. Subsequently they closed the account and removed it from my credit file, Now in XXXX I got a negative notice on my report and after checking I see the same debt is reported again .They never sent me any details of this debt but reported it again .I am ready to sue them in court for violating the FDCPA and FCRA and for financial damages incurred due to their false report if they wo n't remove this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the reporting of the following accounts is in violation of my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Information supplied is inaccurate and incomplete. At times it even contradicts itself.
Product: Credit card

I always paid off my Lowes card so I could buy more materials for my business. In XXXX I paid off my card and made another purchase. That purchase sent me over my credit limit by over {$1000.00}. I have never been able to go over my credit limit not even by {$10.00}. My credit limit is {$3200.00} and I owe them over {$4300.00}. I have proof from where I would have to buy materials that were over my limit and I would have to pay half of it then it then pay it off right then before I could pay the other half. When I went to pay my card off in full they said that I only owed {$750.00} so I paid that then bought more materials. Now they are saying that I owe them {$4300.00}. And are telling me that I cant make payments on it I have to pay in full. But I have made payments on it.
Product: Credit card or prepaid card

This company decided to close my account after I have consistently paid my bill since I opened this account. I feel that this is not fair because I opened this account to build credit when I had almost an 800 credit score. I never once missed a payment and now they are closing my account after I took a credit dip for opening this account and utilizing it. This is unfair, especially since at no time did they ever reach out to me to discuss this matter. If this is how they want to conduct business then it should not reflect poorly on me when I was consistent with this establishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid Santander they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to Santander refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.
Product: Credit reporting or other personal consumer reports

I disputed the following debt with Equifax : XXXX XXXX XXXX XXXX XXXX that is absolutely not my debt. The dispute was open 1 day then closed on today. How could they have verified the debt so quickly? It doesn't make sense. I had a cell phone with another wireless XXXX at the same time frame and now currently. This debt belongs to my sister. 
Next, I am attempting to dispute a XXXX debt to The XXXX at XXXX ( the XXXX XXXX ). They have a note on my disputes that the XXXX debt with the XXXX was " verified with the furnisher '' as if I had disputed the debt with Equifax previously. However, I had never disputed that particular debt with Equifax. This erroneous debt with the XXXX and the status or record of dispute with this debt has caused myself and my daughter reprehensible damage. This is so because tentative landlords see a report as if the debt has been disputed and verified. We have not been able to secure decent safe housing as a result of these egregious errors on my credit report. The XXXX engaged in pandemic funds fraud, fire insurance fraud, misrepresentation, manipulation, deceptive practices, and coercion and I was not able to properly dispute before Equifax put information that hurt my reputation on my credit. The process to get someone on the phone is extremely hard and they exhibit behavior that favors the creditors. I want my dispute taken seriously, investigated seriously, and relevant material evidence that I submit seriously and fairly weighed by Equifax. Instead, they use my circumstances to try to sell me credit monitoring products.
Product: Vehicle loan or lease

I submitted paperwork to pay off the lease balance on a XXXX XXXX XXXXXXXX XXXX with Volkswagen Credit and it was received by Volkswagen Credit on or around XX/XX/XXXX. At the time, I was told that I could expect the documentation to be processed and for title to be sent to me within 3 weeks of receipt. Since that time, I have communicated with a representative of Volkswagen Credit at least 5 times. During such communications the time frame for when I could expect title to be sent to me has changed from within 3 weeks, to 30 to 45 days, to 30 to 60 days. As of today, we are at day 50. Volkswagen Credit has indicated that the delay is driven by " third-party vendor issues, '' but have been unable to provide any assurance of a timeframe for resolving said issues. Nonetheless, the delay has caused me to be without approximately {$17000.00} for 50 days and has delayed my realization of the sale of my car. Given highly volatile market conditions and fluctuations in used car prices, this has subjected me to an inappropriate and unreasonable amount of financial risk. I have researched other similar financial services companies and their publicly stated timeframes for lease payoff processing ( to the extent available ) and some as short as 10 days from receipt have been noted. 50+ days is simply commercially unreasonable.
Product: Checking or savings account

Early Warning Attn : Consumer Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX ] XXXX XX/XX/XXXX RE : XXXX Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by XXXX XXXX XXXXXXXX included in the file Early Warning Services maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a XXXX  Account XXXX on XX/XX/XXXX. 
I am unaware of ever having a XXXX Account Fraud from XXXX  XXXX XXXX XXXX validate this information with XXXX XXXXXXXX XXXX and provide me with copies of any documentation associated with this XXXX Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of XXXX Attorney Generals office. should you continue in your non-compliance. further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX, XXXX. XX/XX/XXXX. XXXX ), you XXXX be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of XXXX XXXX XXXX. ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint addressed to the Credit Reporting Agencies to request that the Following Dispute inquiries were resulted due to identity theft. I was a victim of identity theft and that the disputed inquiries were never made by me neither anyone I authorized on my behalf. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following inquiries completey from my Credit Report as soon as possible. Also, the Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. I have read enough to understand my rights which is clearly being violated by the Credit Reporting agencies. Once again, I need the following inquiries to be removed completely from my Credit Report : XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This account has been reported incorrectly for years. It has incorrect last active dates and should be off of my report. They refuse to correct the issue.
Product: Debt collection

Resurgent Capital Services has placed a account on my credit report. The account is filled as XXXX XXXX on all of my credit reports. However, when I call the representive says they are with Resurgent Capital services and they are handling the account. The account is listed as originating from XXXX XXXX XXXX and opened on XX/XX/2017. I have contacted the orginal creditor, due to the fact that I have a credit card with XXXX XXXX XXXX and I am unaware of a second. I asked for all original documents pertaining to this account to be sent to me from Resurgent Capital Services/XXXX XXXX to verify the account. The process they have instructed me on is unrealistic. They want me to file a affidavit with this site, the police department, mail everything to a XXXX XXXX and await a response. However they have not given me a date of account origination or original documents as requested. All they send me is old billing statements from charges made. Which does not prove ownership. I have disputed this account in the past with XXXX XXXX XXXX and it was removed. It appears that it was then sold to this agency and they are making it extremely hard to prove this is not my account.
Product: Checking or savings account

My perception is that the M & T XXXX XXXX XXXX XXXX Bank at XXXX XXXX XXXX XXXX, DC, XXXX, is engaging in an illegal practice of charging an unauthorized fee to customer checking accounts. I opened an account with this bank XX/XX/2019, and specifically stated that I did not want checks. On XX/XX/XXXX, when reviewing my account on-line, I saw that on XX/XX/XXXX M & T had charged my account for {$16.00} for unauthorized checks. Not only was the charge not authorized, the deduction from my account invalidated a promotion to keep the account balance at a specific dollar amount. 

I asked to speak to a manager and was told he was unavailable. So I went to the branch XX/XX/XXXX to speak to the Branch Manager, XXXX XXXX XXXX. Mr. XXXX had no explanation as to why the charge was put on my account, nor why the charge appear almost a month later when it might not be noticed by the average consumer. Although he did reverse the charge, he could not guarantee that I will not face a new problem when the promotion comes due XXXX. 

I also called M & T 's corporate customer service, XXXX, and was stone-walled. The supervisor to whom I spoke, XXXX ID # XXXX, refused to escalate my concern to the manager level, refused to leave a message for a manager to return my call, and refused to accurately record my complaint/concern by omitting my comment that he would not pass on this concern to a higher level.
Product: Debt collection

received an initial call on XX/XX/XXXX from XXXX at XXXX in the XXXX of the XXXX indicated she would do the following in that discussion, that she would take action in the next day or so to have the account removed from collections and my account cleared at XXXX. 

The indicated actions by XXXX have not happened as of this writing which is why I am reaching out to you again for assistance. 

I have attempted to contact XXXX no less then XXXX different times leaving messages, email contacts, call back number, etc. However, outside of the initial call on XX/XX/XXXX XX/XX/XXXX has not returned my ANY of my called since our discussion on XX/XX/XXXX. 

XXXX lack of responsiveness and failure to follow through on her commitment to me is uncharacteristic of individual working in the XXXX of the XXXX period. Not only am I disappointed in XXXX lack of response to my many phone calls, but also her slight attitude in our initial conversation which appears to be consistent with her lack of follow-through action and non-responsiveness subsequent to our initial phone discussion on XX/XX/XXXX. 

At the crux of the issue is the failure of TM and Receivables Performance collection agency to completely remove any and all reporting of the {$68.00} for a balance that is not owed, and was indicated would be removed by XXXX 

However, Receivables Performance is play games with zero reporting while leaving the initial {$68.00} on my credit report which in not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only Equifax. This has caused undue stress in trying to remove this inaccurate information. 

This information appears from XXXX and keeps reappearing with different payment dates, payment amounts, etc. 

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX and XXXX account # XXXX is in violation of my my rights, which states that negative and outdated information can not reappear after it is found to be not validated. 

15 USC 1681 section 602-A states that I have the right to privacy. 

15USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

I did not provide a wet signature or permission for this account to be reported nor should they be reported form XXXX. Illinois consumer law prohibits reporting after 5 years. I demand that these accounts be removed from my credit reporting file
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX BANK - XXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.