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

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX
Product: Debt collection

They call me and when I answer no one is on the line, and all I hear is a beeping sound. If I dont answer, no message is left. I didnt authorize them to call my cellphone. Telephone Consumer Protection Act ( TCPA ). And it expressly outlaws almost all autodialed collection calls to cell phones.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I called to Walmart Capital one Card and they are not seeing any lates on my account. Somehow, the are showing that I had an {$8.00} balance that is reporting 30 days late for XX/XX/2021. I was never late. I am on auto pay. This should never have hit my credit and capital one doesn't show me anything was late. I spoke to XXXX and they are confused by all of this. This dropped my credit 40 points and I am trying to purchase a home!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/2020 from Credit Control , LLC trying to collect a debt from XXXX XXXX in the amount of {$8800.00}. On XX/XX/2020 I sent a dispute letter by certified mail to Credit Control , LLC informing them that the debt was not valid and asking for proof that I actually owe it. Credit Control , LLC received this letter on XX/XX/XXXX. On XX/XX/2020 I received my monthly credit report and saw that the debit in question was placed on my report which brought my credit score down 60 points. That same day, I contacted Credit Control , LLC to ask them to remove the fraudulent collection from my credit report. I informed them that I mailed my dispute within the allotted 30 days and that they can not place the collection on my report without proof that the debt is valid. They stated that they were told by XXXX XXXX to place it on my credit report and they they had to wait to get the proof of the debt before they would remove it, which is the opposite of how this process works. The representatives from Credit Control , LLC did not seem to understand the basic rules of credit reporting, and that their actions were illegal when they placed the collection on my report BEFORE receiving proof that it was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 1.5 years All 3 credit beaurous have erased items on my credit erased history and have added inaccurate things. I have been working on my reports for 4 years and know exactly what should be on there. They ask me for proof I send it, They want me to call the creditor I do. There is nothing else I can do except keep going in circles for this to be corrected. 
1. XXXX is misreporting my XXXX once they added it again. showing I only had the account for a little over a year when Ibhave made payments in full every single month since XX/XX/2017. They added the account back on but it is not showing the correct length of history which is causing a negative drop in my score due to no or low credit history. I have made Payments in full every single month Since XX/XX/2017 That needs to be corrected and once that gets corrected # 2 Equifax and XXXX need to get there facts straight because they have already and are still continuing to destroy my credit. 
Equifax had me reported as deceased for a good 6 months. 
I have sent everything, The creditors have sent letters. They are wrong and once they finally realize that thos account should of never been removed It needs to be added correctly just like the fact that XXXX  has the dates wrong and that Needs to be fixed I have already done so multiple times, The bank has contacted them. I have shown evidence they asked for with still no change. I have contacted both the bank and the credit beaouros Equifax and XXXX. The creditor ( XXXX XXXX  XXXX states they have been reporting it and never stopped since XX/XX/2017. They say that I need to call the credit beaurous. The credit beaours are telling me to call them. Well the credit beaurous are the ones who have destroyed my credit for the last year by erasing items as well as not reporting correct dates. This is not a game. I have always paid all my debts off in full every month I should have years of credit history and I am graded a F in that area. Along with reading the once was reporting XXXX vanished just like XXXX did. I have sent documents of the reports showing the account and showing every single payment every month in full. I have provided Letters from XXXX  explaining that they are not reporting correctly, They have contacted the beaouros about this as well. Nothing has happend. I should have 4 years of history with 2 accounts and 13 years with XXXX .Just fix this We have done our part Both the creditor and myself have given them every document and proof that this account Should be reporting on a perfect history since XX/XX/2017 and they failed to do what they said they were going to do once the info was received it took 10 calls to finally convince my creditor that they were denying to report this due to the bank Never stopping it should of never came off my credit to begin with over a year ago. This account is 4 years old!
Product: Debt collection

This was workers comp case that should of been taken care of and paid off a year or longer ago.. this case was handle by workers comp insurance, the second time Capio partners damaged my credit. I contacted my lawyer, all debt has been paid. Fast forward 10 months later and I have a derogatory mark dropping my credit by 20 points. Saying I owe funds for the third time. Horrible company, please someone investigate them
Product: Mortgage

back in 2013 hired lawyer to help with my mortgage co. they were claiming me ( home ) as a trustee sale ( as of I paid my mortgage on time and certified usps just to make sure my paymants made it safely. I hired XXXX XXXX XXXX in XXXX XXXX, ca they made me claim bankruptcy and took my case I told them i was XXXX XXXX in my family and budget tight he charged {$5000.00} plus {$850.00} bankruptcy and said it would take 60 to 90 days but was not resolved mortgage co agreed with law firm but I did not because they were carging me with foreclosure fees. so lawyer advised to not pay until resolved and it was not now mortgage co which is now different co. is foreclosing me
Product: Payday loan, title loan, or personal loan

I didnt open up or take out a loan in 2018. The year and dates are wrong this account is more than 5 yrs  old and I didnt borrow {$750.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this fraudulent account on my credit reports and I've disputed it several times with the company and XXXX and XXXX  and they are still stating this is mine without properly verifying with my signature. Please remove the following fraudulent account immediately, thank you. 

Account Opened Amount Portfolio Recovery XX/XX/2017 {$770.00}
Product: Debt collection

National Credit Management XXXX XXXX XXXX XXXX XXXX, MO XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting a collection account. Numerous attempts and disputes to resolve this collection issue have gone unresolved. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the XXXX XXXX XXXX and the Attorney Generals Office.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 



I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

XXXX  XXXX Balance. {$2000.00} XXXX XXXX Balance. {$240.00} XXXX Balance. {$15000.00} XXXX XXXX Balance. {$6100.00} XXXX XXXX XXXX Balance. {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Card : XXXX XXXX inquiry not mine XXXX Card : XX/XX/XXXX inquiry not mine XXXX XXXX   XX/XX/XXXX inquiry not authorized XXXX XXXX XX/XX/XXXX inquiry not authorized XXXX XXXX XX/XX/XXXX inquiry not authorized. Sales person pulled without my consent XXXX XXXX XXXX XX/XX/XXXX inquiry not mine XXXX XXXX XX/XX/XXXX pulled a 2nd inquiry in error. 

XXXX on XX/XX/XXXX inquiry not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to notice sent by XXXX regarding Speedy Cash. Neither financial institution were given consent by the XXXX XXXX XXXX to run credit check because theres no such thing as credit check nor were there any consent to have third party non affiliates involved in private consumer transactions. If any employees from the Corporations disagree than proof must be provided. Speedy cash conspired with XXXX  to extort funds from the XXXX XXXX XXXX regarding security interest in the financial instrument and yet theres no wet ink signature signed by the XXXX XXXX XXXX regarding funds being given away or split between these corporations which are owed to him. Employees of Speedy cash has failed to validate any obligations via email in writing and yet employees of Speedy Cash are willfully and knowingly violating 15 U.S.C. 1692d ( 5 ) -causing a telephone to ring or engaging any ( person ) in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Employees at Speedy Cash are in violation of 15 U.S.C 1692e-false and misleading representation because banks or financial institution do not loan out or any assets of its depositors, employees of these financial institutions only buy and sell securities. Therefore Speedy Cash Employees were asked to validate in writing any such obligations but most importantly they have not specified the Language theyre implemented, XXXX XXXX, XXXX XXXX Manual or XXXX XXXX XXXX. XXXX XXXX. XXXX prohibits so called debt XXXX from using unfair or unconscionable means to collect or attempt to collect any debt. ( 8 ) using any language or symbol when communicating with an alleged consumer by use of mails or by telegram. 

Therefore Speedy Cash is required to specify what specie of money granted, what specie of money are they demanding to be paid, who are they demanding to pay an obligation pursuant to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has an obligation been breached by way of the Truth and Lending Act Regulation Z and provide the definition of the word Bill. Also XXXX Employees admitted that they act as trustee in regards to the Social Security Card, Name and Account Number yet they have not provided the contractual obligation/personal responsibility contract where they were assigned trustee for the beneficiary. If they are creating XXXX on the XXXX XXXX XXXX then whos pretending to be the Trustee?
Product: Credit reporting or other personal consumer reports

I've recently learned that I have been a victim of identity theft. Most of the information furnished on my consumer report results from fraud. I've attached a letter currently en route to Equifax 's mailing address. I'm submitting this complaint because I do not know when they will receive my mail, and I want to correct the fraudulent consumer report and prevent further fraud immediately.
Product: Mortgage

XXXX ( cut off due to weather ) and XXXX, I call my mortgage company, I had explained my hardship. I told them I was inquiring what needed to be paid to get on track or if I could do a bereavement. The operator then said they didn't do bereavements and with the sale being so close, they were not sure there was anything we could do. I told them I had intended to get the funds from my IRA and just needed to know how much it would take to get right and stop the foreclosure sale. Then I was told I had to apply for a reinstatement before they could tell me if I could. That's not even an amount. This application alone takes 5 to 7 business days. This still wouldn't tell me if I was approved or wouldn't stop the sale. She didn't sound positive on any of this. 
I have received papers before offering XXXX possible options in their hardship assistance program. Yet when I call asking for my options, I'm told they don't have any. So while my time gets closer I'm told to call daily to see if the application becomes available for me, At which time I fill out and return for approval. She said they can't stop the sale until that time. When I have little less than two weeks. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans with Dept of Ed/Navient. I was marked late on XX/XX/2017 as 90 days delinquent, but I was not late. I disputed through Navient 's website back in 2017 after I originally saw the reporting also called in, they stated it would be removed from all loans. It is appearing on all three of my credit reports that I pulled from XXXX/XXXX/and XXXX. I should of been in a deferment/forbearance status at this time and reported as No Data/Information for this month, it was not processed in time, the late reportings need to be removed from my credit report with all 4 credit agencies ( including XXXX ). The account numbers are as follows :
Product: Money transfer, virtual currency, or money service

After actively using and promoting Paypal services for over 5 years, and trusting this company with my personal and business funds. This completely changed on XX/XX/2021. Prior to this, my businesses were using paypal with no issues. Come XXXX, I tried to transfer funds from my Paypal to my bank account and was unable to. I called Paypal and they told me I shouldn't worry, that it was only a measure they took and needed additional information. I quickly provided paypal all the information requested and waited a few days with no response, and transactions still processing into my paypal account. Days later, I receive a call that completely startles me, I'm told told that my account has been limited for 180 Days! That all funds in the account are on hold and non transferrable. This was the start of a huge downfall for my business. And much financial troubles for my family and continues to be. With multiple 5 figures in the account needed for cash flow. All orders have been delivered promptly, I am able to provide tracking for my orders. It has been several months now and I am still unable to access these funds. This is taking food out the mouths of my family and disabling me from paying my rent. I understand to PayPal this sum of money may not be significant, but in my situation this put me on the verge of bankruptcy. If I am unable to have access to these funds very soon not only my business will collapse, but my family will suffer as well. I have not abused PayPals services in any way, this must be a mistake. I have reached out to PayPal several times, but there is no response and if they do respond they do not answer my questions. PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Vehicle loan or lease

once again NF, it is clear that CFPB process does not work as I have seen XXXX results on top of taken fees for credit reports and not giving a home loan I was forced to live in a car and hotels as this bank still have refused to put the home in foreberance they recently stole over XXXX from my account as a result, I am not able to pay for the car loan which is also my home. 

once my health is better I will clearly have to seek legal counsel as this bank does not adhered to any laws, rules and regulations. 
still a protected class member still battling major health issues refer to the attached, as this is widespread and involves numerous credit cards as none of the business have easy XXXX options for someone who is XXXX, struggling with life threatening health issues and who also fall under protected class. Each of the business expects a person with bad health to spend countless hours with each of them and I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and yet when I am able to call I am verbally attacked. I no longer have a phone so as I stated many times before email is the only option and since I either have to live in my car since I was denied many loans or if my credit card does work is when I have access to wifi. it would be great if some company allowed me to live and focus on my health. you can stop sending mail as XXXX XXXX XXXX XXXX XXXXnd going to a mailbox isn't top priority my life is. thanks similar letter was mailed to social security, XXXX XXXX, and 3 credit bureaus
Product: Credit reporting

My second mortgage loan with XXXX XXXX XXXX past due amount was paid in full in XX/XX/XXXX. And, I continually pay the monthly payment due each month until the full amount, showing on my credit report to date, is fully paid. XXXX XXXX XXXX must change the status of my loan to " pays as agreed ''. Charged off account, as committed by XXXX XXXX XXXX is false, as I am current on my monthly dues as noted on my credit report. 
On my personal information, the XXXX addresses showing and reported that I have lived in : former addresses XXXX and XXXX need to be deleted. I do n't recall living in these XXXX addresses. 
Lastly, there 's a query listed from a XXXX XXXX on XX/XX/XXXX. Please remove that on my profile, I have never dealt with XXXX XXXX before. 
Lastly, how do I go about clearing the 'negative accounts ' on my credit report? 
I appreciate your help resolving the issue as noted here. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Isent a letter to the courthouse asking do the report bankruptcies to the credit bureas and I got a letter stating '' They do not report any bankruptcies to anybcyody. '' So if thats the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term ''investigative consumer report '' means a consumer report or portion thereof in which iformation on a consumer 's character, general reputation, personal charactericstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

They credit bureaus violated my given rights under USC 1681.

According to U.S.c 1681 section 602 A. States I have the right to privacy.