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

I am a Victim of the data breach. My right to have accurate information on my report has been violated. This is identity theft according to Florida XXXX XXXX XXXX : I gave no authority to furnish private information, this is trespassing. 

These credit reporting agencies and the creditors/inquiries listed in these reports deprived me of my basic right to privacy and are guilty of Conspiring to deprive me of my rights under 18 U.S. Code 242.

All furnishing of account information MUST BE DELETED within 4 business days from the receipt of this notice pursuant to 15 U.S Code 1681s-2 ( 6 ) ( B ).

I Request that they all block this information from my consumer report within the next 4 Business days pursuant to 15 U.S. Code 1681 c-2 - Block of information resulting from identity theft.

Update account to Provide 850 credit score and update all paid as agreed. No hard inquiries allowed ever. 

Not only have I been a Victim of identity theft, but XXXX XXXX AND XXXX has aided and abetted each individual perpetrator listed on the credit report in this crime of identity theft pursuant to 18 U.S. Code 1028A - Aggravated identity theft by publishing this subsequent information without my consent and against my wishes, for their own personal gain. And are guilty of co-conspiring in a scheme to collect on extensions of credit through extortionate means pursuant to 18 U.S. Code 894 ( a ) ( 1-2 ).

According to the FCRA CREDIT REPORTING AGENCIES HAVE A grave responsibility to uphold fairness and impartiality. They subsequently failed to uphold that responsibility and has deprived me of my right to privacy they are required to uphold under the Gramm-Leach-Bliley Act ( GLBA ) 15 U.S. Code 6801 and the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Vehicle loan or lease

I contact them in reference to the repossession and didn't receive any respond it was during Covid.in XXXX and XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have UNAUTHORIZED inquiries in my credit report that must be removed.
Product: Credit card or prepaid card

Problems are interest fee in which it causes the credit card company to be overcharged causing my monthly payment to increase greatly.
Product: Credit reporting or other personal consumer reports

I am trying to purchase a home and was advised of damages on credit report detrimental to my character. According to the 15usc1681 please remove all fraudulent information immediately.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the provisions outlined in 15 USC 1681, specifically section 604 ( a ) and 15 USCS 1666b. As per my understanding of these regulations, a consumer reporting agency is prohibited from furnishing an account without the consumer 's written instructions.

I have noticed that there are closed accounts on my credit report, and I would like to formally request their removal. According to the mentioned statutes, I believe that the presence of these closed accounts may not align with the legal requirements. 

Some accounts are listed closed twice Such as cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also 15 USC 1681 , specifically section 604 ( a ) and 15 USCS 1666b . These regulations emphasize the necessity of obtaining written instructions from the consumer before furnishing an account. Additionally, I have identified instances of reported late payments, and I believe that addressing these concerns aligns with consumer protection laws. I kindly ask for a thorough investigation into these matters and, if applicable, the prompt removal of closed accounts and correction of any inaccuracies related to late payments on my credit report. Your cooperation in ensuring the accuracy and compliance with relevant laws is greatly appreciated.
Product: Credit reporting or other personal consumer reports

In pursuant to 15 U.S.C. 1602 ( l ) the term " credit card '' was used to initiate a consumer transaction. The term credit card or other credit devices existing for the purposes to obtaining money, property, labor, or services on credit. The term adverse '' action never mentioned anything to do with the consumer getting denied credit. In pursuant to 15 U.S.C. 1602 The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Credit is my right and I am the one who regularly extends credit in the connection with loans. Banks are the borrowers as described in 12 USC 1431. In pursuant to 15 U.S.C. 1602 ( g ) I am the original creditor and I am well aware of my rights, I know that reporting to the consumer agencies is voluntary. This is a private transaction and this an unfavorable situation to me for the consumer. Nowhere in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. Also per FCRA 604 ( 2 ) there never was a clear written disclosure nor authorization from me as the consumer and also as the natural person. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. A inquiry popped up on my consumer report which is a receipt of transaction as proof of reporting my federally protected information.
Product: Debt collection

This is the second time they 've repeatedly called me after I sent them a " cease communication '' letter. The first time was from XXXX XXXX, through XXXX XXXX, 2012. On XXXX XXXX, 2012, I sent them a second " cease communication '' letter. 
I 'm not entirely sure when the calls started again ( I erased my Caller ID ) but since I erased my caller ID, I 've received five calls ( from XXXX XXXX through XXXX XXXX ). They do n't leave a message so today I called to ask them to stop calling. The woman who answered the phone was extremely rude. She told me name of her company but hung up on me the second time I asked for their address.
Product: Debt collection

see complaint XXXX XXXX did not supply the debt validation letter, purchase agreement, or any of the information that I have asked for. Finally they have violated the cease and desist in my letter to them by continually sending text messages and emails.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
XXXX XXXX XXXX XXXX XXXX**** Opened Date XX/XX/2015 Balance {$2100.00} // Charge Off XXXX - XXXX XXXX  ***** Opened Date XX/XX/2015 Balance {$2100.00} // Charge Off
Product: Money transfer, virtual currency, or money service

Hello OnXX/XX/XXXX I initiated a wire transfer to Coinbase.com to from my XXXX bank account. 

The amount of the wire transfer was {$7000.00} to be deposited into my coinbase account within 2 days. On XX/XX/XXXXI received an email saying : " You recently sent a wire to fund your Coinbase or GDAX account for {$7000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us XXXX business days for processing. '' I was very frustrated as the owner names on both accounts are the same and Coinbase prefilled the information I needed to give my financial institution. 

I waited 7 days for this to process and finally contacted them on XX/XX/XXXX as no money was received. They instructed me to go to a certain form which led me right back to where I was in the first place to fill out information ... 

I gave them ALL reference numbers, bank wire numbers, FED reference numbers and they have gone silent. 
This money is very important to me and something I need to rely on. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request to you to remove the disputed accounts and information that resulted due to identity theft. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX  XXXX Balance Owed : {$580.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX DEALERSHIP/AMERICAN FINANCIAL was a very dishonest company and legally scammed thousands of customers. After XXXX rounds of disputes I was able to have the account deleted from my profile with supporting evidence. 

On XX/XX/XXXX customers learned via XXXX from fired employees that our signatures were forged. Additionally that current/delinquent customers were being sent to collections. XXXX XXXX, did not reach out until XX/XX/XXXX via text message only ; no formal documentation. The company also violated XXXX of the contract which states any changes in this lease must be in writing and signed by you and XXXX. 

I originally got this leased vehicle with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX they sent me a letter stating they apologize they werent able to finance me and provide me with a vehicle. 
Furthermore the manager went from telling me my down payment was {$750.00} to changing it at signing to {$1200.00} instead. At the time I was in a desperate situation and needed transportation for my children and I. From the start Ive had nothing but issues with this company dishonesty. 

When customers learned the news we were guided via dmv & news outlet to make a complaint with AL Attorney General, which I did and seeked legal advice. 

On XX/XX/XXXX I successfully had XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account removed from my credit report. 

On XX/XX/XXXX the XXXX XXXX XXXX was repossessed from my location ; I have no knowledge of its whereabouts. As of XX/XX/XXXX in the midst of me attempting to finance a vehicle I am unable to and learn of a 90 DAY DELINQUENT ACCOUNT BEING REPORTED BY XXXX XXXX XXXX FOR A {$33000.00} BALANCE, REPORTING PAST DUE 90 DAYS FOR {$1600.00}. THE ACCOUNT IS REPORTING AS OPENED XX/XX/XXXX 

I HAVE NOT SIGNED A CONTRACT WITH XXXX XXXX XXXX. 

At the time of learning what this scandalous company did to current customers as myself through terminated employees via XXXX, it was rumored the company was filing bankruptcy. 

I had this account DELETED FROM MY CREDIT REPORT ONXX/XX/XXXX 

XXXX XXXX XXXX, I am requesting that you IMMEDIATELY DELETE this erroneous account from my credit profile. Your company has violated many FDCRA REGULATIONS AND CONSUMER RIGHTS, starting with harassment of phone calls and calling at XXXX!!!!! 

I look forward to your cooperation of the guidelines set forth under the FDCPA and FCRA. Furthermore, I request that you cease & desist reporting of these alleged debts and delete this erroneous account and all unauthorized personal information in your database.
Product: Vehicle loan or lease

I spoke to a representative approximately XXXX about a relief. I missed 2 payments in 2020. I have not missed a payment since. I have a negative mark on my credit and I do not have extra funds to pay the late 2 payments. I asked Toyota motors to relief my late payments and I will continue making payments including the late payments, it was denied. I cant refinance my loan even with a fair credit score XXXX because my 120+ day delinquency. I received calls during the day and after XXXX XXXX, and on weekends wanted their payment. they sent me letters stating they will repossess my vehicle.
Product: Mortgage

In XXXX of this year we was hit by a tornado and our house was severely damage by a XXXX pound tree falling on it. We contacted insurance and our mortgage company. I wanted to skip a payment cuz we had no clothes or anything and was informed by my mortgage company XXXX XXXX XXXX XXXX XXXX that they offered a disaster relief program and that it was standard to take is since our home was unlivable that they would put our payments on hold until the house was rebuilt. I was reluctant to accept cause I told the agent I wouldnt be able to pay such a large sum back at once when the house was done to which the response was to not worry we would just do a modification to the loan and move payments to the end of the note. The bank has held us up every step of the way and made it very difficult to get money to pay for repairs. After 5 months we are fixing to move home and my program has ended. I tried to start making payments but was told I couldnt and I needed to pay over {$6000.00}. I told them my agent had sent me paperwork to do a modification to the loan. I was told that the application couldnt be sent in because although my program had ended the case wasnt closed and that it would take some time to process. After two weeks it still wasnt closed and they reported to my credit that I was 180 days delinquent so my credit score plummeted. After reporting to credit bureaus they have started processing my application. I feel like Im being railroaded or scammed by the bank and they are intentionally doing things to cause these issues for their benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 2 accounts arent mine. Please remove them.
Product: Mortgage

I purchased a property with my ex, whom i was a co-borrower with, who filed for chapter XXXX bankruptcy in XX/XX/XXXX. He relinquished his rights to the property and I assumed responsibility of all payments. In XX/XX/XXXX I acquired the property via special warranty deed. Since XX/XX/XXXX, Freedom Mortgage has limited my access to my account and not provided me with statements. I have attached the extent of information provided on the site in the upload document section below. I have called monthly to obtain clarification and breakdowns of fee 's on my account and was told they were not able to provide me any information. As a result Freedoms lack of transparency on my account they allowed for XXXX homeowners policies to be paid out of my escrow ( XXXX policies taken out by a non owner of the property who filed bankruptcy in XX/XX/XXXX ), provided me with incorrect payment amounts, and are currently received payments and failed to apply to the account. This caused my pay off amount to be in excess of {$10000.00} due to months of un-applied payments.
Product: Credit card or prepaid card

i was unable to view my account for my card online there was a prompt saying that unauthorized purchases needed to be reviewed for some kind of fraud issue. i called in and i was told that i needed to use docu sign to authorize to have my tax papers reviewed to confirm my identity. I was misled and there was no fraud. I was also told with the current pandemic this could take weeks and my card may or may not allow for purchases. I advised this is not the best time to do this as the world is experiencing a pandemic and stopping a card at this time could hurt a customer financially. I am not sure what other customers are going through this, but this shouldn't be allowed during a time like this. Something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have names, addresses, accounts, hard inquires on my credit report that is making it hard for me to get credit that should've been deleted off my credit report. Old information that isn't correct that need to be removed and bankruptcies that should've been removed from my credit reports.
Product: Debt collection

In XXXX of 2022, Convergent Outsourcing agreed to delete all the information regarding my Account # XXXX and request removal from the three credit bureaus. I then paid the settlement in two payments of XXXX $ totaling the full settlement of XXXX XXXX 

However, Convergent Outsourcing is now claiming that they don't have the authority to delete this account and request removal from the three credit bureaus, because it is not allowed by the original creditor. 

I am fully aware that this was a deceptive practice by Convergent Outsourcing to collect the debt. Furthermore, as the data furnisher they do have the authority to alter and remove the information provided to the credit bureaus. This company has violated my rights under The Fair Debt Collections Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I forwarded {$300.00} to an online retailer via Western Union ( transaction number XXXX ). After not receiving the product, and any further correspondence from the retailer, I filed a fraud complaint with my bank. My bank issued me a temporary credit in the amount of {$300.00} while they investigated the charges. After completing their investigation, my bank reversed the temporary credit and funded the transaction on XX/XX/XXXX. They advised me to file a fruad complaint with Western Union and I did. 

After speaking with a customer service representative from Western Union, I was given a fruad file number and told that upon receiving the fraud complaint from my bank, Western Union issued me a refund on XX/XX/2018 in the amount of {$300.00}. I then placed Western Union on a conference call with my bank and they restated that they issued a refund back to my bank on XX/XX/XXXX for {$300.00}. 

Using that information, my bank reinserted the claim for further review and on XX/XX/XXXX denied it again. They stated that they have no record of Western Union issuing me a refund. So I called Western Union with this information and CSA # XXXX confirmed that they issued my bank a refund in the amount of {$300.00} on XX/XX/XXXX. When I asked for a transaction ID number for the refund, I was told that the refund would have the same transaction ID as the initial charge. They said that the refund was awaiting acceptance from my bank. I asked if I could place Western Union on another conference call with my bank. I was then told by Western Union that the initial transaction was processed and paid out to the online merchant on XX/XX/XXXX therefore they can not issue me a refund. I asked them to explain how were they able to inform me and my bank about the refund taking place on XX/XX/XXXX and now tell me there wouldnt be a refund. The CSA offered no explanation. Instead I was told to contact my local law enforcement.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.