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

In accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 a " There is a need to insure that consumer reporting agencies exercise their great responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Republic Finance LLC, XXXX, and XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Republic Finance LLC, OppLoans/Finwise, and Net Credit XXXX and any financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to Republic Finance LLC, XXXX, and XXXX XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Republic Finance LLC, XXXX, and XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, Transunion, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

XXXX charged my credit card a cancelation fee when I saw it on my bill I immediately challenged it. Twice. US Bank sent paper work for me to fill out and fax to them. Which I did and still have the confirmation page. US Bank then said I did n't send the paperwork back and I need to pay them. I have not paid them and it is only {$180.00} but they will ding my credit and I will continue to complain about them
Product: Credit reporting or other personal consumer reports

This grumbling to CAPITAL ONE was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC numbers XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Company and I have contacted the XXXX themselves. I am now getting letters from the attorney 's office without having them change my credit or make anything right by them dinging my credit with the unlawful pull of my credit. 

1. They did not have my permission to pull my credit. 

2. They had a letter advising NOT to pull my credit. 

3. They did not have an updated consent to pull my credit and the information they are basing their authorization off of was NOT supposed to be pulled and used in the first place due to the XXXX XXXX leasing standards for XXXX. Unlawful and XXXX anyway even if it was was not up to date. 

4. 3rd party did NOT have a signed dated consent to pull so someone gave them my consent unlawfully to pull my husband 's and my credit and it was done unlawfully and with intent. 

NOW they are attempting to get my information to put it through so they can scam me again. I want charges files and their files audited. Their city and newspaper are in with my records as well should you look at the address where they keep all records and NOTHING is done lawfully. Attempting to go through their counsel, I am getting delayed tactics and semantics. 

I have attached a series of emails. XXXX knows that there is no change in our " borrowing '' services and there is no change from the " original '' term which they denied us years ago and this is a formality because they forced us into a " rent-to-own '' circumstance. Therefore this " new application '' is a formality so we are no longer having to pay additional " rental fees '' on top. They are wanting authorization to run our credit while they already did it illegally when they did NOT have permission to on the form they told EGS/NCO they did have permission and sent the authorization through.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated the listed accounts and account numbers below was properly investigated but how is that even possible if the open dates is inaccurate, the date last reported is inaccurate, the date last active is inaccurate and the account status is inaccurate. This is destined for removal. They violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 ; It says a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my report as well. 

List of Inaccurate Credit accounts that needs to be removed : XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Number : XXXX I would like these inaccurate credit accounts removed permanently from my credit report.
Product: Credit reporting or other personal consumer reports

The accounts below are reporting the incorrect opening date and reporting accounts that have been removed from other bureaus. I have asked the credit bureau to verify the account information they are reporting and match it up with the other bureaus but they all send back accounts verified with no change. Please see the proof and evidence these account are reporting different on Experian, XXXX, XXXX. 

XXXX XXXX balance is {$0.00} but still showing as a charge off. please change to paid in full never late XXXX XXXX  XXXX incorrect opening dates and was removed from XXXX for inconsistent reporting data XXXX XXXX XXXX  XXXX had been sold and paid off with {$0.00} balance but still showing as a charge off. please change to paid in full never late
Product: Mortgage

In 2004, Wells Fargo gave me a loan on a condo. The loan was for a condo, XXXX XXXX XXXX XXXX in XXXX CA. The condo cost approximately {$210000.00} and the loan amount was around {$400000.00}, with a balloon payment of {$50000.00} after 5 years. I was a beginning XXXX at the time. I was making approximately {$2600.00} a month with a payment around {$1400.00}. I ended up losing the house despite trying to work an extra job. I just couldn't afford the payment and there was no way I was going to have {$50000.00} in 5 years on a XXXX XXXX salary. I was very young and I kept asking how I was supposed to afford this amount. The loan officer just kept telling me I could do it. I would like to lodge a complaint against Wells Fargo and see if I can recover any of the money I lost due to the foreclosure and making a poor XXXX lose her home. Thank you.
Product: Debt collection

Yes this collection company keep putting derogatory credit on my report for XXXX. I never had of XXXX account and they know this. I have for proof of identification use to open this account and ask XXXX to investigate and they havent did anything. But said this debt will stay on my credit. They need remove this from my credit with out proof who did this and block collection company for putting anything on my credit report. I will seeking attorney to sue XXXX and this collection company. I have credit monitoring on my credit and it seems not to be working or they just dont care. I just received of sellment check just for this same thing. And see they are back at it again not protecting my information and allowing collection company do whatever they want without proof of person owe if debt.
Product: Debt collection

Hello I have been dealing with a serious issue with the States Recovery Systems Company in XXXX XXXX, CA. Since XX/XX/XXXX, I noticed on my credit report that the company States Recovery Systems had shown up as a debt collector " claiming '' I owed them a debt. In XXXX of XXXX, I reached out to them via certified mail trying to dispute the matter by requesting the original instrument of indebtedness they that claim I owe as well as a contractual agreement between myself and SRS. I let them know that if they couldn't provide me with anything within 30 days then they have accepted the " debt ' they claimed I owed them. The company have failed to respond back to me but still is reporting the erroneous item on my report. They have violated 15 usc 1692 codes f through g.
Product: Credit reporting or other personal consumer reports

I was notified that my social security number had been exposed in several data breaches so I checked my credit reports and notice several accounts that I did not open that I listed on this report from XXXX XXXX XXXX ( there is XXXX closed accounts from this company ) XXXX XXXX XXXX XXXX XXXX ( XXXX closed accounts from XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also there is a Bankruptcy on my reports that I did not do. Please remove these items asap.
Product: Credit reporting or other personal consumer reports

In 2016 XXXX parent companies XXXX who went out of business and XXXX placed XXXX fraudelent accounts with a collection agency in 2016 to LVNV Funding LLC XXXX XXXX, NV. I disputed and bureaus removed it years later same agency has placed back on my reports causing damage to my credit where I can not obtain housing due to chargeoffs. I refuse to pay for what I did not receive. ID theft. Now the above has sold debt to another collection agency by name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ref # XXXX stating {$1000.00} owed It is a battle with them an ID theft report was filed years ago they still ignore the law
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiry listed below from my credit report. I am a victim of a data breach, and this information does not belong to me. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove these items upon receiving this request. 
Fraudulent Account : XXXX XXXX - XXXX - XXXX - {$1200.00} Fraudulent Inquiry : XXXX XXXX XXXX XXXX - XXXX
Product: Mortgage

I have been working with Select Portfolio Servicing. They are my mortgage lender. I have been working with them since late XX/XX/2018 on a mortgage loan modification. 
The reason that I requested this is that they increased my mortgage payment to XXXX. This is an increase of over {$200.00} over my previous mortgage payment with them. I just can't afford to pay this amount every month on a consistent basis. 

Starting in late XX/XX/2018 I applied for the modification. I provided the documentation for this loan modification multiple times to them. For example, I have provided the signed lease agreement ( I am renting the property ) twice. Also, I have provided two months of my checking account statements to them at least four times. These statements included notes about rental income, income from work, etc. I believe that I am getting stonewalled by the company for this refinancing. Every time that I have called them there seems to be a request for something that I have already provided. Also, they have recently started replying to me by mail. This, I believe, is another delaying tactic. They are in XXXX XXXX XXXX, XXXX  and I am in XXXX, XXXX. So it takes about a week for the letters to reach me. They have told me at least twice that they have all the information they need to make a determination about refinancing. 

I am very frustrated with this situation and I am seeking your help to resolve it.
Product: Debt collection

On XX/XX/2018 I sent PRA a dispute letter and received a response about debt settlement on XX/XX/XXXX. It was past 30 days when I received the response from them. I asked them not to contact me yet they still call from local numbers. I called PRA back in XXXX to find out about doing a " pay for delete '' and was told that THEY CAN NOT GRANT my request. I had several other collection accounts with PRA in  the past and they were removed without me paying a dime. They are conducting illegal activities.
Product: Credit card or prepaid card

XXXX XXXX order # XXXX for purchase & high wall mount install of 43 '' XXXX TV, XXXX XXXX Purchased gift for me by my son XXXX XXXX XXXX XXXX his credit card for XXXX XXXX XXXXnstall on XXXX/XXXX/XXXX. 
Delivery of wrong mount & reorder XXXX/XXXX/XXXX, correct mount BBY XXXX, additional {$200.00} cc. 
Install XXXX/XXXX/XXXX, XXXX to XXXX by XXXX XXXX XXXX XXXX --, demo ok, another $ XXXX & refused return-credit. 
Not touched after demo, no service XXXX next morning, spent entire day with all involved, no success. 
XXXX XXXX 's would not come until the following Tuesday XXXX/XXXX/XXXX order XXXX. Sunday XXXX/XXXX/XXXX my repair tech found the cable installed by XXXX XXXX tech XXXX -- broke at connection, too short. He installed a replacement 15 ' HDMi cable {$32.00} and 1 hour service call!. My appeals for $ $ $ Satisfaction and Application of XXXX XXXX  's Policies have died at the Store Manager 's level. Attachments support all the foregoing!
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Phone Calls... Text.. Emails .... Spam 15 USC 1681 Data breach .... Please remove from my Credit report PORTFOLIO RECOVERY
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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
Product: Credit reporting or other personal consumer reports

Requested according to " 15 usc 1666b and 1681s2 Responsibilities Of Furnishers andCongressianal findings also disputed the XXXX, XXXX, and Date validation.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, 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 computergenerated 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 XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX  XXXX  Information Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
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.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

Description of What Happened : I, XXXX XXXX, am a victim of identity theft and was affected by the National Public Data Breach, which compromised my personal information, including my Social Security Number. As a result of this breach, several fraudulent accounts were opened in my name without my authorization. These fraudulent accounts are currently reflected on my credit report with Equifax.

Despite submitting a formal identity theft report with the Federal Trade Commission ( FTC ) and contacting Equifax to dispute these accounts, they have not been removed from my credit report. I have also provided Equifax with additional supporting documentation, including proof of the National Public Data Breach, a copy of my government-issued identification, and my Social Security card . 

The fraudulent accounts that I have identified on my Equifax credit report include the following : XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c-2, I am entitled to have fraudulent information removed from my credit report once proper documentation has been submitted. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, no debt collectors should pursue collection of these fraudulent accounts.

I am requesting the CFPBs assistance in ensuring that Equifax promptly removes these fraudulent accounts and any associated inquiries from my credit report, and that my rights under the FCRA and FDCPA are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dealer XXXX XXXX XXXX ( XXXX, FL. ) ( * ) intentionally and fraudulently misrepresented buyer contract down-payment figures on a vehicle loan amount in order to desperately secure a loan from financier Westlake Financial Services XXXX XXXX, CA. ). 

The consumer/ buyer notified Westlake Financial of the fraud and a investigation by Westlake Services ( Dealer Compliance Dept . ) was launched. 

On or around XX/XX/2021 I had phone conversations with Westlake Rep. XXXX XXXX XXXX ) who confirmed that Westlake Financial Services had demanded ( dealer ) XXXX XXXX XXXX 'RE-PURCHASE ' the loan. 

Since that time Westlake Financial Services has refused my request for a copy of this demand letter and has reported the contents of the loan as accurate to all ( 3 ) credit reporting bureaus. 

( * ) Reported that I submitted ( {$7000.00} ) dollar down-payment when in fact I only submitted ( {$3500.00} I don't believe I should be held liable for intentional misrepresentation and fraud in a fradulent contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account with XXXX XXXX XXXX account number XXXX Date Opened XX/XX/2013 was never Past due 30 days six times or more late at any point please help e resolve this issue
Product: Debt collection

The debt is over 10 years old and they threaten to sue me
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$100.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXXXX/XX/XXXX