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

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$6000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$7400.00}, XXXX XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Wells Fargo reposessed our vehicle in XXXX. When I sent a complaint to them about violating the SCRA, they denied getting my husbands XXXX for the XXXX. They also denied repossessing the vehicle. They sent me the original loan information, which clearly states the original payment was {$510.00} at 16.95 % interest rate ( they bought our loan from another bank in XXXX ). After fighting with them to lower the interest rate because we bought the car before enlistment, they finally lowered the interest rate and the payment became {$420.00}. They are saying they had no idea of deployment when in fact they did because in order to lower the payment, I needed to fax them his orders. They are refusing to send statements stating the changes interest rate, even though the payment is drastically different than the original loan states. They also claim they did not repossess the vehicle. They charged off a {$13000.00} vehicle loan, and they are claiming that they did not also take it. My husband should have been protected from this. They are trying to obscure the facts and as a consumer, we ca n't get into the files. They can easily say that they did n't reposess it but the facts are we no longer had the car in our possession in early XXXX. If they are doing this to my husband, I am sure they are doing this to other soldiers who are unaware of what happened to them.
Product: Debt collection

I have submitted several request for debt validation from Portfolio Recovery Associates and have still not received it over the past year. Most recently on XX/XX/XXXX the above company received a certified letter from me requesting debt validation. On XX/XX/XXXX they responded with 2 letters, one requested that I provide them with additional information so they could " complete the investigation of the alleged dispute. '' The second letter stated that the debt was sold to PRA and that an " electronic file '' was provided to PRA at time of sale. I have yet to receive any validation from the company including a signed statement that states that I'm responsible for this debt.
Product: Mortgage

On XX/XX/2021 we received a preapproval for a VA mortgage from Navy Federal Credit Union. We told them upfront that our primary source of income was our XXXX XXXX Yet they did not request our XXXX until XX/XX/2021. XXXX XXXX and XXXX requested our XXXX immediately. Because of Navy 's incompetence, we had given due diligence of {$1000.00} on XX/XX/XXXX, and {$550.00} for the appraisal, all for nothing. This whole process was one long nightmare. Our credit was denied on XX/XX/XXXX due to the income to debt ratio that could have been established in the first days after our preapproval. We wasted over 3 months and lost the chance at finding a home. Additionally, Navy largely ignored us for long periods of time when we requested information, and we were not informed in a timely manner that documents were requested. Our real estate agent said her company doesn't like to deal with Navy Federal Credit Union because of their long delays and ineptitude. We repeatedly tried to get Navy to provide our real estate agent with forwarded messages, but this was rarely done unless we complained enough times. After repeated requests from us to send us the appraisal, because the owners were about to terminate the purchase, Navy did so only after we fired Navy 's financial officer and repeatedly tried to contact their supervisor.
Product: Payday loan, title loan, or personal loan

Dear Sir/Madam, I was approved for a loan from big picture loan of {$400.00} on XX/XX/XXXX with interest rate of XXXX and I have agreed to pay the amount automatically from my checking account. However, I did not know the interest rate and past due fees will keep following me until this day. I have paid over {$1000.00} and I have called a couple of times to arrange payment plans but each time I face difficulty paying the amount as you can see it in my attached documents. Every time there is a reminder and late fees. I 've paid the loan back with a double amount and now I am searching for a help to stop paying the remaining amount which is {$620.00}. In addition, I have checked my payment information online on XX/XX/XXXX and as per the attachment, no information revealed, everything is unavailable and I am afraid that they will keep charging me even if I paid off the amount which ca n't be happened now or even later. I am requesting to review the legal agreements to see the consequences if not paying back and I could n't find a better way than contacting you. I have a full-time job and I am trying so hard to pay my bills, but this loan is affecting my financial status terribly. Therefore, I can not pay anymore and I want the electronic detection from my account to stop. 


Thanks,
Product: Credit reporting or other personal consumer reports

Disputed late payments remain on my credit record despite communication sent over 30 days ago requesting validation. No response has been provided to address these questionable entries that are negatively impacting my credit standing.
Product: Credit reporting

I used the federal government 's website to check my credit report using TransUnion and as I had not recently gotten my credit score I purchased what appeared to be a one time credit score. Now my credit card is being charged a recurring charge for credit protection. It did not appear that I was signing up for credit protection, nor did I want credit protection. It was never my intention to sign up for a recurring service and it was not clear at all that I was signing up for such a service.
Product: Credit reporting or other personal consumer reports

Im writing to report an issue with a fraudulent account that has shown up again on my credit report. This account was deleted after I disputed it as part of an identity theft case. I had already worked with TransUnion, and they confirmed its removal on XX/XX/XXXX. Now, I see that the same account has been reinserted, and I wasnt notified about it. This isnt just frustratingits also a violation of the Fair Credit Reporting Act, which says I should have been informed within XXXX business days of any reinsertion. This account is fraudulent, inaccurate, and has been causing me unnecessary stress. I need TransUnion to delete it again and confirm for me that its gone for good. Id also like to know what steps are being taken to prevent this from happening again. Im counting on your help to fix this quickly and make sure my rights under the FCRA are respected.
Product: Credit reporting or other personal consumer reports

In reviewing my XXXX Credit Bureau information, I saw where they reported me XXXX months in a row, XXXX  days delinquent, XXXX XXXX XXXX. This is inaccurate. I have the AMEX statements and XXXX XXXX XXXX XXXX  XXXX showing the payments made. I froze my AMEX account in XX/XX/XXXX on their special program to pay my indebtedness because I did not want my credit score damaged. I completed this as required and a monthly amount of {$920.00} began XX/XX/XXXX to be completed XX/XX/XXXX, yet a final payment of the same amount was debited XX/XX/XXXX. I contacted AMEX and spoke with the first customer service person who stated " Her hands were tied ''. What? I asked for the next level up and for whatever reason received the same response. My question for both was " How can they say there is nothing they can do when they are the reporting company. As I stated, I have the statements from AMEX and XXXX XXXX  showing the payments made as scheduled and XXXX showing 4 months XXXX  days late? I value my credit score which is the reason I entered the program to keep my good credit standing. Why enter it when they lowered it at the end with erroneous information and say their hands are tied. This is the AMEX Corporation!! I need your help please for this to be corrected.
Product: Credit reporting or other personal consumer reports

I have identified serious billing errors under XXXX5 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : 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 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 the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom it may concern, My name is " XXXX XXXX ", I am writing this request for these inaccurate items that are listed below to be reinvestigation. If accurate, they have to be removed off my credit report in 30 days according to Fair Credit Reporting act. I will be validating all debts from these creditors and filing complaints on all parties to XXXX, XXXX, Experian and every creditor reporting the above items ) and filing lawsuit if not done.

**Name** XXXX XXXX XXXX **Address** XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX **EMPLOYMENT INFO** XXXX XXXX XXXX XXXX PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESS. % % **Auto Loans** XXXX XXXX Reported : XX/XX/XXXX This collection account is not belong to me. The original creditor don't have any signed contract with me. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed immediately. 
XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine. Please delete it immediately XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine. Please delete it immediately **REAL ESTATE LOANS** _XXXX XXXX Reported : XX/XX/XXXX This account is account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Hard Inquiries** XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX XXXX  XXXX Inquiry :  XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX   XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Product: Checking or savings account

I asked for a letter establishing me as the holder of my account and they insisted on charging me {$35.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one has placed a credit freeze on my credit account. When I call about having it removed I am being told it will cost money to remove the credit block. I need to have my credit pulled to get a better interest rate on my vehicle with    XXXX   XXXX  .
Product: Debt collection

Received a call on XXXX XX/XX/XXXX from an agent from XXXX XXXX XXXX, a debt collector, claiming that I owed {$810.00} for a " Flexshopper '' account that was charged off in XX/XX/XXXX and now owned by a company called XXXX XXXX XXXX. I stated to the agent that the debt was not mine and stated that I needed a debt verification as the agent could not even tell me what address I was living at during the time this debt or account was supposedly applied for. I have not received any documentation from the company other than a standard debt letter which I am also taking action to dispute ( see attached ) and request all documentation on this account such as completed applications forms or promissory notes, emails and email addresses, addresses, phone numbers, names, SSN # s, etc. It is also suspect that out of the blue, a debt collector would try to collect on debt that is at least 3-4 years old ( based on the phone call and letter I received ) as I have never been contacted about this account previously. XXXX XXXX XXXX XXXX reveals very little as I could find any contact information or website for them except that it is a foreign limited liability company and appears to have been incorporated in multiple states throughout the XXXX calendar year. I believe that XXXX XXXX XXXX is running a scam where they may take fraudulent or time barred debt and misrepresent it to debt collectors as " owed '' and debt collectors attempt to collect the debt without confirming the validity of the debt. This an evil practice that preys upon vulnerable people to take what may be the last dollars in their bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 60 days to receive no response because clearly you all are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove of those items from my credit report. It has been 60 days so they should be deleted promptly. In addition, my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX  , I filed a complaint with the CFPB re :  XXXX . It is now   XXXX   XXXX   XXXX   and you have not followed the guidelines of the FCRA or FDCPA which allows  XXXX  Days for your company to respond to the complaint. By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney  Generals o ffice, should you continue in your noncompliance. I further remind you that, as in  XXXX  v.  XXXX   XXXX   XXXX , No.  XXXX  (  XXXX .   XXXX   XXXX   XXXX   ), you may be liable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required time-frame, and I have evidence of such, via the CFPB website.You must now remove the items. I am filing a lawsuit against your company. I would be seeking {$1000.00} per violation for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act These are the accounts that I demand removed : 1.    XXXX   XXXX    XXXX   2.    XXXX   XXXX     XXXX   3.   XXXX   XXXX   XXXX  4.   XXXX   XXXX   XXXX    XXXX   5 .  XXXX   XXXX   XXXX   6 .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX  8.   XXXX   XXXX     XXXX  9.   XXXX   XXXX    10 .  XXXX   XXXX   XXXX  #  XXXX  11.  Judgement Case  #  XXXX . Please be advised I am also filing a lawsuit against your company for falsely reporting all of accounts above. None of my accounts end in  XXXX . You are not showing the full account number, which can easily belong to another person. Therefore, since you are not providing the full account number that is considered false information. You are now also in violation of the FCRA providing false information. The judgements CAN NOT be verified due to the fact that in your verification, it is impossible unless you file a motion to the court to obtain my full social security number to PROVE that the judgements actually belong to me instead of someone else with a similar name.
Product: Credit card or prepaid card

I do not think that is fair. I called to see why I was late since I have not used this card. They informed me that it is an annual fee. I received no emails or mail notification of the fact. Maybe I did pay this in the past because I was using the card. But I paid off the balance and have not used it. I have never had a late payment in my life and this dropped my credit score over 100 points. Please help me.
Product: Credit reporting or other personal consumer reports

Per my credit report from Equifax, TransUnion, and Experian ; they are reporting inaccurate information. Inaccurate information is reporting on my credit profile and is causing me to be denied purchasing a home as a retired Veteran. I'm requesting that the credit bureaus validate the debt by request the completed contract that was signed with a WET signature. I have been overseas per my military obligations. I am now retired and I and requesting that the credit bureaus not electronically verify, but to request from the company 's to provide a contract showing that I requested the company 's product and a signed contract with a WET signature on the contract. I received letters from company 's that stated that I was a part of several data breaches and my information is on the dark web
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have now received 2 phone calls at my place of business from Midland Credit/Midland Funding. I wrote to them previously and asked them to not contact me and they have now violated this two more times. Today ( XX/XX/2019 at XXXX ) I received a phone call that asked if a person with only my first name ( they actually used my nickname and not my legal name ) here, when I said yes they hung up. They have done this before so I know it was them or someone on their behalf. This company needs to be stopped. They are harassing me and have been for a couple of years. Last phone call they threatened me with legal repercussions. I do not even owe them money as they bought a debt I had to another company. I never once signed a contract with Midland and therefore do not legally owe them any money. I spoke with the original creditor and they are NOT collecting on this account and charged it off.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$16000.00}