23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In Between XXXX XXXX, 2017 and XXXX 2017 My identity was stolen. An unknown individual obtained services through XXXX WITHOUT my authorization in the Amount of : {$1900.00}. Allied Collection Services located in XXXX XXXX, NV is seeking to collect on this debt. But it is not mines. I have taken the necessary steps to dispute this fraudulent activity with all three credit Bureaus, Filed a police report and also Filed a extensive report with Federal Trade Commission. I have submitted a copy of my police report to the collection agency listed above and I have also submitted a written a certified statement to them as well. I am also seeking to find out if the named collection agency in even licensed in the state of Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown Accounts on my credit report DISPUTE XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$72.00} Balance Updated - Credit Limit - Past Due Amount {$72.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$59.00} Comments - XXXX XXXX XXXX L Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$71.00} Balance Updated - Credit Limit - Past Due Amount {$71.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sold-to - Original Amount {$71.00} Comments XXXX XXXX XXXX L Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount {$2000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sold-to - Original Amount {$2000.00} Comments - XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$920.00} Balance Updated - Credit Limit - Past Due Amount {$920.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX Original Creditor - Company Sold-to - Original Amount - Comments - XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$1600.00} Balance Updated - Credit Limit - Past Due Amount {$1600.00} High Balance {$1600.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach really sucks and all my ssncredit card driver license was leaked and using now by other people they leak my info
Product: Credit reporting, credit repair services, or other personal consumer reports

those are hard inquiries from CAPITAL ONE AUTO XX/XX/2023 CAPITAL ONE AUTO FINANCE XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this XXXX XX/XX/2022. XXXX most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. TransUnion made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, TransUnion often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting. The csv files of these findings will also be attached.
Product: Credit reporting or other personal consumer reports

I have tried month after to month to pull my consumer file ONLINE with Equifax and I have not been able to do so. I have the correct information when inputting it into their system. I have called on NUMEROUS occasions and spoke with representatives who have stated they do not know why I can not get online and send me to technical support and they too can not help me. 

EQUIFAX NEEDS TO GET THIS CORRECT!!! 


This is the error message I continue to receive : " Please give us a call We can't complete your request at this time. 
Please call the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$7100.00}, XXXX XXXX XXXX Balance : {$740.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$160.00}, 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: Credit reporting

My complaint today is that I am having issues opening a bank account because there are multiple inquiries showing on my file that have been related to fraud. I have filed a police report and i have also filed an amendment to my police report because this has been an ongoing situation. The only inquiry that should be on my Chex-systems file is with XXXX XXXX XXXX XXXX union which is a valid account that I opened. I am requesting for the other inquiries that are fraudulent to be removed from my chex systems file. The only XXXX reporting should be XXXX XXXX XXXX XXXX union. The fraudulent inquiries showing areXXXX XXXX XXXX XXXX XXXXXXXX ( PLEASE DO NOT CONFUSE THE FRAUDULENT XXXX XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX IS VALID AND BELONGS TO ME )
Product: Mortgage

I purchased a new construction home and utilized the builder 's preferred lender XXXX XXXX XXXX. The day before closing, I questioned the amount being escrowed for taxes as well as the amount due at closing for prepaid taxes. The company loan officer revised the estimate of annual taxes and the monthly amount escrowed based on the calculation provided by the builder 's closing attorney for new construction in XXXX County, Georgia. This revision resulted in a {$550.00} decrease in the estimated annual taxes and lowered the monthly payment by {$46.00}. However, 7 months of prepaid taxes were required at closing. 

On the CFPB website, it states that " Before your loan closes, the lender will estimate the total annual expenses that need to be paid from the escrow account. You can be required to pay a part of the estimated annual total in advance, but no more than a maximum of one-sixth of the total ( this gives you a two-month cushion ). On top of the cushion, every month, your servicer can require you to pay one-twelfth of the total annual escrow payments the servicer reasonably anticipates paying out of the escrow account. 

I escrow my taxes and insurance. I paid a full year of my homeowner 's insurance at closing and 7 months prepaid taxes. My insurance is {$570.00} annually. My taxes are {$4100.00}. The amount escrowed each month is {$390.00} or {$4700.00} annually which is the total of my taxes and insurance. 

The law limits lender 's to receiving no more than 1/6 or 2 months of a cushion for escrowed expenses. I paid an entire year of my homeowner 's insurance in advance and the lender collected 7 months of prepaid taxes at closing. The lender received a 12 month cushion for my insurance and a 7 month cushion for my taxes. The loan closed XX/XX/XXXX and taxes are not paid until XX/XX/XXXX. 

I have requested of the lender to return 5 months of my prepaid taxes, but they would not and stated that " this is how we closed all the loans with this builder ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - is not showing an account number plus it has already been paid of and closed i need to know why it is reporting derogatory on my credit report. 

Swiss Colony- is also not showing the correct information as well. it has been paid off and closed for years. Plus it doesn't show any account number on my credit report and is also showing a s a derogatory mark on all 3 credit reports.

Ginny is another company on the same path as the other 2. It has affected my credit in a negative way and I would like all 3 removed from my credit reports.
Product: Vehicle loan or lease

I was misled by XXXX XXXX regarding the true cost of my loan, which resulted in inflated payments and excessive interest charges. On the day of signing, I was pressured into accepting GAP insurance through aggressive sales tactics, but I was not informed about other add-ons like a warranty. When I asked how the car price increased to over {$30000.00}, I was told it was due to " taxes and fees. '' I later learned that the warranty and other add-ons had been automatically included in my loan without my consent. 

Shortly after purchasing the vehicle, I returned to XXXX XXXX to request the removal of all add-ons, including GAP insurance and the warranty. I was given the runaround, as they directed me to GM Financial, who sent me back to the dealership. Eventually, in XXXX, they removed the GAP insurance, but they failed to mention the other add-ons, despite my specific request to remove everything. It wasnt until almost a year later, when I tried to trade in the car, that I was informed I had been overcharged and that the warranty and other add-ons were still included in my loan. 

When I returned to XXXX XXXX in XXXX, I experienced hostile treatment. The finance director was dismissive, avoided eye contact, and treated me unprofessionally when I insisted on the removal of the warranty. Although they finally removed the warranty, my monthly payments and interest rate remained unchanged. Despite making multiple visits and attempting to resolve these issues, I have been left with an inflated loan and financial hardship due to misleading and predatory sales practices. 

As a vulnerable woman recently out of bankruptcy and in urgent need of a vehicle, I feel I was taken advantage of and manipulated. I am requesting a full recalculation of my loan without the unauthorized add-ons, an adjustment to the interest rate, and corrections to my credit report to reflect accurate payments. Additionally, I ask that all late payments caused by the inflated loan be removed from my credit report.
Product: Debt collection

LVNV funding llc has been on my credit report for years now. Ive disputed many times theyve charged multiple different amounts everytime it comes on and off my account. Ive paid the company they told me to pay when I called and charged me XXXX XXXX  to never take anything off my report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I, XXXX XXXX, sent certified mail to Capital One on XX/XX/XXXX, for an alleged debt. Pursuant to Fair Debt Collection Practices Act, 15 USC 1692g I asked for a debt validation, and I sent a cease and desist pursuant to 15 USC 1692c which has been ignored by capital one. They have resent me the statement for the next billing cycle, and have violated Federal Law by doing so and using interstate instrumentality to communicate with me. They have not sent any validation pursuant to 15 USC 1692g, which is also a violation as I the consumer demanded them to. Due to the neglect and clear fraud pursuant to the violations I would like CFPB to enforce my consumer rights, and rights to my specified remedy in accordance with 15 USC 1692c ( c ) ( 2 ).
Product: Credit reporting or other personal consumer reports

I JUST CHECK MY CREDIT REPORT AND FOUND THIS FRAUD ACCOUNT THAT NOT BELONG TO ME. 

THIS FRAUD ACCOUNT NUMBER : XXXX IS NOT BELONG TO ME AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

THIS FRAUD ACCOUNT HAS A BALANCE OF {$4200.00} THAT IS NOT ACCURATE AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.
Product: Debt collection

General Revenue Corporation has been contacting me relentlessly since XXXX of 2020. I have told them to stop contacting me 8 times, but I still receive harassing calls asking for my employers information and asking for my social security number. The last call that I had with XXXX from General Revenue Corporation, he told me the last 4 digits of my social security number and my full name before he confirmed my identity on the phone. I told him that I had a serious problem with him just blurting out my name and social before confirming the identity of the person on the phone. This company is also not the original debt collector for this debt that I do not owe. The previous debt collector did not close my account like they should have, instead they passed the debt around to another company. I've been disputing this debt for over 5 years now and I feel that General Revenue Corporation has overstepped their rights by harassing me with calls and by harassing me with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act TOYOTA MOTOR CREDIT Account # 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent experience I had with your bank. I appreciate the services provided by your esteemed institution, but unfortunately, I encountered a situation that has left me dissatisfied. I believe in the professionalism and competence of your bank, and I understand that errors can occur occasionally. However, it is crucial for customers to receive accurate and comprehensive information, especially when it concerns their financial matters. I kindly request your prompt attention to this matter and a thorough investigation into the misinformation provided. Moreover, I would appreciate it if you could take the necessary steps to ensure that such incidents do not recur in the future. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If there are any specific procedures or channels I need to follow to rectify this situation, please provide guidance accordingly. I value my relationship with your bank and hope that we can resolve this matter amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times ( 4+ ) via mail/online and requested that they correct the current name error on my credit report. I provided a copy of my driver 's license and social security card but they continue to cause harm by refusing to correct their error.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed that a fraudulent account is appearing, This account is not mine. 

I command you to delete the accounts listed below : Account Name : XXXX Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report due to a lending company running my credit for a mortgage. That was not me. I have not been looking for credit, a house etc. Someone has used my information and it has gone on my credit report.
Product: Credit card

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

A personal representative from that company visited my shop and offer a services of credit card processing machine. These company offer something that ca n't give to the customer machine arrive to the shop to be install and nobody when to the shop not technical support and I called the branch in XXXX and they said please return the machine and I did it also they try 3 times to get money from my bank account when I already return the machine
Product: Credit reporting or other personal consumer reports

its XXXX accounts from XXXX XXXX XXXX  ( XXXX ) on my report that have been deleted off my XXXX report but its still reporting on my Equifax. This is hurting my ability to obtain credit as its reporting inaccurate information across the XXXX bureaus.
Product: Payday loan, title loan, or personal loan

I sent a revoke authorization of payment to 605Lending and XX/XX/2021 I received a email from the lending company saying they received the authorization and would stop taking out automatic payments. I also did a stop payment with my bank. XX/XX/2021 a check was written from my account in the amount my monthly payments were from this company. I dont write checks or own a check book. I called my bank it is currently being disputed for fraud to get my money back. In mid XXXX I let the company know of my situation financially and that I was out of work they didnt want to work with me. But writing a fraud check to get their money is illegal and if it isnt fixed Ill be taking legal action.