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

This account was never paid in a settlement, the account has no late payments or missed payments. the bank has been working close with me as on their end they do not even have the accounted reported to experian ( i have enclosed this ) and they advised me to file this complaint as they are not even getting the disputes i have filed thru experian. the bankers name who handles this information is named XXXX XXXX & her number is XXXX, she is been with XXXX bank ( now first bank ) since my loan & worked directly with my loan from the beginning. this information is reporting negatively on my report and hurting me greatly .this lets me know experian is not properly handling my disputes, i have attached what the bank is showing on their end that THEY ARE REPORTING to experian which is nothing, this needs to be corrected as i been fighting this since XX/XX/2020 and experian is not doing their part to report correct information on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been established fraudulently without my consent, I have kept disputing these accounts with Equifax, XXXX  and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the hack that occurred between XXXX XXXX to XXXX XXXX, Equifax has failed to properly secure and protect my credit data and personal information, including SSN, credit records, my name, and address. 

According to Equifax 's security website, my data has been compromised, and I may be at risk to be a victim of identity theft. I have thus taken actions to set up fraud monitoring on my credit.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card

MACYS/CBNA AN ACCOUNT HAS BEEN OPENED WITH MACYS DEPARTMENT STORE UNDER MY NAME BUT I DID NOT OPEN IT OR AUTHORIZE THIS IS NOT MY CREDIT CARD MENTION ANY ATTEMPTS TO RESSOLVE THE ISSUE DIRECTLY WITH MACYS OR THE CARD ISSUER INCLUDE NA NOTIF
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached not only by equifax but also by XXXX none of the following accounts belongs to me and was open or done fraudulently without my consent or knowledge XXXX XXXXXXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Opened XXXX {$620.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$810.00} Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by XXXX XXXX that a collection account was added to my credit report in XX/XX/XXXX. I called the collection company XXXX XXXX XXXX XXXX and asked what this collection ant was for at which time I was noticed it was for an after hour emergency visit on XX/XX/XXXX A YEAR AGO. I asked why I was never contacted and her response was I called one time in XX/XX/XXXX but did not leave a message. I asked if there had been any other attempts to notify me I had a balance due and she replied no. I asked if it was legal to just add a delinquent account to someones credit report without FIRST attempting to contact them to even let them know there was an outstanding balance as I have never received a single notice once stating I had a balance due. I have Medicaid insurance and do not have a deductible for an office visit or ER visit which this was just an office visit at XXXX XXXX XXXX XXXX XXXX in XXXX. The credit report has zero information as to when the charge was made, when I was seen, what the service was or if I had made a pmt or anything. It simply stated opened XX/XX/XXXX Reported XX/XX/XXXX {$260.00} Medical Past Due Collection Account OPEN STATUS which lowered my credit score and I had never been contacted my the health clinic or the collection company whom received my account in XX/XX/XXXX and just reported to the credit reporting companies without any attempt to notify my or to let me pay or investigate the charge as my ins should have paid it in full.

I then contacted the Original Clinic and they said they sent me one letter and it was returned stating moved but that was it. There was never a phone call made to me or my emergency contact and my Medicaid ins just never got filed as it should have and now she said it was too late for her to go back and file it since its over a year. I confirmed she had my correct ins info and she did however the billing Dept dropped the ball, I was never notified or given a chance to pay it and now it is reporting as an OPEN Collection Account for something I dont owe. Are there laws that state I have to be notified or that protect me if the billing department waited to long to bill my ins and now they wont pay it as that is all out of my control?
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name and number : Dept of educationXXXX / Acct # XXXX 1st Amount : {$3600.00} / 2nd Amount : {$1600.00} / 3rd Amount : {$3100.00} / 4th Amount : {$6600.00} 1. Date Opened : XX/XX/XXXX / 2. Date Opened : XX/XX/XXXX / XXXX. Date Opened : XX/XX/XXXX / XX/XX/XXXX Agency name and Account number : XXXX XXXX XXXX / Acct # XXXX Amount : {$120.00} Date Opened : XX/XX/XXXX Agency name and Account number : XXXX XXXX Acct # XXXX Amount : {$390.00} Date Opened : XX/XX/XXXX In accordance with the Fair credit reporting act XXXX  Account # XXXX, Account # XXXX, and Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A section
2 : It also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. THESE ARE THE ACCOUNTS XXXX XXXX XXXX XXXX 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 ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They must be blind because everything is inconsistent. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that XXXX  information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Debt collection

On XX/XX/2019. I received a notice from my credit monitoring company that a New Open collection was placed on my credit report. ( Southwest Credit Systems ) located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. They are claiming that I owe them {$410.00}. Yet, they have not proved that they are allowed to collect this debt, or that this debt actually belongs to me. This Company did follow proper FDCPA, laws and because they place this bogus collection on all three of my credit reports, this debt collector is unaware of my case ( through error or negligence ) without proper validation of this debt my day to day, life activities have been destroyed. FDCPA, law also states a collection company/debt collector must send you proof that it owns or has been assigned the debt by the original creditor. Verification that you owe the debt and the amount of the debt needs to include documentation from original creditor. This said collection account was also included in my bankruptcy, had they contacted me properly, and or my attorney they would know that a current Chapter XXXX, is currently in affect. Which, all collections activities are protected, and could off had immediately correct its action after learning of the bankruptcy case. I seek that this negative, bogus, information be deleted from my credit report immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Mortgage

I have financed my home since XX/XX/year>. I shifted through XXXX other mortgage companies before Freedom Mortgage Corporation. 

I am concerned about Freedom Mortgage licensing to collect mortgages in the state of XXXX and would like to check on this. 

I have been unable to pay my mortgage for close to 3 years due to domestic XXXX and XXXX. I am concerned about third-party intrusions into my lending and potential biases and conflicts of interest. Up to XXXX months ago, I would have found my account to have had a positive Escrow balance not having made any payments for XXXX years I have also suffered severe XXXX XXXX  in my community which is also experienced in the handling of my mortgage. 

I worry about identity theft and potential blackmail if not other more serious foul-play given the extensive threats that I receive daily. 

I have also noticed that the XXXX of XXXX has become increasingly involved in listing my housing information with grossly miscalculated factors. How do I have all lthis investigated?
Product: Mortgage

Wells Fargo has not met the investor requirements on maintaining a foreclosed property. For the address, XXXX XXXX XXXX, XXXX XXXX, PA XXXX ; Wells Fargo has been informed numerous times that the XXXX acre property was not being mowed. The result is that the grass is often XXXX-XXXX ft high, fox and deer run wild, snakes are present, and XXXX XXXX is a constant threat.
Product: Credit card

Unauthorized inquiries on my credit report. Violation of U.S.C. code 1681b. 

XXXX XXXX ( Bank ) XXXX  ( Bank )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a lease with XXXX XXXX ( XXXX XXXX XXXX  ) was created with XXXX XXXX ( Primary Tenant ) and I ( XXXX XXXX ) was the Roommate. XXXX XXXX agreed, along with the property management of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX ) for apartement # XXXX. It discloses under # XXXX that " Releasing a m XXXX XXXX ( name of roomate who is moving ) from further liability or responsibility under the lease. This was signed by XXXX XXXX and by myself ( XXXX XXXX - before a notary in XXXX. I have not been at XXXX XXXX XXXX, XXXX, XXXX  XXXX since I moved in XX/XX/XXXX. Since then I moved away with reassurance from XXXX XXXX XXXX XXXX that I would be clear of all liability for this unit. I was sent to a collection agency " XXXX XXXX XXXX ( XXXX ) '' without any notification and no communication. I see that {$6300.00} is reported all 3 of my credit report falsely and unknowingly that impacted my credit scores causing punitive damages. My character was misrepresented and I was unable to get a place in Georgia causing to move out of state and I didn't even know why. My credit score went down XXXX points and it impacted my result of getting a house. I feel XXXX XXXX  and XXXX XXXX, along with XXXX XXXX XXXX should be penalized for violated the credit reporting act in so many way. Please follow up on this. My number is XXXX. This was really misleading to have me sign a roommate release and then turn around and bill me charges for a place I didn't live at. I had great credit and never had this happen to me before. 
XXXX XXXX XXXX sold my information to an unauthorized Collection Agency " XXXX XXXX XXXX '. It was illegal for them them to give my private information out to another consumer after I was already released from all liability in a legal signed agreement. I was also mislead by the consumer illegally. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my title loan early on XX/XX/XXXX of 2023. I was told that my title would be mailed back to the Title Max store location at XXXX XXXX XXXX XXXX, in XXXX, SC... I was also informed that the store should receive it within XXXX business days. Here we are at XX/XX/2023 which just so happens to be my birthday... And I still have not received my title back!!!! The situation is unacceptable and uncalled for??? I don't understand who title XXXX thinks they are or who they are attempting to play for a fool. But I promise them it isn't me. I have attempted to contact title max XXXX times regarding this situation. The XXXX times I attempted to contact the store the phone number wasn't working. And the one and only time I contracted title max at their corporate office/ phone number. I was instructed to contact the store location. Even after explaining to them that I could not touch base with the store location. This behavior is unacceptable and inexcusable!!! My title should have been returned to me 6 months ago My patience has reached an end I have attempted to contact title max XXXX times regarding this situation. The XXXX times I attempted to contact the store the phone number wasn't working. And the one and only time I contracted title max at their corporate office/ phone number. I was instructed to contact the store location. Even after explaining to them that I could not touch base with the store location. So I have received no official response from title max as in the store location or corporate??? I have been beyond patient in this regard...
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX credit reporting agency , TransUnion credit reporting agency and the XXXX reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX ( Account Number : XXXX ) o Current Balance : {$6100.00} o Status : Closed, " Charged Off as Bad Debt '' o Last Payment Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) o Balance : {$200.00} o Past Due : {$88.00} o Status : Closed, " 120 Days Past Due '' o Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) o Original Creditor : XXXX XXXX o Balance : {$210.00} o Status : Collection Account, " Paid Off '' XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) o Original Creditor : XXXX XXXX  o Balance : {$390.00} o Status : Collection Account, " Paid Off '' XXXX. XXXX ( Account XXXX XXXX ) XXXX. XXXX ) Account XXXX XXXX ) XXXX. XXXX ( Account XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX Account Number XXXX ) These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud
Product: Credit card

I purchased XXXX items in Banana republic store using Barclays banana republic credit card. I went to the store in XXXX XXXX, CA to return these items on XX/XX/XXXX within 30 day of purchase. The store was unable to process the return due to credit card technical issues ( per store manager ). I called credit card from the store. After talking to customer service rep and store manager, I was advised by card service rep to leave items in the store and she will open the dispute. ( she confirmed with store manager that I left the items ).

As of today, credit card closed the dispute twice, stating lack of evidence and too late to reopen the case. ( cc manager asked me to send letter and prove of return and promised to personally investigate the case. Yesterday Ive learned the case was closed again and I have to pay {$1500.00} ( charge for XXXX items plus now late fees ). I went to the store ( XXXX XXXX XXXX each way for me ) and they promised to follow up on their side, however the credit card representative stated the case is closed and nothing can be done. I am waiting for credit card manager to call me, however I dont believe anyone wants to investigate and resolve this, ultimately making me at fault for their incompetence.
Product: Debt collection

XXXX XXXX COLLECTION/CHARGEOFF Other {$1000.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported This debt is showing on my XXXX and XXXX reports and it is not mine. I have called these people and mailed them. Please remove from my file. Please update my reports. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate information on credit report. Closed account that were used without consent and charges made & accounts were opened that I was not aware about. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted companys directly no response nor any resolution. Then I contacted the 3 major bureaus also, same no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANIES THAT HAD INQUIRED MY CREDIT REPORT XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX PNC BANK XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX