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

This notice is to inform Equifax and XXXX that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.Today my credit score dipped by XXXX points, and the reason for this is because Equifax added a late payment with the XXXX XXXX account which has been disputed several times. Further, Equifax and XXXX never put disputed comments on the accounts required by law, violation. I have sent Equifax and XXXX countless dispute letters and my FTC fraud report for months now advising them to please investigate several incorrectly reporting accounts on my credit report. They claim XXXX and XXXX XXXX accounts are verified and updated my report with no proof of verification ( Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized these accounts such as signed applications or contracts in wet ink signature. ) but they're still reporting incorrectly. For starters, I have been in contact with XXXX and XXXX XXXX and have pointed out all the wrong information reporting. I have contacted them via CFPB and mail. They state that the information reporting incorrectly is due to the fault of Equifax. 15 USC $ 1681b Permissible purpose of consumer reports. I demand that they are DELETED immediately, no later than 4 business days. 15 U.S. Code 1681n - Civil liability for willful noncompliance. Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card, FTC identity theft Report
Product: Credit reporting or other personal consumer reports

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX  Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately XXXX  XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, XXXX  XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately XXXX  XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Product: Credit reporting or other personal consumer reports

This account has been closed ; however, it is being reported as open and continues to accrue late payments and interest. This is a clear violation of federal laws governing accurate credit reporting and account servicing.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to ensure that information provided to consumer reporting agencies is accurate and complete. Reporting an account as both closed and open is materially misleading and damages my creditworthiness.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are prohibited from applying unauthorized fees or interest charges to accounts that are no longer active or owed. If this account was closed, no further interest or late payment penalties should accrue.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$500.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act OFFICE OF THE ATTY GEN # XXXX, has violated my rights. 

Under 15 U.S.C 1681 e ( b ) and 15 U.S.C 1681i ( 5 ) this account is in violation not reporting 100 % accurate, it list that child support agency as a furnisher that illegal and its forgery. Its misleading when the courts doesnt report this type of account. Its also in violation of permissible purposes, I havent given anyone direct or written consent to report this account on my credit report which is also another federal law violation. I demand for this account to removed from my credit report immediately. 

In accordance with the Fair Credit Reporting act XX/XX/XXXXT # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act US DEPT ED # XXXX, #, has violated my rights. 

In accordance with the Fair Credit Reporting act DPT ED/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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get me a house and car and I have tried disputing this several times and nothing is being resolved! Ive called many times and nothing is being done! According to the 15 U.S.C 1681 Law there shouldnt be any damages on my report, its a defamation to my character
Product: Payday loan, title loan, or personal loan

The company failed to honor their 90 day " same as cash '' agreement by fraudulent means. I attempted to make this payment close to the expiration of the 90 days and was unable to due to an error on the company 's website. I engaged the company by contacting customer support and didn't receive a response until after the 90 days. I believe this to be a fraudulent tactic in which the company uses. Now, I've paid twice the amount of the " same as cash '' price and the company has cashed {$3000.00} in overdraft fees to my bank account by retrying the payment reach time it fails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came across this hard inquiry when reviewing my credit report. 

The company is called Capital One Bank USA Date : XX/XX/2017
Product: Debt collection

I noticed the collection agency reporting negatively on my credit report. I reached out to them to verify the debt and once it was verified I was offered a settlement offer to remove all of the three bail bond accounts from my credit report. I informed the collection agency that I would have to forward the settlement offer to my attorneys to see if they can assist me financially with the debt because I am in litigation with the client of the bail bonds accounts. Unfortunately, my attorneys could not assist me with this debt. So, I reached out with an update to the collection agency and was offered a lower settlement offer to remove all three of the accounts from my credit report. However, there are two other cosigners on the bail bonds accounts who were not sought after and the settlement offer was not divided amongst three people. I feel that it is an unfair amount of money that the collection agency is expecting me to pay without seeking any payments from the other cosigners who will benefit off of me paying the settlement offer myself. I informed the collection agency that I am a single mother on welfare, a fixed income, unemployed, and just had an additional child, and that I was ordered not to work by my doctor. The settlement offer has a deadline to be paid by XX/XX/2021 and I can not afford to pay that due to my situation and the unfairness of the other cosigners not being held responsible to pay their portion of the debt as well.
Product: Mortgage

XX/XX/XXXX of 2019 my last job ended leaving me with zero income. 
I left that job because I was not getting paid on time and sometimes had to wait weeks or a month for my pay which was making me late for my house payments. 

At that time, as you can see by the XX/XX/2019 statement, I was current. 

Unknown to me, in a few days ( approximately 60 ) the entire global economy would shut down making it impossible to find work. 

Here we are nearly 2 years later, and I'm trying to come out of my mortgage forbearance only to be denied for insufficient income and I still can not find software work even though I have sent out nearly 100,000 emails to all of the high tech companies hiring people like myself as shown on this page that I developed. 

https : XXXX Mr. Cooper did not even use my income to make this statement. 

My income is {$1100.00} per month via early social security which is expected to increase by approximately {$75.00} with the cost of living allowance. 

Knowing I was in trouble, I moved into my garage and rented out my house for {$850.00} per month to wonderful tenants who pay on time every time. 

And they pay half of the utilities as well, so my income is about {$2200.00} per month instead of the net income they show me having of {$1100.00}. 

And the car payment of {$600.00} per month is no longer because I let it be repossessed in order to save the house. 

I was denied the first time, so I appealed only to be denied for insufficient income and told that I was ineligible for a forbearance modification because I was delinquent before the forbearance period was approved. 

I have nowhere to turn and I do not want to be another homeless veteran statistic and now I have my renters to consider as well. 

If you know of anybody who can help, please share this with them as Mr. Cooper seems to only want the house to profit from my situation. 

I have written to the VA 's own counselors at the following website but never even received a response. 

https : XXXX I have attached all the documentation I have on this and I desperately need help. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information on my credit report. This company Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late, because this is clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX XXXX XXXX account ending in XXXX is reporting late from XX/XX/XXXX through XX/XX/XXXX XXXX XXXX XXXX XXXX account ending in XXXX is reporting late for XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. 
XXXX XXXX XXXX XXXX account ending in XXXX is reporting late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX account ending in XXXX is reporting late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.
Product: Credit reporting or other personal consumer reports

Today after reviewing my credit scores which I do often after the identity problem last year, I noticed that a Hard Inquiry was made on XX/XX/year> XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX : ( XXXX ) XXXX On both my XXXX and XXXX accounts. 

I tried to call the above listed phone number and it doesn't go to anyone, it just continues to stat about all different products. I did already contact XXXX and will after done completing this complaint will be contacting XXXX about this fraudulent inquiry. 

I do have fraud monitoring places on all XXXX  credit bureaus last year and did not get any notifications about this inquiry as to date.
Product: Credit reporting or other personal consumer reports

I claim errors on my credit report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Please immediately remove this information from my credit report. 
XXXX, Account # XXXX This account has been reported with errors, this being illegal and I demand its immediate deletion.
Product: Checking or savings account

On XX/XX/2019 my husband XXXX XXXX went to TD bank to pay a negative balance on our account. XXXX XXXX asked one of the tellers if he can use my debit card to put money on his account to pay off his negative balance. I was outside in the front of the bank on the phone. I happen to walk in and the teller said his name isnt XXXX XXXX. I told her Im XXXX XXXX and she asked for id which we gave her. She looked at the ID And looked at the debit card and looked at me and asked us what is it that we wanted to do. XXXX XXXX explained to her again. That he wanted to use my card to pay the negative balance on his account. Durning the entire conversation she wouldnt look at my husband who was speaking to her. She was just giving me eye contact. She said she process the payment and it was decline. She was extremely rude still no eye contact with XXXX. She came back with no receipt of proof that is was decline. she was talking to my husband without eye contact again. I didnt believe she even really swiped the card. After she said it was decline my husband asked her to put in a lower amount to see if it would go through.She automatically said no she cant do that and pushed our IDs and debit cards back to us. After my husband went to their atm right outside the door. XXXX put my debit card in to see if he can withdraw money. XXXX XXXX was able to withdraw the money from my debit card that she said declined, and was able to deposit the money into the TD bank account. I feel she was discriminating against us because we are XXXX customers. She was rude the entire time, And we check my bank statement to see if she attempted to take out the amount that was asked, to see if it declined. No transactions were shown other then the one my husband took out himself. So it kind of looks like she lied about even trying to take the money out. Im disappointed in being treated in such a manner with my husband. I will like to go further with actions being taken against the bank teller. We dont know the bank teller name but we do know how she looks like. I wonder how many others she discriminated against the same way as ours.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent this complaint multiple times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$37000.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX have reached Klarna last week today, XX/XX/XXXX as they refuse to connect me to a manager to solve issues. I also called last XXXX as they refused to connect to a manager as the reps are clueless. They will tell you to wait XXXX days for someone to call and no one calls. This company is running fraud transactions when I have returned MULTIPLE items and refused to credit my account, continue to bill me when I have informed them repeatedly of these transactions and some over XXXX weeks ago. They continue to debit amounts from my card when items returned and ignore the issue. I have overpaid and paid on items returned months ago as they refuse to acknowledge. All reps are foreigners and speak poor English and don't have a clue as to what's going on and could care less and cant comprehend XXXX. They are aware and poor service with incompetent workers. Refusal to assist. They need to remove their phone number as they refuse to help and direct you to text, go to the ap and never speak with a live person. They should not continue business if they feel like they cant address issues and their illegal transactions. Now they sent me a message and stated it didn't go thru for # XXXX and they never sent it per my bank. They are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX .... Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$770.00} XXXX XXXX XXXX XXXX .... Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXXXXXX XXXX XXXX : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4200.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX & XXXX XXXX Balance {$160.00} XXXX XXXXXXXX XXXX Balance {$4800.00}
Product: Credit reporting or other personal consumer reports

I filed a dispute account XXXX with XXXXXXXX XXXX XXXX. Due to the information reporting is inaccurate and not mine. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has not been verified and is reported twice with two limits {$500.00} and {$1200.00}. The dates for past-due entries conflict with the duplicate entry. They both cant be accurate. Please remove and delete the duplicate accounts.

The highest balance is different with {$1500.00} and {$550.00} being reported.

Dates Opened conflicts exist with XXXX and XXXX. 


Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates nor any medical action with their affiliates nor my family. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. I have provide everything that i was told to do by the CFPB, FTC and the Police department to show this account is fraudulent and that someone is using my information to obtain fraudulent services under my name and information