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

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX You, XXXX XXXX XXXX XXXX, have violated my rights and provided false and misleading information and are guilty of racketeering and extorting me ( and most likely others ) for a debt that you can not prove that is mine! 

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 an 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 that the information is inaccurate. 

15 U.S. Code 1602 ( g ) You took money from the Federal Reserve using my social security account and lied on the contract making it seem like I am the debtor when in fact I am the original creditor as the consumer. 

15 U.S. Code 1692j- It is unlawful consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

15 U.S. Code 1666d - Treatment of credit balance - Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( C ) Make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months ( also the down payment ). except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States. The security interest secured obligation of the vehicle. So there is no reason for a remaining credit balance.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Equifax for the past 2 months about this same issue with this bankruptcy reporting on my report. I have pointed out many things wrong with this entry they have on my report. I sent in a request for this to be investigated in XXXX and in XXXX. Nothing has changed. When I look at the listing it states that the bankruptcy was last reported back in XX/XX/XXXX and it was verified back in XX/XX/XXXX. How can something be reported and verified on the same day if it were never investigated in the first place? Also I pointed out that i have been disputing this inaccurate erroneous account since XX/XX/XXXX. Why has this date not changed since XX/XX/XXXX? This tells me that my rights are being violated and no real investigation is taking place. This account is inaccurate information and it needs to be deleted from my file. I asked where this was reporting from and got 3 different answers. I requested the description of procedure and was told that they go through XXXX   XXXX. Another told me they go through the courts and someone told me it verified electronically, whatever that means. I called XXXX and spoke with a representative who told me that there was no bankruptcy on file, this was on XX/XX/XXXX. I wrote a letter to the courts and was told that they do not report or verify this information with any credit reporting agencies. All in all inhave been given misinformation from this company on many different occasions and I am not going to keep being deceived by a company who is not complying and abiding by the laws. This item needs to be deleted from my report immediately as it is inaccurate and unverified. The company has failed on multiple occasions to investigate and instead went in and changed the date after the fact pinpointed that it hasn't been investigated and the date verified shows XXXX. Something is definitely going on here and it's not good or isn't right!!! I've compared 3 reports and they all say completely different this. This is an automatic violation under the FCRA!!
Product: Debt collection

Anyone can photoshop these accounts documents for TRANSWORLD SYSTEM INC # XXXX. I requested ASSIGNMENT OF DEBT AND BIINDING CONTRACT FOR THIS ACCOUNT. Which was never provide as this not my debt. 

Please provide agreement, which I have a right to see and I want to know who was involved in the investigation with names, numbers and addresses.
Product: Student loan

I have been paying back my XXXX student loans to Discover/XXXX  for 13 yrs. This XXXX I was able to pay the entire balance ( ~7000 ) of my 6 loans. Though even this was tricky : it was hard to find a payoff balance and there was no button to pay off the entire balance ( it was unclear if my balance included any final interest ). So, I applied money to each loan in order to pay off the balance of each one. After a few days I see a balance and a min. payment of XXXX. I contact Discover and ask if I need to pay that ( the day previously, I had balance of - {$1.00} ) .They said no ; they had calculated an overpayment for 5 of the loans, but they would automatically apply that to the 6th loan within 30 days. A few days later, I get 5 checks from Discover, totaling XXXX. I checked my account and the only thing that was there was the {$55.00} payment that the woman told me not to pay. So, I thought I was fine to keep the money. On XX/XX/XXXX, I get a late payment notice, saying I still have a balance on that 6th loan ( in the exact amount of the money sent to me ). They have admitted to me that Discover made a mistake and misapplied the money I paid. They chastised me for not keeping better records. I told them what I could see in my account : that I made all of the payments and that they added up to the loan payoff balance, that 5 of my loans had a negative balance and that one loan had a positive balance, but that the total balance was negative XXXX cents. But they kept referring to what they could see on their end : how all the money was disbursed, that the overpayment checks were dispersed, etc. This doesn't seem fair from a consumer perspective to blame me if I don't have that info available. Up until a few days ago, I thought I had paid off everything. The opacity of the documents that their customers have access to is incomplete and confusing, and therefore they can just make the data mean whatever they need it do.
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'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on XXXX XXXXXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

All named Equifax, XXXX XXXX and XXXX are in violation of compromising the principals information and also the cfpb for breach of information, their breach have casued ..... 
XXXX. Reporting information that is not metro 2 compliant 2. Information that is fraudulent XXXX. THe illegal reporting of the Principal XXXX XXXX The report is filled with incorrect addresses, incorrect socials, and incorrect payment history, balances and more, Their reporting has taken longer than 30 days THe most important violation is that non of their employees know that the company they work for is a private company that uses codes and statutes as a cloak for authority. There are no laws that say they have the ability to report on anyone and their employees refuse to remove information. So now I bring this as actual and constructive notice of a lawsuit filed XX/XX/23 for account XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax after several attempts over past 2 years finally removed a negative account XXXX XXXX, a account I have never owned from my file ... and then downgraded my vantage score from a XXXX to a XXXX, I just got approved for a loan for sons college ... and this drop cost me a additional {$1300.00} in interest, prior auth was based on a XXXX with good credit, now since its dropped to a XXXX fair, interest rate is escalated, my Credit Score should be easily in the area of 800, I have nothing but excellent paid record on all legitimate accounts, and they have not increased my score as they should have, comparatively XXXX XXXX and XXXX, when they removed the XXXX XXXX account, increased my score from XXXX a XXXX to XXXX, and XXXX XXXX to XXXX respectively, yet Equifax downgraded my score by 44 points, even with several credit line increases ... this is outrageous
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my Account. This accoutn is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am Asking you to verify as Accurate. 

Here 's the account Information : XXXX - Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters to XXXX Equifax and XXXX about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for a car but I wasnt sure yet. They ask for my social in order to test drive the car. I precisely say I dont my credit to be pull. I find out they did and the manager promised it will be removed ASAP. A year later ou its still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a recent copy of my credit report and noted several unauthorized inquiries. 

I have contacted the creditors noted below, and they stated that they have no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed from my credit report as per section 61

1 ( 5 ) ( A ) ( i ), and that you promptly delete the following items from my credit report.

Inquiry details : XXXX/XXXXXXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX XXXX    XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance Dept Of Ed Inquiry from XX/XX/XXXX Government XXXX  XXXX  Inquiry from XX/XX/XXXX Misc. 

XXXX/XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX-sales  Inquiry from XX/XX/XXXX Oil Companies XXXX-sales  Inquiry from XX/XX/XXXX Oil Companies Universal Cr Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX XXXX Inquiry from XX/XX/XXXX
Product: Debt collection

I recevied a debt collect from Jefferson Capital today after remove the collect debt on credit report in couple of months ago. 

Jefferson Capital is harrasing me and push me for due is XXXX dollars instead of XXXX dollars. 

I pruchased online XXXX website for airline as XXXX payment from XXXX dollars. 

XXXX hit national wide after XX/XX/year> and Airport and Travel shut down. my budget just change and lack of payment for travel and hotel and airpaine limit or canacelled. 

I tried to call XXXX and XXXX XXXX XXXX They tried to avoid and pointless. They are kind of blame me cuase by XXXX. I loss half of amount buy airline.
Product: Student loan

I have been mailing in regular payments for about 4 years based on the payment coupons that were sent to me. The loan payments were for 2 loans in active repayment. Navient seems to have acquired additional old closed and charged off debt and has been redistributing my payments to the other accounts causing my active accounts to become delinquent. I was not aware of this until recently when I created an online account in order to request an unemployment deferment. This appears to have started around a year ago. I have submitted an online complaint to Navient and the problem has not been addressed or corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems, Please see attached - there are many unauthorized inquires on my report that need to be removed immediately.
Product: Mortgage

This concerns an alleged missing payment from XXXX XXXX and errors in my escrow account that Shellpoint mortgage refuses to recognize. Shellpoint mortgage has overcharged my escrow account since the beginning of the mortgage began.
Product: Payday loan, title loan, or personal loan

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, and 60 days in XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 60 days in XX/XX/XXXX.
Product: Debt collection

Love, Beal & Nixon, P.C in XXXX  XXXX, OK send a letter dated XX/XX/2024, to our address informing us that a judgement had been awarded and that a judgment lien had been recorded in the matter with the County Clerk 's office. 

The name of the creditor was in the letter, but no information about how much debt was owed or for what. 

The debt collection firm was very rude and mean when we tried to get information. They had our address and the last four digits of the social security number, which concerns us greatly. We have never shopped at this store and certainly did not incur debt with the store. We are elderly and on a fixed income. We do not have debt and the threats we were subject to were unnecessary and extremely upsetting. We are at a loss to understand how this firm has our personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my report that do not belong to me. The first one is from XXXX XXXX XXXX with the account number XXXX. The second one is AM HONDA FIN with the account number XXXX. Third is XXXX with the XXXX account number.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in 3 Credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this : ALLY FINANCIAL XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally discuss my concerns regarding Zelles handling of dispute particularly in the light of the recent CFPD lawsuit. Hairline and significant issues with the platform. The spy using Zelle numerous of times and reporting discrepancies. My financial institution and Zelle. Failed to investigate my claims and adequately. They informed me that recovering loss funds. Was impossible as well as tracking them. The CFPD findings indicate. XXXX has not only. Neglected to protect consumers. But has also allowed repeat offenders to exploit the system leaving users vulnerable to scam. The lack of accountability and transparency. Is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX GA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX GA XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Contacted all of these companies and neither of the companies recognize my name or ssn as anyone who has applied for anything. Spoken with Equifax and they have refused to remove it even after calling multiple times and advising of the error. I have had a freeze on my account since XX/XX/2021 and the Equifax has allowed companies to check credit without any consent.
Product: Credit card

On XX/XX/2023 thru auto pay, {$78.00} was deducted from my personal checking account. 

On XX/XX/2023 the same amount {$78.00} was again deducted from my personal bank account. 

On XX/XX/2023 i contact the XXXX company about the issue and they said a credit would be issued to my home bank within XXXX business days. 
A credit was issued on my credit card bill but no credit came to my checking account. 

On XX/XX/2023 i again contacted the credit card company. They stated the check sent to my bank had been returned to the XXXX company because they used an incorrect routing number. They took my correct routing number over the phone and that a new check would be issued immediately. Credit never received at my bank. 

On XXXX XXXXXX/XX/XXXX at XXXX am Central time i called again .Speaking to XXXX XXXX XXXX XXXX XXXX He researched to problem and brought in his XXXX to assist. They did not have an answer for the delay. XXXX said the XXXX would solve the problem issue an epeidited refund to my bank saying i could expect the credit within XXXX hours. 

Today XXXX XXXXXX/XX/2023 i still have not received the credit to my checking account. 
Thus i am making this complaint to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some unauthorized and unverified inquiries on my credit report from 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, credit repair services, or other personal consumer reports

I am writing to dispute the information that appears on my Equifax consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Transunion about student loans because of how the change was made on the enrollment form to change my identity in the year of XXXX, The SSN number written on top of the enrollment form is not my handing writing and the student ID number is not the one use in the school.That the reason I know my identity was changed on the enrollment form.I have never given anyone permission to change my identity.I am very competent in understanding when my signature has not been signed electronically or any other form XXXX all information all this came out during the pandemic in XXXX.The school is now closed according to their website which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX have been fighting my identity with Transunion for past 21 years because somehow Transunion had in their system my daughter SSN number for me since XXXX, which that should have never occurred because I uploaded the information on those days ; The dispute days XXXXBy law once an account has been deleted it can not be put back on your report the amount of XXXX was deleted on the dates above which was not showing on my report and a letter generated that it did not appear.There was an account with XXXX that the representative stated was a snippet from Transunion after years of fighting my identity with Transunion.By law you can not go back and add an account once it has been taken off.Which you all put it back on my report XXXX XXXX after sending a letter stating that it does not appear on your report On XX/XX/XXXX and you all sent a letter to unfreeze my credit report, which I did not request that to Transunion or any other affiliate of Transunion I only disputed the information on the above dates that are listed.There were two letters generated on XX/XX/XXXX and XX/XX/XXXX that the item does not currently appear on your credit report.Reason I am filing this again is because it was put back on my credit report after it was taken off previously new material has been presented with this inquiry such as my daughters SSN that was generated for me back in the year of XXXX.
Product: Debt collection

the law offices of XXXX sued me and got a judgement against me on time barred debt and now my check is being garnished