23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've reached out to Experian and XXXX about reporting inaccurate information and sharing my information to outside sources. They are in violation of the FCRA which says If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. In the case of a willful failure to comply with FCRA requirements, the company can be liable for actual or statutory damages and punitive damages. Also 15 U.S. Code 1681- Congressional findings and statement of purpose states. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX CRE XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

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, credit repair services, or other personal consumer reports

I seen this company on my credit report XXXX/XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Product: Credit reporting or other personal consumer reports

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 16811 once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting

I have been charged with a fee of XXXX dollars to cancel the account at Creditrepair.com. During the sign-up process, the telemarketing agent did not mention any activation fee of {$99.00} ( I was told it is monthly subscription fee ), but now when I asked to cancel the account they came up with the idea that it is in the contract and that is how they do it. Please look into this issue and let me know if you need any more information.
Product: Debt collection

On XX/XX/2019, the law office of Peroutka, Miller, Klima sent a legal order to XXXX XXXX and had {$750.00} taken out of my account without my authorization and XXXX XXXX let them do it. Today on XX/XX/2019, the law office took out another amount of {$130.00} leaving me in the negative on my back account. I called both the law office and XXXX XXXX and they could not give me an answer of why I was not notified on this matter.
Product: Vehicle loan or lease

In XX/XX/2017, I scheduled the payoff amount on Wells Fargo Dealer SErvices website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/2017, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of 400 plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on Wells Fargo Dealer services side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit score dramatically and I have attempted to correct this with Wells Fargo, XXXX, XXXX, and XXXX. Noone is correcting the mistake.
Product: Credit card or prepaid card

Account opened with company on XXXX XXXX XXXX, with my social security number which is also my credit card pursuant to 15 USC 1602. I am notifying the company of a billing error on all past, present, and future statements. The company has failed to credit properly my consumer account. I am making the company aware of their requirements as a creditor and I do in good faith expect them to resolve the billing error as the federal law describes.
Product: Credit reporting or other personal consumer reports

This is my seventh attempt to notify you noticed that your agency is in multiple violations I am in the process of refinancing my vehicle, and I was denied due errors on my credit report. Im entitled to monetary compensation under FCRA 15 US Code 1681i ( 6 ) Notice of Results of Reinvestigation and Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. 

I am asking that you please delete as these alleged hard, soft or promotional inquires we not authorized by myself, which means that these inquires ( again hard, soft, promotional ) or otherwise are fraudulent, which means the information can not be validated per 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( XXXX ) under transitions not initiated by consumer. 

XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Automobile Dealers, New XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I wish you to permanently remove these ALLEGED XXXX  ACCOUNTS delinquency and or the derogatory claim ( s ) of information below listed is, as reported, erroneous account is direct violation of 15 USC 1681 Reporting Incorrectly. Demand you to remove this account from all XXXX of my credit reports XXXX XXXX XXXX - Account number : XXXX This account is closed, yet it keeps reporting alleged late payments. This is not right and is a violation of my rights. These old/closed accounts that are still being reported Inaccurate. Also, these old/closed accounts where never validated per 15 US Code 1692g, 1692g ( a ) ( 2 ), and 1692g ( a ) ( 3. I demand you to remove this account from all 3 of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report. 

XXXX XXXX XXXX  - Account number : XXXX Lastly, XXXX XXXX XXXX XXXX  - Account number : XXXX is reported late payments, this is a computation error or similar error of an accounting nature of the creditor on a statement. There is no hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error.
Product: Checking or savings account

Ive been a Chime customer between XX/XX/XXXX and XX/XX/XXXX. 
Ive experienced unauthorized access to my personal information, account. 
Ive had unauthorized or fraudulent withdrawals or transfers which resulted in my account to become negative.
Product: Money transfer, virtual currency, or money service

Date of compromised accounts was XXXX ( time XXXX XXXX PST ). Im curious if someone will be contacting me? My issue is with Coinbase. I had 1 XXXX ( estimated value {$9400.00} ) and now it is gone due to my account being compromised. I did inform Coinbase that day such as 1-2 hours after I discovered it had happened? I have tried to call countless times and no returned calls and emailed more than many times. Apparently Coinbase does Not make out bound calls to clients and the only form of communication is via email. I made a police ( Sheriff ) report here in XXXX WA. Report number # XXXX. Also I have froze all of my credit bureaus as well. Then my XXXX XXXX ( Debit card only ) account was compromised as well Where {$4800.00} was taken but at this time XXXX XXXX was nice enough to Temporarily reverse the debits while they do further investigation. So I have opened up a case for fraud ( XXXX XXXX  ) and have been sent a new debit card. Please let me know if you can help? I have also emailed ( you ) SEC, FTC and CFPB. Just searching for assistance so I can resolve this matter. 
Respectfully, XXXX XXXX XXXX Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXate Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The address on their file does not belong to me. This is NOT my account. This is fraud! I am tired of reporting this. XXXX knows this is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting the following accounts be removed from my credit file : Accounts to be blocked and deleted : 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: Student loan

Yes I have a problem and I contacted CONSUMERFINANCE.GOV I took out $ XXXX of school loans for a degree in which I cant even use. The loan went from $ XXXX $ XXXX and it keeps growing. $ XXXX in 7 yearsand no one is helping me at AES. 
Its a Federal school loan.. 

I am in financial ruin. I get no where but threats from AES. Threats of increasing interest rates. 

I have been not paying because my loan repayment and interest rates are fraudulent. 

* failing to count qualifying payments that were made to previous servicers ; XXXX failing to count qualifying early payments that were not received within the billing period ; * falsely reporting to third parties that students loans were in default when they were current. 
XXXX Increasing and decreasing interest rates without communicating with me or letting me know. 
* Outrageous interests rates and hiring predatory loan collectors.

XXXX Trying now to get me to re-consolidate in order to get off my credit report. I cant agree to a reconsolidation when this original loan is fraudulent. 
* Not reporting money I paid. 

No one is helping me. I tried calling attorneys, I tried calling consumer advocate groups. No one is helping because this is a FEDERAL LOAN. 

I need help! This is ruining my life, I cant buy a house, I cant buy a car, I cant do anything. My credit is shot $ XXXX in interest over 8 years>? I need help! My entire family is on the verge of homelessness because of this outrageous loan. I dont know where to turn.. 

I need help please. 


XXXX XXXX
Product: Debt collection

Hello, I have tried multiple times to send requests for reciepts to be mailed to me along with my remaining balance. Over the past week i have contacted Southern Oregon Credit almost everyday trying to get information on my debt yet they are with holding the information. I have no clue if they are adding to my debt, if the payments are actually going to their purpose, and if they are trying to wrongfully increase my interest. I have nothing for my records from Southern Oregon Credit and have not recieved anything via mail regarding my debt for about 2 months or longer. Im tired of playing these games with this company. It goes to show that all those consumer complaints online are true. I get responses faster on this complaint site than i do from Southern Oregon Credit and they are literally located 10 blocks from my house. I refuse to call or go down there due to the vulgar language, abuse, and collection tactics. I want this to be over, i never want to be affiliated with this company ever again. I plan on taking action so that in the future other consumers will not be forced to deal with this company. I want my information that is being with held! I WANT RECIEPTS FOR XXXX/XXXX/2017, XXXX/XXXX/2017, AND ANY THEREAFTER. i AM BEING GARNISHED SO I HAVE NO OTHER WAY TO KEEP RECORD OF WHAT THIS COMPANY IS TAKING AND THERE SHADY TACTICS. THIS SHOULD BE REPORTED. THERE ARE LAWS BEING BROKEN PER THE STATE OF OREGON. I WILL BE COMING IN FOR THE FINAL PAYMENT TO GET COPIES OF ALL NECESSARY DOCUMENTS SHOWING SOUTHERN OREGON CREDIT HAS BEEN PAID IN FULL ALONG WITH A WITNESS AND RECORDING DEVICE. i have read from previous consumers about how this company will report debt as unpaid to continue garnishment despite being paid in full and i refuse to be your victim. I have copies and records of all my attempts to communticate with this company i also have verbal recordings of your creditors who use alias 's and their threats / vulgar language. Just something to keep in mind. I will keep cobntacting you and keeping record of everything until you facilitate what i am asking for, it 's not much and its the least you company can do for all my hard ships and suffering with the treatment i have recieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

1st Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Dear : XXXX XXXX XXXX XXXX. 

I am writing in response to your letter dated XX/XX/XXXX, copy enclosed because I am disputing the alleged debt. 
Before you contact me again, please provide me with the following documentation : Proof that you own the debt, or are authorized to collect on this debt on behalf of the current owner ; Proof that the debt was actually incurred by me with respect to the original creditor ; A copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in Texas Be advised that I have documented all correspondence with respect to this debt and will not hesitate to report any violations of the law to my State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX. 
Finally, if you are not authorized to collect this debt thereon, I demand that you immediately forward this dispute letter to the original creditor to inform them of my dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 2nd Dispute Online Thank you for submitting your dispute We have received your dispute request. The information you provided appears below. 
Once you submit your dispute ... 
TransUnion will contact the party that provided the information and request it to verify the accuracy of the information. 
The party will then inform TransUnion of any changes that should be made to the information.

TransUnion will mail you an updated copy of your credit report, reflecting the results of the investigation. We will send this to you via U.S. mail usually within 30 days of receiving your initial request. Mail delivery typically takes 3-5 business days.

If you are not satisfied with the resolution of the investigation, you may add a consumer statement to your TransUnion credit report. This is a section of your file where you can provide additional explanation. If you would like, we can even help you write this statement. 
When you have a dispute pending, we recommend that you not apply for credit, as the results of the investigation may affect a new credit decision. 
Please print this page for your records. 

Personal Information Name XXXX XXXX XXXX, XXXX. 
Social Security Number XXXX Date of Birth XX/XX/XXXX Home Phone Number ( XXXX ) XXXX Employer 's Name RETIRED Email Address XXXX Current Address Address XXXX XXXXXXXX XXXX  XXXX XXXX, TX, XXXX Previous Address Address XXXX XXXX XXXX XXXX XXXX, TX, XXXX Credit Report File Number File Number XXXX Personal Information Corrections Corrected Field Comments 3rd Disputes Company Account Reason for Dispute XXXX XXXX XXXX # XXXX Other : Before you contact me again, please provide me with the following : Proof that the debt IS MINE Comments Comments I am writing in response to the alleged debt, please provide me with the following documentation : Proof that the debt was incurred by me with respect to the original creditor Close this window XXXX XXXX  XXXX. All rights reserved.
Product: Mortgage

Consumer Financial Protection Bureau My wife and I closed on our home in XX/XX/XXXX. In XX/XX/XXXX, we made our first payment to the original loan provider. The following month, our mortgage was sold to Flagstar bank. We made another payment to Flagstar bank in XX/XX/XXXX and then we initiated a forbearance request due to financial hardships associated with COVID-19 for 6 months XXXX XXXX XXXX ). We extended this forbearance for an additional 6 months XXXX XXXX XXXX ). 
Around mid-XX/XX/XXXXXXXX, I initiated contact with Flagstar bank to begin the process to come out of Forbearance. At that time, I was told that I had three options. I could pay the balance in full, make partial payments over the course of the next 90 days to bring the balance current, or request the balance be added to the end of my loan. I chose the third option which required an application for loss mitigation relief. The documents that were requested of me included a hardship letter XXXX describing in detail, why I needed the forbearance in the first place ), an IRS Form XXXX, pay stubs for both myself and my spouse for the past 60 days, as well as Flagstars XXXX Loss Mitigation Application. All documents were completed and uploaded by XX/XX/XXXX. At this time, I was told that my forbearance would be extended an additional 90 days XXXX through XX/XX/XXXX XXXX to allow underwriting to complete my application. On XX/XX/XXXX a hard inquiry was made against my credit report by XXXX XXXX, which I learned is associated with Flagstar Bank. It appeared that I was in the process of re-applying for my loan at this point which is not the way the forbearance plan was originally described to me. 
Today, XX/XX/XXXX I contacted Flagstar Bank to inquire as to the status of my reinstatement and was informed that my application for loss mitigation had been denied and that I would now have to pay the balance in full, a total of {$52000.00} ( {$4000.00} monthly payment X 13 months, XX/XX/XXXX XX/XX/XXXX XXXX. The customer service rep said that a letter had been mailed to me and that I would have the opportunity to appeal, but since I had not previously made 12 consecutive payments on the home, that my appeal would most likely be denied as that was a requirement for reinstatement ( to have 12 consecutive payments prior to forbearance ). 
None of this was explained to me before we went into forbearance and we certainly do not have {$52000.00} just lying around to bring this mortgage current. We can resume making our monthly payments of {$4000.00}, but not the entire balance.
Product: Credit reporting or other personal consumer reports

All inquiries not linked to a direct creditor are unauthorized or were fraudulently initiated.
Product: Debt collection

I do not owe this company this debt that they are claiming on my credit report. I do not have a contract with this company and this company refuse to provide proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS REVIEWING MY RECENT CREDIT REPORT AND THERE WERE ACCOUNTS WHICH ARE NOT MINE. I HAVE NEVER APPLIED TO THESE CREDITORS, I'M NOT RESPONSIBLE FOR ANY OF THESE DEBTS, I HAVE NEVER SIGN CONTRACTS OR AGREEMENTS WITH THESE COMPANIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX bankruptcy that was discharged inXX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX  Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX.