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

This complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 that you, XXXX, XXXX, and Equifax credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent false and inaccurate information consists of a car loan opened with 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report including the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. These accounts were not opened made or initiated by me. all of these accounts are the result of identity theft and fraud. i have attached a copy off my ftc identity theft criminal complaint # as proof from the us federal trade commission that all of these accounts collections and hard inquiries are the result of identity theft and fraud. My FTC identity theft report # is # XXXX
Product: Mortgage

5 years ago I fell 2 months behind on my mortgage. I reached out to my lender, Bayview Loan Servicing LLC, for assistance and they told me I was ok and that when I fell to 3 months behind they had programs and options available to help me with my financial situation. The day I hit the 3 month behind mark, I called the lender to make a payment and schedule the remaining XXXX late payments for XXXX weeks later via automatic withdraw to bring the account current, only to find out that I was being processed for foreclosure. Unfortunately my situation required a chapter XXXX bankruptcy ( the debt was mine and I should be responsible for paying it back, not wiped clean and given a free ride ). Since filing for bankruptcy, I have made every monthly payment to my current mortgage lender, Bayview Loan Servicing LLC, ( sometimes a little more ) for the last 5 years as per my chapter XXXX bankruptcy requirements. I have the receipts and or conformation numbers to verify each payment. Twice during the bankruptcy Bayview incurred debt on my behalf without my permission ( they paid my property taxes when I have never had an escrow ). They attempted to have my bankruptcy discharged stating I was 6 months behind, again we had the receipts to prove their accusation wrong. As of the end of XXXX 2015 I have been released from my bankruptcy as paid in full. I just attempted to refinance under a VA loan and much to my surprise Bayview is reporting me as delinquent, again we have made each monthly payment with receipt to verify, as recently as XXXX 2015 even thought they say I have a XXXX $ credit. Bayview Loan Servicing LLC even sent a letter to the bankruptcy trustees stating we were current on our loan. As a result of their improper reporting habits I can not refinance under any loan to get out from their 9 % interest rate. Can someone please help resolve our issue? I have been fighting with this company for years now. Research has shown Bayview Loan Servicing LLC to have terrible consumer relations and would appear they are in the business of forcing people out of their homes.
Product: Vehicle loan or lease

XXXX XXXX has been hired by Hyundai Capital America dba Kia Motors Finance to collect a debt of {$6600.00}. XXXX XXXX has repeatedly called me and my relatives regarding this debt. I have expressed that I would like to communicate via mail and have continued to receive calls from XXXX XXXX. 

XXXX XXXX and XXXX XXXX do not currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

All communications should be made out to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I investigated my credit report in which I found inaccurate, unverifiable, and questionable items that your agency did not make sure it was 100 % correct. 
In accordance with the fair credit reporting act, everything on credit report must be 100 % accurate. Under 15 US code 1681e ( b ) and US code 1681 ( 5 ),, these accounts are in violation of not reporting 100 % accurate. 
These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to reach out to transunion multiple times over 7 years have sent multiple copy 's of all information asked for each time yet still there is a suppression on my credit and can't use it for anything
Product: Checking or savings account

I have been a victim of identity theft through Chime bank my business phone was accessed without my knowledge from my desk drawer and I dont typically use that phone but when I sign into the Chime account in XXXX I noticed there were close to {$620.00} in fraudulent charges I disputed the charges with chime and they refused to comply with XXXX XXXX I have since sent an FTC report police report so they have for their documentation claim number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I got scammed and someone fraudulently used my card/signature ... To shop at  XXXX   XXXX  in the amount of {$6300.00}. I do not know what  XXXX   XXXX  is nor do I spend that much in a day for products I do not know about ... Going through previous transactions history o n American Express, I would not have places like that on my charge history ...      Also  American Express Personnel advis es to let charges go through and dispute them later, this is what I am doing now.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer. I currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX . I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, XXXX. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting copies of the the XXXX form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the 1099-C form. XXXX XXXX XXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I went on to a couple car sites and used their prequalified method to see if a Vehicle I like what my rates would be. Long story short these people have shopped my report to Multiple places and now people are calling me to purchase a car. This is violation or my credit report and personal information being shopped to vendors without my consent nor knowledge. Please delete the state inquiries below, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I never authorized any of these credit inquiries on my report.
Product: Mortgage

RMS my reverse mortgage servicer sent me a letter stating that I had to get credit counseling. Which I did with XXXX XXXX XXXX. They faxed my budget over to RMS and said I qualified for a payment plan for my taxes. They said they would sent me a payment plan and coupons. They never did and the next thing I received was a letter from a lawyer saying he was retained to initiate foreclosure proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were unauthorized and should not be listed on my credit report. 
Accounts : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$28000.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$800.00} Inquiries : XXXX. XXXX XXXXXXXX o Date : XX/XX/XXXX XXXX XXXX XXXX o Date : XX/XX/XXXX XXXX XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXXXXXX XXXX XXXX XXXX o Date : XX/XX/XXXXXXXX XXXX XXXX XXXX o Date : XX/XX/XXXX
Product: Debt collection

I did not have money at the time, I asked the representatives for extended payment plan during XXXX XXXX XXXX of my credit cards went to debt collect, and we were in a pandemic, since then we did not have any resource of income or what so ever now I have XXXX credit card in debt collection wont remove from my credit report stuck, and my XXXX XXXX went down all the way from XXXX to XXXX!
Product: Mortgage

On 2 occasions in the last 12 months, my mortgage company has taken my entire loan payment, including the amount over the requested payment, and applied nearly 100 % to interest. My payment is {$480.00} and has been for the last 10 years. All other payments have been applied correctly. 
The first was on XXXX/XXXX/XXXX, my payment was dispersed as shown below : Total paid : {$500.00} Interest : {$490.00} Principal : {$3.00} - This math does n't even work On XXXX/XXXX/XXXX, My payment was dispersed as shown below Paid : {$500.00} Interest : {$480.00} Principal : {$11.00} I contacted the lender, Specialized Loan Services, and they stated that my loan was simple interest and they would not correct the issue. I then reread my original loan contract and confirmed that my loan is a fixed rate. At this time, I also discovered that my loan was written as a 30 due in 15 which was never explained to me. I have faxed and emailed the mortgage company and they have not yet responded nor fixed the error - it has been 7 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute Regarding Collection Account Midland Credit Management Dear CFPB Representative XXXX I am writing to formally dispute the collection account reported by Midland Credit Management , referencing XXXX XXXX XXXX XXXX XXXX The details of the account in question are as follows : Debt Buyer : Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account Type : Debt Buyer Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this debt as I believe it is inaccurate, unverifiable, or not owed by me. I request a thorough investigation into this account and verification of the debt in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

If Midland Credit Management can not provide proper validation of this debt, I request that this account be removed from my credit report immediately. 

Attached is a screenshot of the account details for your review. Please provide me with a written response outlining the results of your investigation and any actions taken. 

Thank you for your prompt attention to this matter. Please feel free to contact me via the information above for any further clarification. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX both is in violation of mishandling my credit files by first reinserting an account inwhich was removed in XXXX of XXXX, only to reinsert it in XXXX of XXXX, this account is XXXX XXXX XXXX. It is a consumer law that states that the reporting agencies must give one 5 days notice of reinserting an account. I'm demanding that this account be blocked from my credit files immediately. Secondly, I have demanded a show of the Method of Verification used in the following accounts including the above account. 

Account 1, XXXX {$940.00} Account 2, XXXX XXXX XXXX {$1000.00} Account XXXX, XXXX XXXX XXXX Please provide me with every detail in investigating the above matter at hand. Who did investigated this matter, name and title. Also inwhom did they speak with, name and title. What time, what day, and what physical documentation did you and your companies received. What physical certified documentation did you and your companies provide me. If you can not provide me with this request then as a consumer with rights as stated with the FCRA, the above accounts shall be blocked immediately..My problem with your last investigation is that electronic Verification can not be a valid means for any vertification, there it can not be accepted as proof. Please block the above accounts immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX XXXX XXXX : XXXX LexID XXXX I have found several inaccuracies and unauthorized inquiries on my LEXIS-NEXIS consumer report. I would like each of these in accurate injuries of information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. 

These concerns must lawfully be addressed within the next 15 days. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account information XXXX XXXX  Account number XXXX Account charged of collection 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account information XXXX XXXX  Account Number XXXX Status Account charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX XXXX XXXX must be removed from my XXXX and all other versions of my consumer report My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXXXXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX, XXXX, continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX, XXXX, shall be liable for violations of TILA, FCRA, GLBA,, the XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX FTC ACT and RICO Act. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant. Your prompt attention and response are both requested and required
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is being submitted through the CFPB to inform Equifax that I am a victim of identity theft and the accounts I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX & financially... and I would truly not what to pursue a legal remedy... Please delete these XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've had two credit cards with Citibank for several years. One with a XXXX limit and one that was XXXX. I was using the cards and paying them off, or making large payments during that time. I started using them more often because they both had a type of cash-back feature, so they became my primary cards. My credit score was in the low to mid XXXX 's depending on my revolving balances on these and other cards. I have an absolutely perfect payment history. 

In XXXX, I had a XXXX limit, a XXXX balance, and my payment due was XXXX. 
In XXXX, Citibank decided, with XXXX notice, to cut my limit to XXXX and double my payment to XXXX. I had just used the card for a XXXX cash advance for the very first time, so my new balance left me with a XXXX availability. They then reported to the credit bureau that I was maxed out on that card, which negatively affected my credit score. 

Meanwhile, the following month on my other Citi account, I had a XXXX limit that they dropped to XXXX, just barely above my balance because I'd paid for a vacation deposit with that card, and reported that card as maxed out. 

As soon as these balances showed maxed, XXXX XXXX jumped on the bandwagon and slashed my credit limits on four accounts, that were at a XXXX balance, in response to what Citi did. Now with my revolve balance to available credit ratio completely destroyed, my credit bureau rating has dropped by almost XXXX points. 

None of this was necessary. I have XXXX problem making my payments, I have never missed a payment, but Citi went out of their way to negatively impact my credit.
Product: Credit reporting or other personal consumer reports

credit karma has no customer service phone number to opt out of credit karmas service. this company submits a daily inquiry on my credit report and XXXX does the same. I never signed up for this service nor did i give written permission for either company to perform theses actions on daily bases.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Act ( FCRA ) to conduct a reasonable investigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian. alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.