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

On XX/XX/XXXX it was discovered while on Equifax that there were hard and soft inquiries on my credit profile that were fraudulent from entities only from XXXX, Georgia and New York ( XXXX XXXX ). The only account I have is from XXXX XXXX and I know that all my personal information and identity were sold or maliciously given or transferred over to third parties with criminal intent my former employer was also from Georgia ( XXXX, XXXX ). A company whom I reported on XX/XX/XXXX XXXX XXXX to and was retaliated against and since then have been paying the price and am now homeless and can't get a job and now this. XXXX XXXX along with the California Tax Board have manipulated my paystubs with only XXXX paystub having the name XXXX XXXX XXXX and all others having XXXX XXXX. Why did the California Tax Board take my refund for my XXXX tax year? Because they issued that one check with my full name that the IRS verified and they tapped into our conversation since my affiliation from XXXX XXXX XXXX was with the University XXXX XXXX the same University I am suing due to me being XXXX. Moreover, XXXX and XXXX have also neglected to report my XXXX XXXX account the Department of Education has awarded me and that is in outstanding status under my verified legal name XXXX XXXX XXXX with the IRS and Social Security Administration, etc. Neglecting to report and delete credit profiles again and again is a violation of many laws but my equal protection is ripped to pieces. I have a letter dated XX/XX/XXXX from XXXX and I have the paystubs from XXXX and some other documents but some have been stolen by people that the IRS will remember. Tax evasion was a dismissed court case I submitted so I tried to protect my Americans and myself so don't try XXXX XXXX to me in anyway shape or form ever because when someone writes their name on the ballot and they're ballot is prevented from being counted that is fraud ; for governor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the opening of those accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX XXXX XXXXXXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CFPB, XXXX, XXXX and XXXX I am writing to have this derogatory reporting removed from my credit report. This account is listed as a charge off. A charge off is considered a certificate of indebtedness. It also means it is income and income can not be reported to my credit report. Please refer to IRS Publication 4681 attached.

I also did not give you the credit reporting agency consent to disclose derogatory information that has prevented me from getting credit. I was not given the non- disclosure option and the right to opt out per 15 USC 6801-Protection of non public personal information,15 USC 6802- Obligations with respect to disclosures of personal information Per CFR 313.7. I was also not given adequate notice as the consumer to opt out of the reporting.

Again, a charge off is a certificate of indebtedness which is income and income can not be reported on my credit report. I am requesting that the item be deleted from the report. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), XXXX ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, 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, inaccurate, and false information consists of fraudulent Collection accounts with XXXX XXXX XXXX opened XX/XX/XXXX, for {$17000.00}. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Vehicle loan or lease

My history with Honda shows I have only one late payment that was paid within 30 days. 

This was a loan for my first car ( new ). Purchased in XXXX. Paid off in XXXX. 
The single late payment was in XX/XX/XXXX. 
Payments were {$310.00} minimum and I would add more to pay down principal. 
The account is closed as the loan was paid off in full. 

I believe throughout the duration of this loan we set up auto-pay so it would always pay on time. Never late. 

This single late payment is negatively impacting my credit score and lenders always mention it to me.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXXXXXX  I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card

In XXXX of 2024, I paid off my credit card with XXXX XXXX XXXX As soon as I paid off my credit card with XXXX XXXX XXXX the company closed my account. I gave them over XXXX USD and they closed my account 2 weeks after getting current and not making anymore interest off of me. 

This company is stealing money, and access my credit report without permission. 

As terrible as the economy is and hard as Americans work to keep this country and self afloat, mega companies should not steal money as CitiBank did me.
Product: Credit card

Truist notified me of suspected fraudulent activity on my credit card so I reviewed my account. I reported the numerous charges that were on my account that I did not make. They refunded multiple XXXX charges but there were XXXX charges in the same day to XXXX online that were showing as pending when I reported to Truist that I did not make. They will not credit these charges back to my card. They said that I have not supplied any additional documentation, but no one that I have talked to can tell me what i would supply to them to prove my case. I have contacted the fraud department multiple times and they tell me there is nothing they can do to help me. I have even contacted XXXX online. XXXX online said they could not send me anything, but I could have my financial institution contact them and they would verify that I did not make these charges in my account. I have provided the phone number to Truist and they refuse to help me by contacting XXXX. I visited a local branch and the employee there said she was going to file a complaint on my behalf. I also had an employee in the fraud department tell me that she was going to file a complaint for me. The charges that I am disputing are all posted on XX/XX/24 to XXXX in the amounts of {$42.00}, {$260.00}, and {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several things listed on my credit file that I submitted a letter with the documentation they requested and what I received back as an OPEN LETTER with all my personal information and a return to sender unable to deliver. I then checked their site and it's the same address on the envelope. This is not acceptable. What are they trying to do stop me from disputing??????????
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act Convergent Account has Violated my rights ( PORTFOLIO RECOV ASSOC {$1500.00} XX/XX/XXXX XXXX and another {$1300.00} XXXX XX/XX/year> ). I have never owed PORTFOLIO RECOV ASSO 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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Unverifiable no data information XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Unverifiable no data information XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EQUIFAX 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 XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I obtained a loan from a company called World Finance, located at XXXX XXXX XXXX, XXXX Ga, XXXX. The loan that I received and requested and was also issued a check for was in the amount of {$1200.00}. The transaction was handled in the late evening after a long day of work and upon arrival the office was closing in 10 minutes. The owner of the branch whose name is XXXX, sat down with me and went over my loan paperwork and had me sign. I was clearly aware of the high APR and was also advised that there was no prepayment penalty, later that evening I did a mobile deposit and deposited the check into my bank account. The next day I realized that I no longer wanted this loan and could probably get a better rate elsewhere and made a decision to cancel. I contacted World Finance on XX/XX/2019 at that time I again spoke with XXXX and advised him that I still had the funds and would like to return in full and cancel my loan. He advised me that because I deposited it, I would be unable to do so and would need to pay in full the amount of {$1400.00}. I was shocked as it had not even been a full 72 hours and that for two days I would have to pay almost {$210.00} additional plus what I had borrowed. I realized then that something was not right and that may have been taken advantage of, in my time of need. To avoid any additional fees/fines/interest I went ahead and paid what XXXX had advised me to pay in order to cover the loan. I am fully aware that I signed a contract with an interest rate that is extremely high and abnormal. My concern however is that the additional {$210.00} I had to pay to cover my loan and that I had only had for 3 days was quite excessive and again abnormal. Per the FTC, I was advised to file a complaint with the CFPB. I am really hoping that someone will take a look into this. If it happened to me I am sure it has happened to so many others. I blame myself for putting myself in a situation where I would have to pay back a loan double than what I received what I didn't realize is the fees associated with it, that would be assessed within just 3 days of having the loan. This has to be illegal. Attached you will see all my loan documents, the check that was issued to me and the confirmation of the amount that was paid to world Finance by me. Thank you for your help.
Product: Debt collection

I spoke with a representive from XXXX XXXX XXXX  who tinted my windows for about {$400.00} dollars and made me apply for a loan for {$2000.00}. 

I was let on payments and they sent my account to Monterey financial who is charging $ XXXX plus for debt collection. 

XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Monetary financials
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a dispute of an error on my credit report which was for a collection placed by a company called XXXX XXXX XXXX who reported the collection for the original creditor XXXX. I reached out to correspond and request debt validation as I had never received any information from the original creditor or XXXX XXXX XXXX about this debt including any bill or utility usage. XXXX XXXX named XXXX stated that she didnt know why I was getting a collection reported on my credit by XXXX XXXX XXXX because they use XXXX XXXX and not XXXX XXXX. I submitted evidence to XXXX XXXX XXXX, XXXX, XXXX, CFPB, and XXXX  proving that I moved and that this collection is an error on my report. 

FDCPA and FTC law states : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt.

This debt should be removed from credit reports and collection stopped if not validated within the given time frame.

This debt has never been validated to me after correspondence and I check my mail everyday. The only way I found out about it was through my credit report. My wife is also witness to this bogus debt harassment by XXXX XXXX XXXX. 

XXXX XXXX of XXXX XXXX has put into writing on XXXX separate government regulated websites that this debt that XXXX XXXX is trying to collect on is not shut of with XXXX until XX/XX/2019. It also says it was opened XX/XX/2019 which is false and untrue considering I am paid in full and up to date on my XXXX bills. 

Now XXXX and other resources I have used as a consumer have failed to properly investigate and remove this error from my credit which is a violation of my FCRA rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called TransUnion five or six times today to have these unverified inquires removed from my credit report. XXXX to have these inquires removed and they are lying to me.
Product: Checking or savings account

On XX/XX/year> I received a text the phone number to my account had been changed. I was locked out of my account. Then the email to my account was changed. I called Chime and they were able to change my information back. While locked out of my account money was moved from my savings to my checking and {$1400.00} was used towards an XXXX XXXX XXXX. This was a fraudulent charge Chime is refusing to reimburse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name ; XXXX XXXX XXXX. 
Account number : XXXX XXXX : Collection account. 
Amount : {$630.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX Status : Collection account. 
Amount : {$280.00} -- -- I never applied for this and I never lived at XXXX XXXX. I do not know where this apartment is, this is not mine and this is fraud Account name : XXXX XXXX XXXX  Account number : XXXX Amount : {$700.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX  XXXX Account number : XXXX Amount : $ {$640.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX Account number : XXXX Amount : {$2100.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX Amount : {$2800.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account : XXXX XXXX XXXX  XXXX Amount : XXXX -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Inquires are not mine and this was done without my consent. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I am writing to formally address an issue with the recent invoicing for my Home Equity Line of Credit ( HELOC ) account, [ XXXX ]. I have had invoicing issues ever since my HELOC transferred from Specialized Loan Servicing XX/XX/year> to Newrez LLC dba Shellpoint Mortgage Serving ( Shellpoint ), that have yet to be resolved. 

It took 3 months to finally receive an invoice, and when I did it had the incorrect rate that does not agree to the mortgage note. Daily rate should be 10.125 % /366 days= 0.02766 % and not the incorrect rate on the statement 10.125 % / 365 days = .02774 % A Shellpoint phone rep said they have system issues and have no estimated resolution date in sight. I havent had correct or timely billing since the transfer to Shellpoint in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX/XXXX To whom it may concern, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian on XX/XX/XXXX to update 3 collection accounts that were incorrectly showing balances. The debt was paid to the original creditor on XX/XX/XXXX. 

I contacted the collection agency on XX/XX/XXXX to find out why they were still reporting the balance to Experian as unpaid. I was informed that the accounts were reported to Experian as paid on XX/XX/XXXX and Experian never contacted them as part of the dispute investigation even though Experian updated the dispute as complete and reaffirmed the balance on my credit report. The 'last updated " date on the accounts show XX/XX/XXXX which is clearly after the dispute and after the balances were paid. 

The reported balance on each of the 3 accounts are as follows : {$480.00} {$500.00} {$1700.00} Experian never conducted an investigation as is my right under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # listed below XXXX, Experian, 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 XXXX XXXX XXXX XXXX Account Number : XXXX Last Updated Date : XX/XX/2022 Amount : {$3400.00} XXXX  XXXX last Updated Date : XX/XX/2022 Account Number : XXXX Amount : {$470.00} XXXX XXXX  Date : XX/XX/2022 Account number : # XXXX Amount : {$56.00} XXXX XXXX  XXXX XXXX Date XXXX XX/XX/2022 Account Number : XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/2022 Account Number : XXXX Amount : {$660.00} ______________________________
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE and XXXX are obligated by the Privacy Act of 1974 to balance the need to maintain my information with my rights to be protected against unwarranted invasions of my privacy. CAPITAL ONE disclosed my nonpublic personal information to a nonaffiliated third party and did not provide a clear and conspicuous revised notice that accurately describes their policies and practices. CAPITAL ONE did not provide an opt out notice nor did they give me a reasonable opportunity before the information was disclosed to opt out of the disclosure ( 16 CFR 313.4-10 ). CAPITAL ONE and XXXX are liable under the SEC to follow certain rules. CAPITAL ONE XXXX file number XXXX. The XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX ( XXXX ). In addition to this complaint, I will be filing a form XXXX treasury omb forms to have my consumer account audited. I am aware that XXXX is securitizing my consumer data, but continues to break the law by sharing my data with third party companies like XXXX, XXXX XXXX, and XXXX XXXX.
Product: Debt collection

Reaging {$210.00} XXXX XXXX Cell phone bill. Phone # XXXX. Contract XX/XX/XXXX. XXXX XXXX. Supposed to be removed XX/XX/XXXX. XXXX attempted to collect then sent to XXXX XXXX to collect. Have received collection notices after XX/XX/XXXX. Pinnacle has the debt now. Stated I opened account XX/XX/XXXX when I had current phone number XXXX and was with XXXX XXXX. Now for the past 2 years I am with XXXX with same number. I have requested verification/validation from Pinnacle through fax from XXXX XXXX with transmission verification. A week later I sent them the same documentation via Certified Mail by USPS. I received nothing. I have sent them old credit reports showing reflecting the XXXX debt and when it was supposed to drop off in XX/XX/XXXX, along with other collection notices showing the old phone number as an account number. The XXXX CRA 's have been contacted via certified mail reflecting my dispute request 3 times, and for the lack of verification/validation by Pinnacle. Their response is that the debt is mine. I have had XXXX once! I still have the phone. Its a analog phone. Not a smart phone as we have 15 years later. I have been trying to clear up my credit since XXXX XXXX. Under section 605 this outdated info should be noncollectable or be allowed on my credit report without physical creditor documentation from XXXX XXXX which I have been requesting but refused.