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

I received a call from XXXXXXXX XXXX on XX/XX/2022 to confirm that I applied for credit because I have a fraud alert on my credit report. I told them that I didn't and then I checked my XXXX ID Works activity by logging on to the website I logged into the website and saw that there are 5 inquiries in an attempt to obtain credit in my name : XX/XX/2022 - XXXX - XXXX XXXX XX/XX/2022- Equifax XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022- XXXX - XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX These are all fraudulent attempts to get credit in my name so I worked with an XXXX agent to try to get these inquiries removed and work with the credit companies to NOT issue credit. Now I need these hard inquiries removed. 

I also placed a freeze on all my credit reports to prevent further identity theft
Product: Debt collection

On XX/XX/2023 I received a notice of debt collection from the Cedars Business Service stating that I owed {$1200.00} for an XXXX  with XXXX XXXX I have never received services from this business I have had XXXX for well over 20 years and have never received medical care of no form from anywhere besides XXXX.
Product: Credit reporting or other personal consumer reports

I have requested on numerous occasions to verify and correct the information being reported on my consumer credit report. I do not have this problem with the other agencies. 
In accordance with Fair Credit Reporting Act Account XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A I have the right to privacy. 15 U.S.C. 1681 604 A section 2 IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX  XXXX XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance {$970.00} XXXX XXXX XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$850.00}
Product: Payday loan, title loan, or personal loan

Upstart withdrew {$260.00} from my bank account without my authorization or request on XX/XX/2020. I received no notice of this and never scheduled or authorized a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for XXXX, XXXX, and XXXX XXXX, as well as at least 1 % of the company pursuant to XXXX  XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Against XXXX XXXX, Mortgage Account Number : XXXX Dear Sir or Madam, I am writing to formally lodge a complaint against XXXX XXXX  regarding the mishandling of my mortgage payments and the subsequent reporting of a late payment to the credit bureaus. 

Background Information : Account Number : XXXX Mortgage Holder : XXXX XXXX Date of Incident : XX/XX/year> Mortgage Payment History : 42 on-time payments with XXXX ( none late ) ; no late payments across multiple mortgages with other banks. 

Summary of the Issue : In XX/XX/year>, I was enrolled in autopay for my mortgage with XXXX XXXX. However, without my knowledge or consent, XXXXXXXX XXXX  system inexplicably turned off my autopay, resulting in my mortgage payment not being processed on time. 

On or shortly after the first of XXXX, I received a call from XXXX XXXX  informing me of the missed payment. I immediately provided the XXXX operator with instructions to process my payment. The operator assured me that the payment had been processed and that everything was in order. 

However, the following month, I was shocked to receive another call from XXXX XXXX, this time informing me that my XXXX payment was now over 30 days late. I once again provided the same payment instructions to the second XXXX operator, who assured me that the payment was processed correctly this time, and indeed it was. 

This situation arose due to two critical failures on the part of XXXX XXXX  : Autopay System Failure : XXXXXXXX XXXX system inexplicably turned off my autopay without my knowledge, which led to the missed payment. 

Operator Error : Despite my prompt action to rectify the situation in XXXX by providing payment instructions, the XXXX operator failed to process my payment as promised. 

As a result of these failures, XXXX XXXX  reported my XX/XX/year> payment as 30 days late to the credit bureaus. This reporting is unjust and inaccurate, given that I took immediate action to resolve the issue and relied on the assurances provided by XXXXXXXX XXXX representatives. 

Steps Taken to Resolve the Issue : I have made multiple attempts to resolve this issue directly with XXXX XXXX, but my concerns have been dismissed. Despite my long history of on-time payments and responsible financial management, XXXX XXXX  has refused to take responsibility for their errors or to correct the inaccurate credit reporting. 

Request for Resolution : I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist me in compelling XXXX XXXX  to withdraw the late payment report from the credit bureaus. This erroneous report has caused unwarranted harm to my credit standing, and I believe it is essential that XXXX XXXX  be held accountable for their actions. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

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

I noticed unauthorized inquiries on my credit report that I would like removed. Also informed that according to the FCRA these unverified and unauthorized items must be removed 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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX - XXXX - 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 XXXXXX/XX/XXXX XX/XX/XXXX - XXXX - XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Accounts that were part of my XXXX XXXX bankruptcy were reported by Experian as delinquent when they weren't delinquent.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$750.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Debt collection

Re Acct # XXXX {$930.00} On XX/XX/XXXX and XX/XX/XXXX I wrote and sent certified letters to PORTFOLIO RECOV ASSOC regarding Acct # XXXX. ( See Attached letters ). There are also 3 other accounts I sent letters so that PORTFOLIO RECOV ASSOC could validate the debt they claim I owe. All letters were sent certified on the same days, which were XX/XX/XXXX and XX/XX/XXXX. I am sending a copy of those letters. The debt hasnt been validated. 
Acct # XXXX {$3700.00} ( Case Was Dismissed, attaching court dismissal paperwork ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$930.00} They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my family ; my home and credit and I need help taking care of these matters. 
Thank you in advance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

FORD MOTOR CREDIT, ACCT.NO.XXXX .... is wrongfully appearing on my XXXX credit report.Ford financed and sold me a lemon, an unsafe vehicle that did not meet the implied warranty laws of the state of California and never will.Never since new has the car been safe or functioned normally.From the start, the fuel pump and air bag module malfunctioned.The front driver seat does not adjust, The doors unlatch by themselves while driving.The transmission had to be replaced at XXXX miles.The transmission clutch still doesn't function after replacement, The motor mount broke, The hood latch doesn't close.The trunk latch releases anytime.When my wife was stopped at a red light and rear ended at high speed, two air bags did not deploy.The list continues but what matters here is that two different branches of the same company are involved.

The manufacturer and the lender.Ford motor credit doesn't know what the manufacturer keeps secret.The car when sold was defective, severely illegally defective.It has XXXX value except as scrap metal.NO ONE CAN BUY IT, NO ONE CAN SELL IT.

YET, the financial branch Ford Motor credit wants to destroy my credit because at a certain point I no longer wanted to pay for a vehicle that was unfixable and unsafe. 
When it was sold and financed it was not what it was claimed to be.Everyone just wants to not obey the implied warranty laws of CALIFORNIA. 
THIS ITEM SHOULD BE DELETED FROM MY CREDIT FOR FRAUD OF THE MANUFACTURER AND FRAUD OF THE LENDER.
Product: Mortgage

I filled a complaint about Navy Federal Credit Union a few months ago with the CFPB regarding NFCU charging me late fees for payments made by mail. That were sent out before the due date. My last payment sent out to NFCU by my credit union was returned. In an email sent to me today. XXXX XXXX XXXX XXXX explained my payment sent in XX/XX/XXXX was returned because the account number was invalid. Resending this payment will incurre a late fee. This makes no sense. A payment sent out XX/XX/XXXX by XXXX XXXX XXXX XXXX was accepted by Navy Federal Credit Union with the same account number. 

Navy Federal Credit Union also still has not credited my account for 4 months of late fees. Which it said it would do in my last complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a payday loan with the XXXX XXXX in XX/XX/XXXX. The total loan amount was for {$1200.00}. Over the course of the next 7 months I paid back {$1800.00} ... which is way over the original loan amount plus interest. In the state of NC payday loans are illegal and I was advised in XX/XX/XXXX by the states attorney generals office that I only had to pay back the principal and nothing else. Because I had paid back the principal and interest I paid nothing else. I sent cease and desist letters and never heard anything else from them. Fast forward to XX/XX/XXXX ... 5 years later, a collection shows up on my credit report with XXXX XXXX for {$1700.00} from the XXXX XXXX! XXXX XXXX has never sent me a letter, phone call or anything for this ridiculous debt! This should be removed immediately from my credit report!
Product: Debt collection

I disputed these vendors who have my information and have put this on my credit report. 
It was in on my report ( 1 ) CKS Prime Investment 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX 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 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 All Disputes ' were sent certified in which I explained that this was and is suspected fraud.

I never had an account with XXXX XXXX I've contacted the credit bureaus all three clearly identifying my name address and phone number and asked them to remove all my old addresses and places I have never live from my credit reports awaiting a response. to this query.
Product: Vehicle loan or lease

On XX/XX/2019 a payment was made from XXXX XXXX XXXX XXXX, for the amount of {$590.00} sent to XXXX XXXX ( GM Financial uses XXXX XXXX as a 3rd party for online payments ). The amount was never applied to my GM Financial account. I had to make a double payment on XX/XX/2019 from my bank XXXX XXXX, that payment was applied to my GM Financial account. I had made several attempts to contact both XXXX XXXX and GM Financial but have not been successful of getting a response. My Attorney wrote GM Financial a letter on XX/XX/2019 but as the present have not got a response from GM Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires are on my credit report that I did not make. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On '' XX/XX/year> I viewed my report, and I noticed some inaccurate information. I sent Mutiple dispute letter to Experian XX/XX/year> requesting them to investigate these accounts. 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, personal loan, or advance loan

On XX/XX/year> I contacted the company by phone to get verification of my debt, because of discrepancies that I had informed by dispute. Upon initial contact with the company on the specified date, was hostile in communication with me. After verifying my identity using my social security number, address, date of birth, and other personal information, upon their request, I was told that they are unwilling to verify my debt. I ask to speak to a supervisor, but they refused stating " My manager refuses to speak to anyone. '' then I promptly asked if " they are the highest company official I would be able to speak with or contact? '' they stated " yes! ". I was unsuccessful at trying to obtain verification of my debt.
Product: Credit card or prepaid card

I feel that Navy Federal Credit Union maybe be acting unlawfully please see attachments for more information
Product: Debt or credit management

This is not my account Ive contacted the company asking for copies of my id and or ssi card things to prove i opened this account and they have yet to prove anything this is a fraudulent account and I think it should be removed from my credit report asap please
Product: Debt collection

In response concerning the purported debt, I must assert its invalidity due to insufficient validation from Spring Oaks Capital. On XX/XX/2023, I corresponded with Spring Oaks Capital, posing five specific questions aimed at validating the debt. Despite my efforts, the response I received failed to adequately address all inquiries.

While Spring Oaks Capital attempted to respond, their reply did not sufficiently address all five questions outlined in my initial communication. They answered four questions, but failed to answer the fifth or respond at all to the fifth question Therefore, according to legal protocols, the debt lacks validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX, XXXX, Y ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$98.00} ; XXXX  XXXX XXXX XXXX : {$1600.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Student loan

In Fall of XXXX I was going to be missing a semester of school due to Military Duty. I did everything correct on my part, turned in my military leave paperwork, made sure there was nothing else. Moving forward I am back in school in the spring of XXXX after my military duty was completed at that time. As the semester went along, I started receiving emails and phone calls about my credit and loans. It turned out my university withdrew, " it showed I dropped out of school '' in the national student loan clearing house. After long fights with the school and my student loans it came to find out the university not only withdrew me, but they also withdrew from an incorrect semester that I have already completed. Time moves forward it comes to graduation, soon as it shows I am no longer in school my loans instantly affected me again. The issue is, they had my grace period used up incorrectly from when I was gone for military duty. So, we finally get to an understanding where they fix it for the one loan. Then exactly a month later they started charging me again. They fixed it with the one loan, but never fixed it with the other two. I started school the same time and finished the same time. Yet they still gave me no grace period at all. I started working full time not too long after that completely ready to start paying my loans trying to get this fixed. My credit is completely ruined from this, I started in hole before I was even able to start, all because I went away for our military. I have had so much stress and misleading understandings of this whole situation. Every time I go to this disputed with their credit advisors I get denied. I never spoke to them, and they do not know what happened. I don't understand how I was still in school, having loans charge me and still affect my credit. I just had to go away for the army and now my credit has been completely ruined, loans stacking up. I have been paying what I can but I am not able to do anything else. My credit has been ruined since I was a junior in college, from paying for college.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 XXXX  XXXX XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX ''. Sent a response through the Cfpb Portal saying that they " do not believe that they have committed any violations '' which is a false statement because the law is not what you believe it is what you abide by I showed proof of all violations that they have committed and it is {$6000.00} worth of violations. They also uploaded a fraudulent contract that has a " consumer '' installment contract but has me listed as a " borrower '' under the The Truth in lending disclosure. I am a consumer and under Truth in lending there is no such term as " borrower '', " loan, or " debt ''. This debt collector is using false and misleading business practices to commit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, hurts me applying for credit and applying for jobs. I've reached out to have these issues resolved and haven't gotten a response. I would like to get this issue resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written countless letters and called XXXX XXXX number for assistance, to no avail I haven't received a call back or a letter, only one from Lexis Nexis Risk Solutions LLC, requesting my information, which I sent in a copies of my Driver License, and Social Security card. I also sent certified letters too. I requested to have my accts freeze and copies of my data sent directly to me, because its outdated and incorrect information. Each of the companies neglected my request and hasn't responded to certified mail or call ins. 
XXXX XXXX DL # XXXX XXXX XXXX XX/XX/XXXX SS # XXXX XXXX XXXX XXXX XX/XX/XXXX