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

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX There was fraudulent Quick Claim Deed created in my name and the person did not pay the mortgage on time. Therefore, the XXXX XXXX placed late payments on my credit report and started Foreclosure process and would not accept any payments after I became aware of the situation. I have contacted the XXXX XXXX, Experian, XXXX  and XXXX and made them aware with a previous theft report along with a filed law suit, which I have attach all documents with the compliant. There was not full investigation on behalf of XXXX  XXXX, Experian and XXXX  as XXXX  has " DELETED/BLOCKED '' the account as required BY LAW. 

XXXX XXXX will be held labile for damages for Breach of Duty, Breach of Duty cause for injure and loss!

Experian and XXXX  will be sued for not completing a full investigation, which is required by law! I will hired the attorney that sued XXXX  for XXXX XXXX dollars  for this " negligence ''!
Product: Money transfer, virtual currency, or money service

Paypal has permanently closed my account XXXX Theres no reason for that Then emailed me that my money will be in hold for XXXX days For no reason I tried to reach customer service Automatic reply is the only thing I get I tried to telephone them But they show no care Without explaning why
Product: Vehicle loan or lease

My car loan is with Hyundai Motors. For the past 6 monthsin 2021 I have been over paying by about {$31.00} a month. I have asked them to apply the overage to my principle. After battling with them for over 3 months, they charge me late fees for which I do not owe. They have not applied the over payments to my principal but have credited to the interest, making extra money for themselves. Every week I am on the phone with them and no one seems to know what they are doing. I don't owe late fees but this is what they come up with after I have been over paying. My account now says I owe {$61.00} more than my care note is for no reason. They are trying to rip me off. 
When covid hit, I got an extension and they approved it. Now they are trying to say I was late last year. If I was late, they would never have given me an extension.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of the fair Credit Act not the company. Their inaccurate response failing to address why they are violating my Fair Credit Reporting Act Right by reporting excluding information under 15 USC 1681a 2Ai has nothing to do with the furnisher and everything to do with their violation of federal law and I want it to STOP! and i also want them to stop sending frivolous responses to the CFPB that dont address the issue at hand. The law is clear and XXXX is violating that law and I want them to be held accountable and not pass the buck as you are allowing them to do! I am litigious md I will sue them if this violation of 15 USC 1681a 2Ai continues beyond this complaint.

As quoted below under federal law 15 USC 1681a 2Ai any reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. A reporting of a late payment is specifically excluded under federal USC 1681a 2Ai and I want all late payments and collections deleted from my credit report immediately. XXXX and Transunion are both reporting a 30 day late payment for XXXX XXXX XXXX for XX/XX/2021, this is a FCRA violation under XXXX5 USC 1681a 2Ai as an exclusionary reporting. XXXX and XXXX are both reporting a collections account for XXXX  XXXX  XXXX, XXXX and XXXX XXXX XXXX I respectively that are also in violation of FCRA 15 USC 1681a 2Ai. The law states " reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. '' These Credit reporting agencies are violating my Fair Credit Reporting Act Rights with the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Mortgage

My clients property is underwater m y 1st question  is can he do a short sale if he is still making the payment. We have an offer on the property I am attaching all the documents.
Product: Credit card or prepaid card

I had a consumer credit card with Neiman Marcus that was my oldest credit card that I had on file. It is my belief that in order to make me appear " more worthy '' of being poor and XXXX  that this account was closed without my authorization. This account was on my credit report since the age of XXXX and was my oldest account that I had for over XXXX  years and was shut down without my authorization. 

I called into Neiman Marcus but they didn't understand my concern over this account being closed as they do not have access to " whom '' closed the account, when it was closed down, why it was closed down, and if this was done without my authorization. 

IF this account was closed due to a lack of activity than I can accept this fact but if the account was closed by a person who posed as myself then I do have a problem with this. It was not myself who closed this account and I would like this matter looked into a little deeper as I believe this was done in order to impact my overall credit score and lower my score making me an ideal candidate for XXXX  and for Government housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX OF XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX PART - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax DEPT OF ED - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Checking or savings account

On XX/XX/XXXX at the Chase main bank building in XXXX, XXXX XXXX XXXX XXXX, I tried to do a cash withdrawal for a small amount of money. A person was operating the ATM next to me, and told me he " was just checking the ATM 's '' and said " excuse me I just want to see if the scanner is working on your ATM. '' He was wearing an orange safety belt and was holding a stack of bills in his hand and had checks in his other hand. I thought he was working for the bank. He punched the deposit button on my screen, and the deposit scanner started, and he slipped a check into my ATM. {$850.00} came up as the deposit. I told him he just put money into my account that did not belong to me. He tells me " Don't worry, I am going to take that check back if you allow me one second. '' He then punches the Get Cash button and punches in {$850.00}. I immediately hit the Cancel button and pulled my card out of the ATM. He tells me " I am not trying to cheat you, man. '' I said no way, I am not giving you cash for that check. He leaves and I went across the street to call Chase. Chase did not know what to do when I told them this. The check did bounce, and they agreed to not charge me the {$850.00}, but then days later changed their minds and charged me the {$850.00} that I DID NOT TAKE OUT. I know I did not take out the {$850.00} and the transaction was cancelled at that point. Nobody got any money. I need help in getting Chase to either show me the video of us getting money or to refund the {$850.00} charge against my account. I had been in contact with many Chase phone employees, who listened to my account of the incident, and they did agree to review the incident. The check did bounce, as I knew it would, but I was happy they did not initially charge me {$850.00}. But days later i was notified by mail that they reversed their decision with no reason given. Help me to get this {$850.00} back please.
Product: Consumer Loan

I opened a payday loan with advance financial they immediately told me that because I took out a payday loan that I qualified for an installment loan also I ended up taking out the installment loan also. I may have made one payment on the installment loan before they told me they no longer offer payday loans or installment loans. They said I had to switch both loans to their new flex loan. Right after doing this I started asking a lot of questions which no one could answer. I spoke with a district manager who also could not explain how the loan works. This loan put me in a financial down hill spiral because they kept offering more money which I accepted but ca n't afford to repay at their interest rate. I asked them for a printout of my payment history which they stated they could not give it to me. After doing some research and talking to a financial counselor I realized they used the bait and switch tactic on me.
Product: Checking or savings account

On XX/XX/year>, an unrecognized and unauthorized charge of {$1700.00} from XXXX appeared on my Chime checking account. I do not have an XXXX account. After attempting to reach XXXX to no response I opened a dispute through Chime customer support on XX/XX/XXXX. A day later the dispute was closed without even contacting me with no evidence provided to me nor any further communications requesting any additional info. I appealed the dispute and the same thing happened. As of XX/XX/year> I have disputed and appealed this charge over a dozen times and Chime still refuses to give me any explanation or reasoning that goes into their decision. This goes directly against XXXX XXXX Liability policy which guarantees that you won't be held responsible for unauthorized charges made with your account or account information. Attached below is my identity theft report. I would like an immediate refund to my account for this fraudulent charge.
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove XXXX XXXX account ( XXXX ) # XXXX and the other account XXXX XXXX XXXXXXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : per the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number : XXXX any other information being reported on my credit report by XXXX, Equifax, and XXXX is incorrect and is a result of identity theft, and shall be corrected immediately. 

I recently disputed some incorrect items on my credit report with all XXXX bureaus, and they all claim the disputed accounts were verified as accurate. In my dispute i asked them for a debt validation, and proof of investigation, but the requested items were not sent to me. I am seeking compensation for damages for none compliance. under 15 USC1681n ( a ) ( 1 ) ( A ) which allows consumers to recover up to {$1000.00}. Their constant neglect to properly report my credit has been affecting me and my XXXX XXXX XXXX daughter 's ability to get a car note, credit cards, and apartments. I am wanting for them to be held accountable for their negligence and causing us pain and suffering. Equifax, XXXX and XXXX are tarnishing my name and my identity and it's not right. I am referring to these accounts below : XXXX XXXX XXXX Account number XXXX Balance {$9200.00} XXXX XXXX Account number XXXX Past due amount {$140.00} Hard inquiries : XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX I am using these laws below to challenge their claims against me, and again I am demanding to be provided documents such as debt validation, timing of payment, proof of investigation ect... 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1666b - Timing of payments
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint for today is a follow-up to my previous complaint dated XXXX to dispute these items : 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 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 These items are erroneous and I want them deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$830.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$5100.00} ) XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX  ( Account number XXXX, Date opened XX/XX/XXXX, XXXX XXXX  {$290.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$160.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1XXXX XXXX  XXXX acct XXXX XXXX* 2XXXX XXXX XXXX acct # XXXX* 3.XXXX XXXX acct # XXXX 4.XXXX  acct # XXXX have violated my rights. 

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

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

his company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$2100.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.
Product: Debt collection

I have sent out letters to the bureaus about this account. I have no idea where this came from but im trying to buy a house. This item needs to be removed please! 


XXXX ) XXXX XXXX # XXXX xxx XXXX ) XXXX XXXX XXXX # XXXX
Product: Debt collection

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT.

ACCORDING TO THE FCRA IT IS A VIOLATION.

CAPITAL ONE I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Product: Debt collection

I, the consumer, disputed this debt in XX/XX/2020 with XXXX  , XXXX After an investigation, the credit bureau concluded that this account was incorrect, and sent notification to XXXX XXXX XXXX to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XX/XX/XXXX, XXXX, XXXX, and by extension Dynamic Recovery Solutions has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have submitted this evidence to Dynamic Recovery Solutions to verify the results of the credit bureaus investigation, in addition to the Consumer Finance Protection Bureau.

The account in question is Reference Number : XXXX
Product: Debt collection

ThePENN CREDIT CORPORATION XXXX call my number at least XXXX or XXXX times everyday and as late as XXXX on Sunday 's I answer and tell them to stop calling but they continue. This has been going on fo at least 6 months. Many times it 's a recording.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance XXXX {$560.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} SXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$940.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX,