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

XXXX XXXX sued me and found out I have no taxable income. They voluntarily withdrew. Since they have done several different credit reporting tactics to ruin my credit and impact my ability to an accurate credit report. Short of obtaining my own legal representation I don't know what they are doing is above board. They are reporting a charge off as an open account on the only credit reporting agency that most lenders use ( see attached ) FICO. They are reporting the charge off as new every month so it unfairly impacts my score. This account charged off in XXXX but as of XX/XX/XXXX the charge off is posting as new and open ( see attached ) yet reporting closed in the description of the account. I had only one other account, XXXX, and they posted the one charge off in XXXX and haven't posted it since, which is the way it's suppose to be reported. You can only charge an account off once yet XXXX XXXX has reported a new and open charge off every month since the original charge off in XXXX on my FICO account. This is unfair and damaging to my ability to recover from a financial hardship and a low point in my life. When I became XXXX and could no longer work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 seven years space 15 U.S.C.1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is in accurate.
Product: Credit reporting

I HAVE NO KNOWLEDGE OF SAID DEBT ACCEPTANCE NOW, XXXX, XXXX BANK, AND XXXX BANK AND I WOULD LIKE IT REMOVED AS ITS REPORTING TO THE CB AS AN CLOSED, NEGATIVE, REVOLVING ACCOUNT. XXXX is a car loan that was totaled and paid in XXXX by XXXX and gap insurance. the information was also shared illegally through a third part without my consent. I also sent out certified letter 609 letters and no respond, I have a lot of inquires that I did not put in as well. I also sent in a divorce decree that my ex spouse is accountable for all my debts and they have yet to remove them
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00}
Product: Credit reporting

XXXX name is incorrect on my credit report. The name is XXXX XXXX. Also, XXXX account shows to be in collection and I do n't know what it is.
Product: Checking or savings account

On XX/XX/2020 I was hacked, a victim of bank fraud. A woman took over my computer and transferred money ( 4 ) XXXX XXXX XXXX and a wireless transfer from my checking account ending in XXXX from my Citibank Checking account. The amount of money withdrawn was {$11000.00}. 

I immediately recognized the transaction ( COMPLETED WITHOUT MY AUTHORIZATION ) meaning I RECEIVED NO SECURITY ALERTS. The thief was also trying to withdraw funds from my XXXX account at the same time in which I received a TEXT MESSAGE from XXXX asking if I authorized this transaction. I immediately replied " NO '' and the transaction was CANCELLED. I have documentation to prove this. 
I immediately called Citibank Fraud Detection Unit, was transferred around to several different people, spent over 2 hours on the phone with them trying to recover my money. The Fraud Unit told me the 4 XXXX funds were ( a total of {$1900.00}, one for {$490.00}, {$490.00}, {$480.00}, and {$450.00} ) the wireless transfer was {$9900.00} + {$25.00} service charge ) were gone and couldnt trace them to anywhere. A few weeks later Citibank did return the wireless transfer but I am still fighting with them to get the {$1900.00} returned ( The 4 XXXX transfers ). Mind you, the wireless and XXXX transfers were all done at the same time on XXXX/XXXX/2020. They are telling me in 2 letters I received that the XXXX transfers were AUTHORIZED PAYMENTS and will not return the money. I don't understand HOW THEY DON'T SEE THIS? I NEED HELP WITH GETTING MY MONEY RETURNED. I HAVE THE XXXX POLICE WORKING ON THIS CASE # XXXX AND THERE IS CURRENTLY A COURT ORDER IN WITH CITIBANK LEGAL DEPT DATED XX/XX/2020  BY THE XXXX POLICE BUT NOTHING IS MOVING FORWARD. I NEED HELP WITH THIS!! PLEASE. NO BANK SHOULD BE ABLE TO GET AWAY WITH THIS.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Report Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) After reviewing my recent credit report, I have identified the following inquiries that I do to recognize or authorize : Disputed Inquiry : 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 or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX is in violation. XXXXXXXX XXXX  XXXX is a servicer over this aledge collection which is a debt collector trying to collect a debt, and that I owe a debt and they will be collecting from me. XXXXXXXX XXXX XXXXXXXX are ruining my credit worthiness and reputation and deformation of my character. This is extortion and I feel abused and so violated by what this debt collection agency is doing to me. Ive requested that XXXXXXXX XXXX XXXXXXXX send me validation of debt and they sent me verification of statements. XXXXXXXX XXXX XXXXXXXX please provided me with the following : 1. An agreement with your client that grants XXXXXXXX XXXX XXXXXXXX the authority to collect on these alleged debt collections 2. A signed agreement that was made with XXXXXXXX XXXX XXXXXXXX, or verifiable proof that theres a contractual obligation to pay on these alleged debt collections 3. ANY agreement that bears signature agreeing to pay XXXX XXXX  XXXX 4. Proof of how much this debt collections were purchased for 5. ANY and ALL insurance claims made by XXXX XXXX XXXX, or any other creditor regarding this debt collections 6. The Name and Address of the bonding agent for XXXX XXXX  XXXX in case legal actions becomes necessary. XXXX XXXX  XXXX has 15 business days from todays date XX/XX/year> to provide me with these XXXX request via postal mail. XXXX XXXX  XXXX claims can not and will not be considered if the above request is not fulfilled. This an another validation pursuant to the Fair Debt Collection Practice Act.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
List of 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 15 usc 1681 section 602 A states I have right to privacy 15 usc 1681 section 604 A a consumer reporting agency can not furnish a account with out my written instructions 15 usc 1681c ( a ) ( 5 ) section states no consumer may make any consumer reporting containing any of the following information any other adverse items of information other than records of conviction of crimes no more then 7 years 15 usc 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate Fair resolution is : Delete the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion intermediate holding inc
Product: Credit reporting or other personal consumer reports

Company is reporting late payments on my credit report. Which is in violation of my rights. This is negatively impacting my credit score I am unable to purchase a home because of this. I need the late payments removed from my credit profile asap.
Product: Credit reporting or other personal consumer reports

Today made a settlement payment in the amount of {$350.00} to Portfolio Recovery Associates account # XXXX. This settlement payment was made in exchange for deletion of all credit reporting agencies. I should not have to wait 30 days for account to get deleted off the credit reporting agencies database. Attached is receipt that payment was received by Portfolio Recovery Associates
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Product: Debt collection

Debt Recovery Solutions ( XXXX ) XXXX has not only contacted numerous family members but has also contacted my employer. They have no legality to pursue this debt. This was handled with the original creditor XXXX 5 years ago.
Product: Checking or savings account

On XXXX my 2nd XXXX  was stolen from my house and it is exactly identical to my main XXXX with all my information and cards etc inside the phone.. I had a guy over that I was newly getting to know well he must of obviously been watching me I put my code in my phone when we was selecting music to play off my XXXX and I didn't realize my XXXX XXXX was snatched until I saw charges for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX on my moneylion roar account on the XXXX of XXXX and XXXX of XXXX is when the fraud happened. When I noticed that I went and looked and couldnt find my other XXXX it was gone. Also neither did the company ( money lion ) fraud system didn't tag the big purchase amounts as alarming and never even blocked my card when these transactions happened allowing a company to just take what it wants with no detection of fraud alerts or even blocking my card to verify if it's me making the transactions .So I put my XXXX XXXX in lost mode so nobody could use if anymore I contacted money lion to cancel my card. And to dispute the charges. I informed them I had done business back in XXXX with this merchant but no longer have I conducted any more transactions with them... I told them what happened submitted a police report/ emails to the merchant telling me my XXXX XXXX was used to purchase these transactions that's when I knew who did it and they had my phone. I contacted XXXX asking them if there was any other protocol I hadn't done to further protect ny account. It seems I had it all put together in the order I did it. There was also transactions fraudulently on my XXXX money account from the same merchant XXXX XXXX XXXX XXXX went ahead and credited me and final credited me admitting there was a error to the transactions. I sent this to money lion THE OTHER BANKS DESCISION and they did nothing with all that information and didn't credit me back the fraud and held me liable for the charges. This company is the worst and they need to be corrected. I'm not liable for fraud. And I'm not going to sit here and do nothing which is why I'm contacting you. I need your help in resolving this issue
Product: Vehicle loan or lease

To whom it may concern : In response to the previous complaint, on XX/XX/2022, I sat there and heard the guy at XXXX XXXX ( XXXX ) and ask how much was owed on the vehicle, and XXXX paid the entire balance they were told I owed. I can't understand how a reversed payment would take XXXX days to show up on your end, which I don't see anywhere on my bank statements where it says anything about a payment reversal. So I will not be paying this again, but what I will be doing is I will be filing a complaint with the XXXX, FTC, and smart claims court, and if I don't get the resolution that I'm seeking, I will be going to the attorney general office. 
Thank You, XXXX XXXX
Product: Credit card

On XXXX/XXXX/16 I went to XXXX XXXX to purchase an ink cartridge. I used my credit card and XXXX XXXX billed me {$76.00} cents. Approximately 30 minutes later I returned the item, the same day, because my husband has a XXXX XXXX card and we decided to use it. XXXX XXXX gave me a refund receipt showing the item returned and monies refunded to the card. Capital One, the owner of the credit card I initially used sent me a bill in XXXX 2016, stating I was billed a second time by XXXX XXXX and must pay {$76.00}. I told them I did not purchase the item with their card a second time and that I will be contacting XXXX XXXX. I went back to XXXX XXXX and they were able to run the Capital One card and saw that they did not charge me a second time for the ink cartridge. They gave me duplicate receipts of the purchase and return/refund on XXXX/XXXX/16 and I sent copies to Capital One to show as proof that I never purchased the item a second time and that it was returned and the card was refunded. Capital One sent me a letter stating that the receipts were not enough and they are still going to charge me and the case is closed. They continue to bill my account this erroneous charge and fail to show any proof of a second charge from their end. At least XXXX XXXX was able to run the card and see that they did not charge a second time. I have sent letters to Capital One including their corporate headquarters and they refuse to remove the charge from my statement. I am a simple XXXX employee and {$76.00} means a lot to me and I can not afford to pay for something that I did not purchase and they refuse to do anything to remove the charge, even though XXXX XXXX insist they did not charge my card and I could see from their report they did not. Thank you for your assistance in this matter. Kind regards.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Several listed accounts have reporting errors, including inaccurate amounts and dates.
Product: Debt collection

Receivables Performance is trying to collect a debt that does not belong to. 

Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please provide a complete account history, including any charges added for collection activity. 
Please evidence proof of the alleged debt, including the alleged contract or other instrument.
Product: Mortgage

I was the loan originator working for Princeton Mortgage and tasked with financing a mortgage for a client in XXXX Texas which closed XXXXXXXX XXXXXX/XX/XXXX. We were able to utilize the down payment assistance program through XXXX with a 3 year deferred 2nd lien on the property. Princeton Mortgage was not familiar with the way XXXX operated and this was their first time utilizing the newly onboarded program. I was one of the first employees originating loans in Texas for the company and had been originating files through XXXX for the last 6 years. The entire transaction was a nightmare with constant delays and changes made to the loan profile throughout the process. I tried my best to establish a solid line of communication with the management, underwriting, and processing teams. This way I could help educate them the proper way to set up the file ensuring an accurate closing process. 

Princeton Mortgage failed to resell the loan properly on the secondary market. This would force Princeton Mortgage Corporation to buy the paper and service the mortgage themselves. In the meantime the processing/ underwriting manager ( XXXX XXXX ) ran a unauthorized VOE on the loan applicant again after the closing. This VOE came back inaccurate showing the borrower left the job on the closing date. 

While I was still employed with Princeton I refused to allow them to make falsified changes to the loan application which could help them recall the mortgage freeing up much needed operating funds. I even caught Princetons Manager and the employers business owner colluding to back date the termination for both of their monetary gains. Upon my unwarranted and just termination, Princeton recalled the mortgage under false pretenses and forced the client to refinance the home within the first year after purchase, giving up all of the down payment assistance incentives he received with me. 

Loan # : XXXX & XXXX Loan Type : XXXX XXXX XXXX YR DEFERRED 2nd LIEN CLOSED : XX/XX/XXXXXXXX  Loan Transferred XX/XX/XXXXXXXX  Company Contact : First : - XX/XX/XXXXXXXX  ( Provided a signed and dated letter showing XXXX XXXX XXXX XXXX and the borrower separated on XX/XX/XXXXXXXX  ). 

Second : - XX/XX/XXXX ( Was not able to maintain records from this date. However I have copies of all other communication including a formal report to the HR Dept regarding this file and concerns with other files along with the manager whom were knowingly breaking the law on a daily basis to maintain good standings with the CEO.
Product: Debt collection

This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : TRUEACCORD C ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX {$160.00} Date Opened : XX/XX/2024 Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
Ceaseanddesistasap
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA my credit report is supposed to be fair and equitable. The XXXX CRA 's are reporting negative and inccurate accounts on my report > None of the reports match and they all should if the information was correct. Nothing is supposed to be furnished on my credit report without my consent.15 usc 1681b. And according to the XXXX XXXX the only way you can pay a debt is with silver and gold, and since there is no silver and gold. XXXX XXXX is the worst in accuracy. 15usc1681e ( b ) 15usc1681a ( 2 ) ( B ).
Product: Credit reporting or other personal consumer reports

I am disputing unvalidated late payments on my credit report. Despite my written dispute over XXXX  days ago, you have failed to respond or provide the required validation, violating the Fair Credit Reporting Act. You must immediately remove these disputed late payments from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an old account with the bureaus. There is an account with XXXX XXXX for which I requested the payment history directly from the company and they have yet to respond to me. That was XX/XX/2020 and yet they supposedly respond to the bureaus. Experian is showing that they validated the information however how can an account be 90 days late without ever being 60 or 30 days delinquent? That is just common sense!
Product: Credit card

I applied for credit on XX/XX/year> and was denied. I called the reconsideration line and informed them of the following : In the indentured agreement it states The Security Interest in the Collateral is granted to secure the Note Their definition of Collateral All accounts, instruments, documents etc. ( Our application with signature is the Collateral ). 
I have then requested this matter is resolved by providing me with open end credit which they have declined to do so. 

I then informed American Express of the following : I, the consumer and natural person, was denied credit by American Express when I applied for an American Express XXXX Card. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Express due to the response I received. 

American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express If American Express fails to make any reasonable procedures and to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally express my concerns regarding multiple discrepancies in my credit report. These issues include incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.