23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Past 7 years and was already removed from credit report and now has been added back to credit report with incorrect dates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them regarding inquiries that were not authorized. Transunion is not willing to verify and provide proof of these inquiries. I have contacted the creditors for each and they all have told me to contact Transunion. Also, this is the same process I had to follow with XXXX  and XXXX. Please fix this, the inquiries are listed below : XXXX XXXX XXXX XX/XX/XXXX, XXXX... 



XXXX XXXX XXXX XX/XX/XXXX, XXXX... 


XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX... 


XXXX XXXX XXXX, XXXX... 


XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX... 

XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX... 

XXXX XXXX XXXX  XX/XX/XXXX, XXXX... 

XXXX XXXX XX/XX/XXXX, XXXX... 

XXXX XXXX XXXX XX/XX/XXXX, XXXX... 

XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I recently checked my credit report and noticed a collection agency Congress Collection has reported on XX/XX/XXXX and recently updated XX/XX/XXXX on my credit report that i owe {$170.00} dollars. Upon my own investigation of this company because i have no knowledge of this debt, I found that they are not even licenced to collect in the state of Arizona. This negative account is impacting my credit worthiness as well as my scored and i would like it removed immediately.
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX, it seems necessary to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? The presence of inaccuracies among the listed accounts is unsettling for me.
Product: Credit reporting or other personal consumer reports

Accounts with capital one is showing accounts is closed and charge off. While account is charge off and closed, capital one is still reporting a balance of {$790.00} of an intital {$400.00} debt, and second account reporting {$510.00} of {$300.00} credit limit. 
I demand the account to be closed at a zero balance since that account is charge off.

Due to possible inaccuracies in the these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with knowledge of the debt, who can testify that the debt incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Payday loan, title loan, or personal loan

I received a " pre-selected '' loan amount from Avant providing a web address to go to for a loan approval amount that WOULD NOT require a hard credit inquiry. Their website stated I was approved for {$3700.00} ( I had asked for $ {$3500.00} ) and provided a loan doc for electronic signature subject to credit verification and asked for a bank account number for a next day direct deposit and for eft monthly repayment. I approved and signed the doc and a hard inquiry was made. I was then asked for two years of tax returns after the inquiry was made. Not wishing to provide two years of business and personal multipage tax returns ( I'm self employed but also have business partners ) I cancelled the loan application but am stuck with a hard inquiry. I feel this is a deceptive process. If they were to provide all possible requirements PRIOR TO FALSELY PROVIDING AN APPROVED LOAN DOC FOR SIGNATURE this would have avoided my having a ding on my credit report for the inquiry. 

The company in question is : Avant XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these companies to run my credit profile. I would like for a thorough investigation to be open.
Product: Debt collection

I have requested verification and validation of debt several times and this company refuses to provide to me. I do not know what this debt is and when I contact the company they can not locate my account with my SSN yet still continue to report this on my credit.
Product: Debt collection

Collection Consultants is attempting to collect for a medical bill that does not belong to me. As part of my job working for the County of XXXX XXXX in the XXXX XXXX XXXX I am required to take minor children for medical attention. They are not my children and I have no legal responsibility for them whil they are in the care of the state. I have called Collection Consultants and explained that I am not responsible for these minor children and asked them to VALIDATE the debt they are attempting to collect. They have ignored every request for validation and yet continue to report this to the major bureaus despite my disputes. They focus ONLY on collecting and make no effort to actually determine if the debt is really mine. This is in direct conflict with the Fair Debt Collection Practices Act XXXX Federal and State of California ).
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : 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: Money transfer, virtual currency, or money service

I had school money transferred into my venmo account, I used the debit card linked to my account for XXXX, XXXX wallet, shopping with tap to pay, etc. After working previously in the evening my card was declined due to security reasons at XXXX. I tried to purchase a gift card via XXXX with my debit card since XXXX doesn't offer tap to pay and my account was then suspended. I was sent an email to verify my account with a photo of my ID. I did that even though my account was previously verified. I then received an email with no explanation stating my account would be deactivated and my funds of over {$1000.00} would be held for 180 days due to account activity. This leaves me with absolutely no way to survive now since that was my rent money. This is absolutely insane that this company is allowed to do this.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on mycredit report. I received an email from the creditbureau stating that they are assuming thedisputes are coming from a 3rd party. They in factdid not come from a 3rd party. l even called themto verify it was me and they still refused toprocess my disputes. I wasted money on mailingmy disputes out. I sent personal information toverify my identity through mail, just for them to notthoroughly investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the three credit Equifax, XXXX, XXXX. I talk to them around XX/XX/XXXX-XX/XX/XXXX ..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

HL Collections has violated my rights. I did not give my consent for them to have or handle my private information and they have made no attempts to contact me or attempted to provide an itemized list of the claimed charges.

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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section A ( 5 ) 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 and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 A ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XX/XX/XXXX, I called Exeter Finance and asked for a breakdown of how much the car was sold for, other charges ( interest, storage, cost to pick up ) to be mailed to me. I specifically asked for an Intent to Sale form and a 1099c. They told me that they would mail a 1099c but did not have nor do or use a 1099c and could not provide that to me. I asked them how much I owed and they gave me a total of {$10000.00}. They then told me that I owed the debt to XXXX and not them and to call XXXX XXXX set up a payment system. When I called XXXX they told me that my balance was {$7800.00}. Today, on XX/XX/XXXX, I still have not received an Intent to Sale form in the mail. I called them today for an update and asked why XXXX said I only owed the {$7000.00} but they are charging me {$10000.00}. She stated that the car sold for {$6300.00} and I was charged for other things such as the preparing for auction, the cost of the car, late fees and the cost to pick the car up. I am not sure who I would pay the other {$3000.00} to if XXXX is only charging me for what is the remaining balance on the car. She noted that she sent me a breakdown of the costs on XXXX of XX/XX/XXXX but they sent it to the wrong address and I never received it. I requested another breakdown of everything I was charged for that she listed plus any other charges. I would like them to send me a complete breakdown of all the charges to ensure I am paying an accurate amount and not being held responsible for something I should not be. This is the second time I have had to request this form and would like to resolve this debt.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX| identified a discrepancy with account listed under JP Morgan and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXXXXXX  and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXXXXXX  there have been no updates and account is still reflecting on the report. I do not belleve the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Vehicle loan or lease

In XX/XX/XXXX, my XXXX XXXX XXXX auto loan ( account # XXXX ), was assigned to Wells Fargo Dealer Services ( WFDS ). In the following months, I received a request for ; and a declaration of, Collateral Protection Insurance ( CPI ). I did not give consent. 

In XXXX, the vehicle was repossessed ; although Wells Fargo had received payment. I believe that the payments were not properly applied. 

In XXXX, I received a notice from WFDS that they were reducing my interest rate ; resulting in a {$800.00} credit to my account. 

In XX/XX/XXXX, I received a notice from Wells Fargo waiving an outstanding {$500.00} balance from my account. 

Recently, WFDS settled to re-pay customers that were signed up for CPI without knowledge or consent ( Wells Fargo Collateral Protection Insurance Litigation Case # XXXX ) ; which may explain why I recently received forms from Wells Fargo Auto CPI Payment Program seeking to gather information from my insurance company and agent. As you can tell from my experience ( and those of others ), I have reason to be suspicious of their motives and practices. Instead of receiving a check as one of those affected, I believe that WFDS is attempting to limit the payout of the settlement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Mr. Cooper 's web page does not allow additional payments to be made regularly. In order to make additional principal payments, you need to make your monthly payment. As soon as you make your monthly payment, it updates for the next month payment and then you still can't make additional principal payments because you haven't made your next month payment. I have been making these additional principal payments and this occurs regularly where their website stops the additional principal payments. 

It's a loop and now it's not allowing the additional principal payments to be made - that is not acceptable since early payoff is allowed. I just made XXXX payment and have a current additional principal payment scheduled in XXXX - I would like to schedule the XXXX additional principal payment but it's not available and their calendar only goes 30 days, so you have to reach a certain date to schedule another month payment. You can't do that if you can't they refuse to allow the option to be available. 

In addition to not allowing the paydown of the mortgage principle, the escrow team can not do basic math and get my escrow correct. I've asked, I've called, I've provided them the data and yet they still can't get the math correct. I'm at this point going to wait until XXXX when they realize they can't do math and raise my escrow accordingly. I am not exempt from all the taxes and still owe ~ {$650.00} a year- they included {$0.00} for the taxes. This is the worst mortgage company I wish I never had. I'm trying to pay it off but their site makes it so difficult.
Product: Money transfer, virtual currency, or money service

Every time i disputed an transaction it was automatically declined and i never talked to a live operator ; over {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in unauthorized inquiries appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the inquiries listed below be immediately blocked and permanently deleted from my credit report. 
Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Select portfolio has Not attempted to collect they SUBMITTED A PAYOFF STATEMENT and COLLECTED {$250000.00} I DID NOT OWE.the money was returned to the title company at least twice. However without a release of the lien associated with the payoff statement it was sent back to select portfolio. In reviewing the payment history. I received XX/XX/2020. There is NO BALANCE. THIS LOAN WAS ALREADY PAID. SELECT PORTFOLIO NEEDS TO RETURN MY PROCEEDS WITH INSTRUCTIONS to release the funds to me.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX if 2024, my card was stolen by a merchant in XXXX XXXX at a gas station. I noticed multiple unauthorized transactions on my account for goods and services I did not purchase, mostly beginning with the code XXXX XXXX. I called my banking institution to have the card canceled and replaced and reported all of the charges as fraudulent. Two separate claims were made on my behalf. One of those claims was approved and the other was denied inaccurately. I attempted to rectify the problem with the bank directly, but they continued to provide the same generic response that the charges were determined to be valid based on their investigation. The charges are not valid as I did not present my card for those transactions nor do I have any of the goods or services in my possession. After multiple attempts to rectify the situation with the bank, I researched the situation online and found that my specific issue was not unique but has been occurring to multiple customers of different banks, some of whom have never lost possession of their physical card. Instead it was cloned by a machine. The bank did not take this information into account when determining the legitimacy of my claim. I attempted to go through a different department called card dispute, but was never directed to this department, which is the likely reason my claim is still denied. This is frustrating for customers who lose their hard earned money and receive no assistance from their banking institution.