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

Due to the XXXX data breach/identity theft there are many unauthorized inquiries and accounts on my credit report that need to be removed immediately. What the bureaus are doing to people is terrible. I go to closing in for a new home in 30 days and this is really holding me the XXXX back! This is ridiculous. According to the FCRA laws I know if I filed a FTC report that whatever is unathorized is to be blocked and removed. Now, CFPB please encourage XXXX, XXXX and Transunion to do their part because if i do not receive a response and those things mentioned on my credit report still exists, I will suing all 3 bureaus. 

Please do not tell me that " its not me that authorized this complaint '' because I am attaching my ID, and Social security card. No stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have receipts of everything. FTC report reference number is # XXXX.
Product: Consumer Loan

My daughter asked me to co-sign an auto lease. I was informed that both the dealership, XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX and the leasing company would be doing inquiries on my credit report. I do n't object to the inquiry by the leasing company since I have a contractual relationship with them. There is no similar relationship with the dealer, who is an agent of the leasing company. Consequently, I object to them requiring a copy of my credit report.
Product: Money transfer, virtual currency, or money service

Starting in XX/XX/2022 of last year, someone had been making fraudulent orders on my XXXX Contacts account. Apparently XXXX Contacts did not verify that it was me because the person ordering contacts lives in California. I have never lived in California. I told them that I did make these transactions. They told me that I needed to go through Paypal to get my money back, which I found to be strange when Paypal always tell the customer to settle it with the merchant first. So when I tried to dispute it with Paypal, they immediately closed my case because I have ordered contact from XXXX Contacts in the past, which again does not make sense. Ordering contacts in the past does not give the company the right to charge my account by someone other than me. There a total of 5 unauthorized charges on my account and I am requesting a refund of all of my money. Please see the unauthorized charges below. 
XX/XX/XXXX, XXXX {$180.00} XX/XX/XXXX, XXXX {$330.00} XX/XX/XXXX, XXXX {$350.00} XX/XX/XXXX, XXXX {$350.00} XX/XX/XXXX, XXXX {$350.00}
Product: Credit reporting or other personal consumer reports

I looked at my report to check on the update on my request to remove the inaccurate and fraud information from my credit reports. To my surprise, a new fraud account has been added. Please help me remove this fraud account along with the others from my previous complaint. XXXX - XXXX XXXX  - XXXX - XX/XX/XXXX This is not mine. I am writing to report a case of identity theft and fraudulent hard inquiries that are still showing on my credit report with XXXX and Equifax, despite my efforts to have them removed. I sent out my letter on XX/XX/XXXX. However, to this date ( XX/XX/XXXX ), the fraudulent accounts, information, and hard inquiries have not been removed from my credit report. I have contacted all bureaus multiple times, but their agents have not been able to provide a satisfactory resolution. Each time I call, I receive different answers, and the problem remains unresolved. I have even sent my IDs to them, but they have not listened to my request to remove the hard inquiries. Please remove the fraud accounts and inquiries from my report. Fraud names to be removed : XXXX XXXX, XXXX XXXX. Fraud accounts to be removed : XXXX XXXX XXXX - XX/XX/XXXX. Fraud inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is also inaccurate. Please update the status to 'Never late '. I was never late for this. I have tried my best to be a responsible consumer and parent. This is just unacceptable. Please update. I never authorized for this to report. This is personal and should never even be on my reports. OFFICE OF THE ATTY GENER - XXXX - XX/XX/XXXX, ATTORNEY GENERAL-XXXX  - XXXX - XX/XX/XXXX. I have attached to this request the same FTC report that I sent to them, along with my ID and proof of address. I would appreciate it if you could take immediate action to have these fraudulent inquiries removed from my credit report. XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one Bank accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but have been paid and it should no longer be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit reports XXXX XXXX it has been well over 30 days and I have not received any investigation results.
Product: Payday loan

This payday situation I started has gone out of control as I started with XXXX loan and it perpetuated with XXXX payday loans taking well over 90 % of my take home pay and therefore could not pay my mortgages for over 4 months. All of the payday loans charged me usurious in that they fall quite a bit outside of the the interest rates allowed by law and some even topok money on days I did not get paid and caused so much turbulence to my bank account forcing it to be overdrawn on many occasions collecting insufficient fees along the way to contacting a Payday Loan Consolidation Company. However, this is n't enough to get me back my money. The rates were even up to 1800 % and beyond on one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Removed these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all accounts of XXXX XXXX and all inquiries immediately. 

IM THE CONSUMER PURSUANT TO 15 USC 1692 I don't not owe any debts because I'm to consumer. And I'm not obligated to pay I'm administrator agent pursuant to 15 usc 1602o, I'm the administrative agent I'm not the owner the social security card belongs to the social security administration I have to give it back upon request, so therefore, I'm not the owner. 

I don't own any debt attached to 18 USC 8 will provide that information to you I don't own any debt. 
They never validated any debt. To validate a debt is to assess an action, I'm the only one who can validate a debt and it not mines and it's not yours. 
15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with " neighbors, friends, or associates '' of the consumer reported on or with others with whom he is acquainted or who may have knowledge.

15 USC 1681a ( e ) it stats you have to do personal interviews with neighbors, friends or anyone associated with the consumer which is myself '', they didn't do that!
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. The date of birth is completely wrong. Also there are names on there that are not me. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The names that are incorrect are : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter asking them to reinvestigate these accounts listed below because XXXX and XXXX Acct # XXXX XX/XX/XXXX {$130.00} XXXX  XXXX Acct # XXXX XX/XX/XXXX {$1900.00} XXXX XXXX Acct XXXX XXXX XX/XX/XXXX {$370.00} Dept of EDXXXX XXXX XX/XX/XXXX {$3200.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$6900.00} XX/XX/XXXX {$4500.00} XX/XX/XXXX {$5400.00} XX/XX/XXXX {$5500.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX {$3100.00} XX/XX/XXXX {$9200.00} XX/XX/XXXX {$4400.00} XX/XX/XXXX {$3800.00} XXXX Acct # XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX {$660.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$280.00} XXXX XXXX Acct # XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$150.00} XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX {$220.00} XXXXXXXX XXXXReported ( XXXX ) Acct XXXX XXXX XX/XX/XXXX {$80.00}
Product: Credit reporting or other personal consumer reports

According to 605B, this account must be removed promptly. It's making me mad to see it on my credit report when it's not even my account. I strongly request the company to remove it quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Viewed credit report and it shows that XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX am confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX am confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXX XXXX, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX.
Product: Student loan

After Graduating from XXXX University on XX/XX/XXXX, I received a phone call in early XX/XX/XXXX from Great Lakes Financial urgently urging me to transfer all of my Federal Loans over to them. Not quite understanding the need, In trust I follower their recommendation. In the XXXX years that I have been paying on these XXXX loans, I have only paid {$2000.00} in Principal. Starting balance was {$53000.00} to date balance is {$51000.00}. My complaint is that I feel as though I was taken advantage of and see no end to the repayment of these loans. Below are current and previous loan information from my Great Lakes account web site. Please advise how I can improve my situation. 


Consolidation Loans XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX Parent PLUS Loans XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX
Product: Student loan

Sallie Mae mistakenly reported a delinquency on my credit report when the owed amount was paid using their app. According to the app the payment was rejected when funds were available at the time. I have contacted the case manager and this person did not work with me. I have paid the amount, but wanted my credit corrected. She insisted that this was not their fault and needed to check with my bank. 

They do not report calls or let you know in any way that the payment was " missed '' or rejected which was what happened to me. - When they call they do so from unknown numbers and with the amount of scammers around I or anyone I know do not answer any type of calls from an " unknown '' number. The caller ID does not display a number it just shows " unknown '' The amount was paid, but now I have to dispute a negative mark on my credit report. 
the date I called Sallie Mae XX/XX/2020 - The date the payment was rejected XX/XX/2020 for the amount of {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the Fair Credit Reporting Act : These following accounts are violating my consumer rights by reporting wrong information, putting deleted accounts that were removed recently without notifying in 5 buissness days in the past. Lastly my rights to privacy are violated. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) ON XXXX, XXXX, EQUIFAX. WHICH PROVES MY STATEMENT TO BE TRUE. IF ACCURATE THEY SHOULD ALL REFLECT WHICH THEY DONT. 

PLEASE DELETE LISTED ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX ALL OF THESE ACCOUNTS ARE REPORTING DIFFRENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) PLEASE REMOVE 15 USC 1681b Consumer agencies are not allowed to report without my written instruction on my consumer report ) 15 USC 1681 section 602 A. States I the consumer have a right to privacy 15 U.S. Code 1681 ( a ) - Congressional findings and statement of purpose- The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 6821 Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person. 

15 U.S. Code 1681I-Certification of accuracy of information- States that once deleted from my consumer file it has to be reinserted unless i am informed no later than 5 business days. I HAVE NOT RECIEVED THAT FROM IT BEING REMOVED TWICE OVER THE YEARS. 


I DO NOT WANT A DISPUTE I WANT REMOVAL IMMEDIATELY BECAUSE MY RIGHTS ARE BEING PUSHED TO THE SIDE
Product: Credit reporting or other personal consumer reports

Attached is XXXX XXXX XXXX. Experian has refused to investigate this account and has now blocked all further disputes. Experian has been given dispute information from the CFPB showing account information is to be removed yet will no longer accept information and will not run dispute as requested. This has been an ongoing issue for the last XXXX months as Experian will block disputes or rush disputes through even when provided with disputing information. Its not proof that Experian is not analyzing any dispute information as previously stated
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit reporting act ( 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 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions also a FTC report was sent to remove this account.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firms.
Product: Mortgage

Section One : FALSE OVERDUE NOTICES I am making a request for your office to determine why I am receiving letters stating that my mortgage payment is overdue and I am now being charged a late fee? 
Attached is an affidavit from my bank showing that all my payments from the past have been received and posted prior to the XXXX of the month since XXXX XXXX. 
2. Please find out what are my monthly payments? I have been sent a notice of {$950.00}, {$660.00}, and now {$740.00}. I would like to see the math on all of the above figures. How did my loan go from {$790.00} to {$950.00}? I would like to see the math. 
After a refinance in XXXX of XXXX, I have been making payments of XXXX. This is an FHA loan and includes principle, interests and hazard insurance. I have a 100 % tax abatement given to me by XXXX Country for persons who are XXXX and over and beneath a certain income since XXXX. 
3. I have also been sent a statement for late payments for the previous month for {$1500.00}. How was this tabulated? 



Section Two : ESCROW ACCOUNT/UNAPPLIED FUNDS 1. I finally found out last month there was some type of unapplied funds of XXXX. Why are these in an unapplied fund bucket? Where did the {$220.00} go of the XXXX? I have never made a partial payment. What check number was this? Please ask them to provide the check number ( see bank report for check numbers and payment ). I have never paid a partial payment. Please ask them to provide the check number and why money is missing.
Product: Debt collection

This was a medical bill to XXXX XXXX XXXX XXXX for the amount of {$380.00} on XX/XX/2016 insurance paid {$72.00} and left me with a debt of {$310.00} which insurance paid it directly to the hospita after it was appealedl. They XXXX XXXX XXXX Attempts to collect this debt again on behalf of another agency XXXX XXXX XXXX XXXX XXXX and are asking me for a proof I do not have the receipt, even the hospital now has a different name which is a XXXX XXXX XXXX XXXX XXXX. I spoke to a lawyer, and he told me that this dept should not be in a collection agency. They also opened an account with a debit to decrees my credit score, which is the least thing I would care about because I already own two houses. My opinion is that this agency is trying to collect this money for themselves, and this is my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several notifications about for a hard inquiries on my credit report which to the best of my knowledge was not initiated by me. I did however contact these companies to resolve this issue and also filed a report for investigation with the credit bureaus but this has gone unsolved. The hard inquiries are still on my credit profile and has made my score go down greatly and I still haven't been heard. Both XXXX and XXXX are reporting inquiries on my file differently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I have been challenging things on my credit. There are items on my report that are not mine. There are duplicate accounts shown for the same erroneous items. I have not received any response from the credit bureaus. It has been 7 months of me trying to get the incorrect items removed. The Dates of my most recent letters are below : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There are 38 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 25 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 22 Inquiries on my Transunion that I have continuously asked to be removed. 

There are 3 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 3 Derogatory Marks on my Transunion that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 4 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

I simply would like the Credit Bureaus to Uphold the law and delete these erroneous accounts from my credit report.
Product: Credit card or prepaid card

Travelled to XXXX from XXXX in XXXX for 5 months Prior to travel called Capital One, as I do for other cards to warn of impending travel and see if any action needed. They assured me nothing. This was a fraudulent assurance. 
Tried to log in in XXXX to pay my account. Was unable to do so.They insisted on Phone verification apparently as a means of obtaining my mobile number. I am unwilling to provide that to any financial institution so had get them to call my XXXX land line and then had daughter relay code. 
Total cost to me approx {$50.00}. XXXX XXXX XXXX  bills available
Product: Credit reporting or other personal consumer reports

I have noticed fraudulent information on my credit report in regards to employers : A ) Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never worked for this companies. Please remove this info from my report. 

Also please update my phone number and email. My current phone number is ( XXXX ) XXXX. My email is XXXX All other information is incorrect and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX
Product: Debt collection

I am in need of help because I have asked this company to stop calling me while I am at work. They repeatedly call when it is inconvenient for me. I feel harassed by this debt collector. Despite me telling them they have not stopped. I have a recording of me telling them it is a bad time to call and a screenshot showing the time they are calling me.

I looked up this law 15 USC 1692 which is the FDCPA and section 1692c ( a ) ( 1 ) it says- at any unusual time or place or a time or place know, or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumers location.

Which means that if I told them not to call because it was not a good time, they should know it's very inconvenient.

They also violated me again under the FDCPA