23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer Report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not informations related to any transaction by me as the consumer.
Product: Debt collection

This the RE : Account # XXXX this has been on my reports and would like this to be removed because it just not been validated correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to remove Credit Acceptance collection from my credit report for over a year. I totaled my car XX/XX/2021 and it was written off before Credit Acceptance bought my loan and added {$5300.00} to the original amount. Credit Acceptance continues to try to collect the debt from me for {$5300.00} and ithey keep reporting this going on 150 days. My original loan was for {$15000.00} and only after my lloan was sold did an extra XXXX  was added. And I just saw the news article on your website that Credit Acceptance is being sued in NY because they are doing it to majority of their customers
Product: Mortgage

I initially did an application for a loan in XX/XX/2022. With Simmons Bank on XXXX XXXX, in XXXX, TN. I did everything she asked I was patient when she told me i should wait to file my Tax Return. After I filed my returns and we were moving forward, every week there were something different I needed to submit. She would never return calls, it was always a text, i would wait days for a return call. Finally we were at the point of getting ready to be looking for a house and she called me and told me there were no grants/funds available at their bank to offer clients for closing. I looked on their website and they have over XXXX XXXX dollars in grants. I was appalled because XXXX XXXX XXXX knows how important it is for me to purchase a home. I stressed to her the entire time I was working with her how ; I had my brother that got killed in a collision, made a promise to him to purchase a home.. I feel like a failure and I wasted six long months of my life to be lied to.
Product: Mortgage

Mortgage servicing is being transferred from Gregory Funding ( Account. XXXX ) to XXXXXXXX XXXX XXXXXXXX effective XX/XX/XXXX. XXXX dated XX/XX/XXXX advised me of this. As of today, I do not have an account number from XXXX, so I can not make my XX/XX/XXXX mortgage payment as scheduled. XXXX will not answer my calls because I do not have an account number ; Gregory Funding tells me to be patient. 

I have just come out of bankruptcy and I do not want my first mortgage payment to be reported late to the credit bureaus. Gregory Funding tells me they dont report to the credit bureaus, which makes sense, but XXXX surely DOES. As you can see, Im stuck between two companies with virtually no communication and no way to do the right thing. 

Id sincerely appreciate your help and guidance. Thank you.
Product: Checking or savings account

I withdrew XXXX $ from an international ATM which was a Chase bank ATM. The transaction went through, and the amount was deducted from my XXXX account which is a XXXX XX/XX/XXXX, but the ATM did not dispense the cash. It only printed a receipt with an error. My bank advised me to file a dispute since the card was XXXX, but the ATM was from Chase but chase claimed that the money was dispensed and their records state that even though the atm gave me a receipt which confirms that the money was taken out of my account but cash was never dispensed. It all happened at XXXXXX/XX/XXXX XXXX.2025 ( PST ).
Product: Vehicle loan or lease

RE : DEFAULT IN DISHONOR/BILLING ERROR regarding vehicle with vin # XXXX Ive been made aware of my federally protected consumer rights as holder in due course and realized several violations and billing errors. I have asserted my rights to reclaim all possessions. 

On XX/XX/XXXX, Nissan Motor Acceptance Company/Infiniti Financial Services , received and signed for my Affidavit In Fact as well as my present of payment to offset the billing for this account in accordance with 12 U.S.C. 411, 18 U.S.C. 8, and 12 U.S.C. HJR-192 ( 1933 ). 

As of XX/XX/XXXX, my affidavit has not been rebutted and the negotiable instrument ( pursuant to UCC 3-104 ) has not been returned. Pursuant to federal law, an unrebutted affidavit stands as truth in commerce and refusal to accept or acknowledge a tender of payment or return said presentment is default in dishonor pursuant to Florida Code 673.5031 - NOTICE OF DISHONOR and Florida Code 673.5011- PRESENTMENT - On XX/XX/XXXX, I received an attempt to collect a debt and a threat to repossess my vehicle for failure of payment. This is a violation pursuant to 15 U.S. Code 1692e. False or misleading representations ; ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I was a victim of fraud with the Bank of America Edd XXXX debit card. On Monday XX/XX/2023 when my benefit payment went through somehow my debit card was duplicated along with my pin number and my account was emptied from an ATM. I called Bof A and reported it immediately. I waited 9 days for them to complete their " investigation '' with no possible way to get any kind of access to my funds. I was told a new card was sent a week prior and that I should have received it by now. I never received anything so I asked them to please send me another card in hopes to prevent further fraud. On Tuesday XX/XX/XXXX ( 15 days later ) I finally receive the new card. I activate it and head to an ATM to finally pull out some cash only to be declined. I call answer all of my security questions and still I am denied access to my unemployment insurance. So ultimately what I have gathered is that Bank of America will hand your money right over to criminals but refuse to give the Unemployment " insurance '' funds to who it belongs to.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

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

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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Equifax and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Equifax so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I contacted the bank and they agreed to remove the account from my file. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE this account that caused me so much trauma. 

XXXX XXXX XXXXXXXX
Product: Debt collection

Creditor masked -- misrepresented -- its phone number by using my home phone number and XXXX disconnected phone numbers formerly associated with me to dial my cell phone number. I would not have called my cell from my home phone and could not have done so since I was at the VA medical center when the call came in. There were no other people in my home who could have made the call, and my home phone 's " redial '' log does not show the call to my cell.
Product: Debt collection

This complaint is directly related to a prior complaint Submitted to the CFPB on XX/XX/XXXX. The direct link to that complaint, which was resolved and now closed is https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX I have recently been contacted again by another debt collection agency named I.C. Systems for the same Account with XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX is continuing to initiate fraudulent claims via debt collection for monies that are not owed to them. The bill in questions was paid on XX/XX/XXXX in the amount of {$150.00}. 

I spoke to I.C. Systems on a recorded line twice today ( XX/XX/XXXX ) about the issue and they refused to provide an email address where I could send proof of payment to resolve the claimed issue. I.C. Systems instead proceeded to collect the debt even after I clearly explained that I had previously resolved the issue by making a final payment to XXXX XXXX XXXX and also via my initial complaint against XXXX XXXX the first debt collector. XXXX XXXX confirmed via their response back to my complaint # XXXX. They stated : " Thank you for your submission. The account in question was placed with XXXX XXXX and was recalled by the client XXXX. '' The client here is XXXX XXXX XXXX XXXX. They have now commenced another debt collection against XXXX XXXX XXXX via I.C. Systems for the same account number and amount. I personally spoke with two representatives of I.C. Systems to ask them to cease with the debt collection because their actions are complicit with XXXX XXXX XXXX XXXX who is not entitled to any monies, they are claiming is owed to them. XXXX XXXX XXXX paid the debt on XX/XX/XXXX as shown on the attached receipt we have included along with a copy of the debt collection notice from I.C. Systems. This is the second debt collector regarding this matter.

XXXX XXXX XXXX is continuing to be harassed by the continued debt collection notices and actions of XXXX XXXX XXXX XXXX through the I.C. Systems debt collection agency. Both are complicit in their actions, against XXXX XXXX  XXXX and it needs to stop. 

Every day that this issue is unresolved is timely and costly to XXXX XXXX XXXXXXXX and we wish this fraudulent claim to be put to rest for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried freezing my credit on XXXX17 at Equifax, XXXX, and XXXX  and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!
Product: Credit reporting or other personal consumer reports

I paid a charged off account in full equaling {$160.00} on XXXX XXXX XXXX  I disputed it via XXXX and XXXX. I received a reply to my dispute stating I did not pay however I have receipts and if is also verified through online account.
Product: Credit reporting or other personal consumer reports

I received information that stated Bankruptcy was verified but did not show how and to whom it was verified and based on 15 U.S.codes 1681 A and 15 U.S. codes 1681B I am supposed to receive this information I also received a Letter from the courts that states Bankruptcy and clerk of courts and record of deed do not do third-party verification So how again was this verified please remove immediatley
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft in the past. My information has been compromised due to a data breach. These accounts DO NOT belong to me. I'm alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal information to apply for goods services or money and was successful in creating fraudulent accounts. I have no knowledge of this, its hurting my chances at getting a home loan.I have disputed accounts in the Past with all 3 Credit Bureaus and the fraudulent Accounts are still on my report with no documentation evidence from the investigation that was made. A investigative report should be done by personal interviews and all 3 Credit Bureaus FAILED to accurately investigate, I need these inaccurate and unauthorized accounts removed from my report IMMEDIATELY because it is hurting my chances with getting a mortgage, which is helping to ruin the banking system which in turn is ruining the economy.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following dates XX/XX/23 & XX/XX/23. I'm now requesting you investigate the XXXX XXXX  XXXX XXXX  account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reviewing my credit report and it shows a collection agency that I do not owe. The creditor is XXXX XXXX, Open date X/XX/17 for {$1700.00}. I received phone calls probably a year ago which would correspond with this date that I owed a balance with an old credit card. I verified the account they were speaking of and told them that I had in fact paid this debt off and they wanted me to send them proof because they did n't have proof. I did not feel comfortable doing so and the phone calls stopped. Now I am noticing this on my credit score.
Product: Debt collection

On   XXXX   XXXX    2017,  I received a letter of Notice dated   XXXX   XXXX    2017, in th e mail allegedly from TRS Recovery Servic es   XXXX   XXXX  .  Notice is titled " Notice of Unpaid Electronic Transfer '' and is attempting to collect a debt of {$450.00}. The details contained in the notice are : Orig. Creditor :  XXXX   XXXX  Current Creditor   : Telecheck Services ,  XXXX  .   Principal Amount : {$450.00} Total Amount Due : {$450.00} Date Written :   XXXX   XXXX    2017 Ch eck Number :  XXXX  Returned : Stop Payment Reference # :  XXXX  I have never purchased a  XXXX  nor have I ever visited  XXXX   (  much less purchased anything from there ) nor has my wife or any member of my family.   On   XXXX   XXXX    2017 ( the   same day I rec eived the notice ), I contacted the Office of the Attorney General of Texas. An employee advised me that (  1 ) TRS R ecovery Services    XXXX   XXXX  . i s a registere d 3rd   party debt c ollector , ( 2 ) they  are a subsidiary of  Telecheck Services, ( 3 ) their fi le number is  XXXX ,  ( 4 )  their Bond Number is  XXXX  ( issued by  XXXX   XXXX   Company of Maryland ).   S he also recommended that I order copies of my credit reports from  XXXX .   I reviewed the credit reports that I received and there were no disparaging remarks of any kind.   On   XXXX   XXXX    2017, we  also contacted  XXXX   ( a t  XXXX  ) where I spoke to a representative who identified herself as  XXXX . I provided  XXXX  with the information from the notice ( I.E. , EFT Ch eck Number and Reference # ).  XXXX  said that this information didnt seem to relate to any information in the systems that she had access to and could not identify them.   Since the notice dated  XXXX   XXXX ,    2017 f or a check allegedly written on  XXXX   XXXX ,    2017, I  posed a hypothetical question to  XXXX  : If somebody wrote a check and it was returned for a stop payment, would  XXXX  turn it over to debt collector after ju st one  week?  XXXX  response was unequivocal :  XXXX  Must wai t 90  days.   In researching  XXXX / XXXX /Telecheck Services,   XXXX . online , I have  found many complaints on  XXXX ,  Better Business Bureaus   XXXX ,  XXXX , and other sites. Further, I saw that  Telecheck Services   XXXX   XXXX  . was a defendant in a recently settled class action law suit as well as settling an FCRA case initiated by the F TC.   On   XXXX   XXXX    2017, I rece ived another notice from TRS Recovery Service s ,  XXXX . Thi s notice, dated    XXXX   XXXX     2017,  is titles NOTICE > > > IS FURTHER ACTION NECESSARY. The details in the second notice are the same as in the first notice. Further, this notice is first requesting that payment in full be made by cashiers check or money order. In the very next paragraph, it says that I may also pay online by  Visa   or MasterCard at ww  w.firstdata.com/trs.    Given all of the above, I believe and feel that TRS Recovery Services  ,  XXXX . is  attempting a fraudulent act. Therefore, I did not contact TRS Recovery Servi ces   XXXX   XXXX  .  directly. Instead, I am initiating this complain.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID AUTHORIZE THESE HARD INQUIRES XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ) XXXX XXXX  XXXX XX/XX/XXXX ( EXPERIAN ) XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I'm asking Tranusion and XXXX to VALIDATE the " Alleged LAte Payment '' on my account but they never investigated it. Account show as " verified '' since XX/XX/2020 but it's not ACCURATE and there's another error in the PAYMENT HISTORY that was never VALIDATED VERIFIED or INVESTIGATED and it hurts my SCORE and rEPORT. 
I've sent at least 12 letters with my personal identifiers since XX/XX/2020 and never got a letter back for the bureaus with results, or the creditor about the account. 
Also Have a PAID COLLECTION on XXXX that still reports BALANCE!!!
Product: Vehicle loan or lease

I asked the fiance company ( XXXX XXXX ) to reset my payment date from the ( XXXX ) to the end of the month when I bought the car ( 2016 XXXX XXXX ) My Job cut my hours to parttime 30 or less a pay period. This has caused my payments to be late if my due date was at the end of the month I can take both paychecks and have my full payment and paid on time but each Rep I talked to refuse to help me out now I three months behind on my not now Im in repo status I love my car and Im going to pay the note. Just need a lil help in doing so.