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

I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C. Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733
Product: Credit reporting

I have sent them " comments '' that they allowed me to send but they do not ask for my email so they obviously will not attend to it because they have no way to reach me. I gave them my SSN twice and I am concerned that they are legitimate. They are annualcreditreport.comthank you.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX  XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$19000.00}
Product: Bank account or service

I had dealings with a XXXX company that had several names, at least XXXX in the United States and XXXX in the XXXX. I requested more information from the XXXX based business called XXXX, but was contacted by the XXXX based business called XXXX which is a subsidiary of XXXX, also XXXX and has also overlapping personnel with the XXXX business called XXXX options. I did business with them for a little over a month from XXXX XXXX, XXXX to the middle of XXXX XXXX. In this short time they swindled me out of over {$40000.00} XXXX. I complained to Wells Fargo Dispute Resolution Center on XXXX XXXX, XXXX and they commenced a chargeback. I was then contacted by the broker from XXXX XXXX who threatened me with legal action if I persisted in the chargeback. I then cancelled all the chargebacks and attempted to resolve the issue with the company. However despite my cancelling the chargebacks, the charge backs proceeded and I then made the decision to let the bank do its work, since these individuals did not stick with the plan that we had just agreed on. The bank then proceeded to get some of the money back from the credit card transactions but then failed to even try to recover the money from the debit card transactions
Product: Debt collection

Simply put ... .This company calls me after XXXX. Tonight, they called me at XXXX XX/XX/2021!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Vehicle loan or lease

On  XXXX   XXXX ,  2016 .   I got a car financed for a cost of  XXXX  $ with a n APR 23.9 9 % to 6 years and they charging for  XXXX  $ on interest to 6 years. I gave  XXXX  $ of down payment for the car, they want me to pay more of interest then the car value and they havent pay anything to capital, and i got to pay  XXXX  $ per month and i pay  XXXX  $ and they dont pay nothing to the capital they accredited it to interest, till now everytime i pay them, they take it to interest only, and i feel thats ilegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Porsche financial services account # : ********XXXX, date open : XXXX, account closed and paid. Back on theXX/XX/XXXX, I sent to the mentioned company a letter to investigate the mentioned account because the bank account from XXXX XXXX, assigned to make payments to Porsche the fraudulent activity therefore my Porsche account incur to 2 late  payments XXXX and XX/XX/XXXX ( time we had fraud incident ), since the fraudulent account assign to make payments was frozen. Checking my reports, I notice that that Porsche a company that I personally appreciate making business with them, didnt even took the decency to mark my account as disputed after they received my dispute notice, they didnt investigate my account required by the Fair Credit Reporting Act, they totally disregarded my complete information sent to them to at least make an investigation. This is negligence, unfair business practice, never received a late payment insertion by mail and once I seat down with my lawyers Ill have half a dozen more violations. I dont want to take this case to court, but if I dont receive a deletion letter from the mentioned company, indicating to remove all negative marks, I will take this case to be decided by a judge. This is my last resource to get Porsches attention regarding my issue. I have a {$800000.00} mortgage pending because this negligence. Im attaching letter sent to company to investigate account, letter provided by bookkeeping company stating the fraud issue, Im attaching a XXXX account bank that indicates I had more than enough money to make the payment when the incident occurred ( all of this was initially sent to them ) and Im also attaching the proof of fax received by Porsche. Thank you!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I went online and expected to get a general payday loan! I was out of work and contacted them to see if they had a hardship program! They stated they did not! Not only that but they informed me my loan was an open end loan, I didnt even know what that was until I gioggled it! I dont want a loan that doesnt end! 

I have made payments to resolve this but am only paying off interest! I honestly didnt realize what I applied for! 

I thought there would be a cap or a end and I would be able to make a payment arrangement to pay off the loan!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I see that XXXX XXXX XXXX XXXX XXXX sent an account to collections that doesn't belong to me, and I believe that I'm a victim of identity theft. They are saying that I had a XXXX XXXX for {$2500.00} that doesn't belong to me. I can prove that this isn't my account because my credit score wasn't high enough to obtain a credit card from XXXX XXXXXXXX in XXXX for an amount that is this high. I've attached a copy of the identity theft report from identitytheft.gov. I also added some pdf 's from the Equifax Credit report saying that this account is on my credit report as of today XX/XX/XXXX even though it should not be. I also added a copy of my U.S. Passport and my social security card in an attempt to prove my identity. I'm going to also mail in a paper copy of this complaint to Equifax to make sure to they receive my complaint about this account that should deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Please remove and delete all fraudulent hard inquires off my credit file from Experian, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

hi, i was a victim of identity theft and some one open credit cards and bank accounts with my information I got a police report and ben disputing this fraudulent accounts with the credit bureaus most of this accounts have ben deleted but a few like this one the bank keep send in it as accurate I don't understand why? the person that open this account hade a diferent address and phone number that mine and that's why I'm disputing it here to finally have this fraudulent account removed from my report. thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complait against Cash App ( BlocK Inc. /XXXX to ir equato ) ustomer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process a XXXXWas unfair anu deceptive, as XXXX XXXX no! comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these actions
Product: Debt collection

Afini IncXXXX Is a debt collector on behalf of XXXX XXXX XXXX XXXX Several attempts were made to said corporation to resolve issue. 
Accordance with the Federal Reporting AcXXXX this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 
15 USC 1681 section 604 ( a ) section 2 - also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) A creditor may not treat a payment on open ended consumer credit plan as late for any purpose. 

Pursuant to 15 USC 1692 ( c ) Cease and Desist from further collection Pursuant to 15 USC 1666 ( b ) Billing Error states- A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT US DEPT ED Balance details XXXX XXXX paid off Balance {$4.00} Balance updated XX/XX/XXXX Original balance {$4.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX  Open/closed Open Date opened XX/XX/XXXX Account type Open account Payment summary XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance XXXX XXXX Monthly payment - 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone stole my personal identification information and opened fraudulent accounts. They are : XXXX XXXX XXXX XXXX and XXXX XXXX. I filed a police report with XXXX Police Department ( police report no : XXXX ) and sent that document to XXXX, XXXX, and Equifax asking to block and removed these fraudulent accounts. XXXX and XXXX blocked the fraudulent accounts, but Equifax refuse to block fraudulent account. I called to Equifax fraud department many times and no one could help me to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I greatly appreciate the Credit Bureaus ' efforts to remove some of the information from my Credit File that resulted due to Identity Theft and I am grateful for what they have done. however I see here that there are still remaining items in which I believe were also opened due to Identity Theft. According to the Fair Credit Reporting Act section 605b, the Credit reporting agencies are required to remove any accounts and information that resulted due to identity theft. The following items must also be removed as they too are the result of the Theft of my Identity : 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 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX XXXX  XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX XXXXnquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX. I am, once again, appealing to the Credit Bureaus to take another look at my Credit File and investigate whether the reported items are factual and remove these items if unable to prove.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below do not belong to me. They must be removed immediately. I asked the credit bureaus to furnish proof, provide my signature on any of these loans and they still have not. By continuing to report this they are arresting my ability to maintain employment and conduct commerce. I will file a lawsuit if they do not remove these items IMMEDIATELY! 
XXXX XXXX  XXXX XXXX XXXX - Balance : {$91.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$53000.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$3600.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX - Balance : {$1300.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX XXXX - Balance : {$1600.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  - Balance : {$100.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$5000.00} Date Opened : XX/XX/XXXX ; XXXX - Balance : {$250.00} Date Opened : XX/XX/XXXX ; XXXX XXXX - Balance : {$1100.00} Date Opened : XX/XX/XXXX ; Chapter XXXX Bankruptcy - REMOVE IMMEDIATELY Date Opened : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I just got off the phone with the with Equifax in regards to XXXX and they bold faced lied to me saying i did not submit my id and that's proof of their conspiracy to commit fraud by keeping negative information to later profit from interest rates that lenders make off lower credit scores of individuals, defer the issue back on to the consumer to avoid complying with the law and is further harming me with the intent to harm i demand them be fined and ignoring the judges orders from the lawsuit they just lost for this same behavior
Product: Credit reporting

I had a XXXX XXXX account though XXXX Bank that was closed and paid as agreed and paid off. I investigate this account several time though the credit bureaus and they did not remove this account. XXXX Bank send me a email today stating this account was paid in full and never late.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed I have 2 late payments being reported by XXXX XXXX XXXX I called and they were unwilling to reverse the late payments although I have excellent payment history, and I believe this was an oversight on their part. I have never been late with on this account. I notice the late payment was reported in XX/XX/XXXX and XX/XX/XXXX. 

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Based on the information, I am asking for these payments to be removed as a courtesy. 

These late payments are hurting my credit profile, as a customer with on time history, I will like a courtesy to be given in the event of the late payment being reported changed to paid as agreed or current. I know XXXX can provide a courtesy the question is are they willing to provide that courtesy to a customer with a great payment history like me.
Product: Debt collection

Hello, I'm currently in the process of reconciling my credit reports due to facing repeated rejections, and it's become quite a complex issue. According to XXXX XXXX, my XXXX report indicates a XXXX XXXX payment history and no derogatory remarks, despite previously having numerous inaccuracies that I've since resolved. All my marks are positive, and I'm seeing a XXXX score of XXXX, although I'm actively working with XXXX XXXX to address any discrepancies. 

Both XXXX XXXX and XXXX show a valid score of XXXX, with XXXX also reflecting a 100 % payment history and no claims, which aligns accurately with my financial situation. However, upon recently checking Experian, I was surprised to find a score of XXXX, which doesn't match my payment history or lack of collections as seen on XXXX and XXXX. 

Experian requires a payment to update my report to reflect the current year, but I'm hesitant to spend money just to uncover potential errors impacting my life. My concern lies in Experian 's divergence from the truth and the standards set by other accessible agencies like XXXX. I firmly believe that my true credit standing mirrors what's reported by XXXX : a score of XXXX, with no collections and a flawless payment history. 

I'm filing this complaint with Experian in hopes of aligning my credit report with the accuracy reflected by other agencies. Without having to pay for access, I need assurance from XXXX that my credit report accurately reflects my financial standing. I need to have XXXX ensure I have no collections and XXXX XXXX payment history as tha'ts the only truth. I have attached everything i have from XXXX showing no collections, XXXX XXXX payment history and a XXXX, the only reason i'm not XXXX is because of hard inquiries, and i want those removed too because i did XXXX to XXXX and it's probably experian causing false rejections because they are XXXX points off my score and i'm not paying them a dime, for me to find out why my score is low, that's blackmail by definition. Actually that's extortion and no free option is available and contacting them is a cluster