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

I went to innovis 's website and requested a credit report for the first time and they couldn't pull one on me but had enough info to do a fraud alert initially. I am the victim of identity theft scam and fraud and financially vulnerable. I believe I should get a exited fraud alert and a security freeze with them and copy of my credit report for free all done. I am in am also the victim of a violent assaults crime where as to there my address is confidential where as to my residence. the credit beau 's and banks and credit company 's and ssa all have to abide by that state and federal statue. and seal my residence address completely. to and redact it off any credit file or baking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a small loan in XXXX, made perfect payments of XXXX per month, I paid off the loan in XXXX of XXXX, six months later Transunion dropped my score, XXXX did not ; who knows what XXXX has done as they keep themselves hidden from my credit union and XXXX XXXX unless you pay. 
Last monthXXXX of XXXX, 3 years later out of the blue once again Transunion dropped my credit score when I have not touch anything to do with credit since XXXX of XXXX ; XXXX did not. As of today XX/XX/XXXX in viewing my credit score at my credit union and on XXXX I now see that XXXX has followed Transunion and has also dropped my score by XXXX points! 
In these past 3 years I've watched my credit score slowly increase which made me happy in case I need to apply for a loan or credit. 
How can they just drop my score when I've not touched anything that has to do with credit? All bills are always paid on time and I have no outstanding debt to be paid! Nothing touched since XXXX.
Product: Vehicle loan or lease

In XXXX of 2020, I purchased a new vehicle with my husband. At the time, I had one payment left on a XXXX XXXX XXXX. As part of the negotiation, the dealership said they would make the final payment on my XXXX. They did not. Instead, a 30 day late notice was put on my credit report, which really hurt my score. I attempted to file a correction with the credit reporting agencies but it was denied. 
I was told by the dealership they would make the final payment. They did not make the final payment. I tried to get things resolved through the dealership but they would never return my calls. They never attempted to call the agencies themselves and have it fixed.
Product: Mortgage

When we bought our home, we had XXXX, then XXXX  XXXX XXXX, now Ditech We paid our mortgage for many years. When XXXX XXXX became ill we fell behind on our mortgage. Then we were offered a Loan modification and we thought that was really wonderful, but we paid ( 16 ) loan modification trial payments and each time we paid the required trial payments, we had to start over for some reason, such as the offer that was given us had expired and we had to be put into another loan modification offer. We don't know where the payments went or where they were applied. We constantly paid the trials and waited and waited never receiving the final loan modification documents. 

Ditech has not been considerate of any of the situation, they have not been easy to deal with. We have been submitting documents and as soon as we sens what they are asking for there is another request with a very limited time to send it in and when you do get the requests in there are more request waiting for you. We have Social Security Benefits and XXXX XXXX has a job ( salary ) and their son contributes and he has a salary. 
We have sent all of this to them more than once. We certainly would like to know what happened to all of the monies we paid in trial payment to XXXX  XXXX XXXX before they sent us to Ditech who fail to research of help us.
Product: Credit reporting

Looked at my credit report on experian and it is showing XXXX ad 6 months I areas up until XXXX then suddenly in XXXX as up to date. It had always been up to date and I also find it weird how it then suddenly improves to not in arrears over 1 month. I have emailed as I find it very bizarre and is not echoed across my noodle clear score or equivalent report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is a complete joke. And Im saddened that you the CFPB designed to help consumers continually allow them to disregard the laws according to the FCRA. More than three occasions Ive requested that they furnish proof that the accounts Ive been disputing in fact belong to me. They have tried several stall tactics including continuous asking for identification which I supply with each and every dispute. They have failed on more than three occasions to provide proof but instead send copy of my credit report restating the inaccurate information. I have supplied proof that my personal information has been compromised through their data breach and still the accounts remain. The only thing that has transpired is the removal of fraudulent inquiries but the accounts again remain without furnishing proof that these are in fact my accounts. I am tired of these credit reporting agencies getting away with reporting inaccuracies causing financial damage and my credit reputation to be misled by what is being reported. I AM DESPERATELY ASKING YOU ALL TO STOP ALLOWING THEM TO CONTINUE TO EVADE THE LAW AND TO ABIDE BY THE FCRA AND PROVIDE THE PROOF IVE ASKED OR SIMPLY REMOVE THESE ACCOUNTS PERMANENTLY FROM MY CREDIT PROFILE!
Product: Credit reporting or other personal consumer reports

There is inaccuracy in my consumer reports and 15 USC 1681 ( B ) protects me XXXX XXXX XXXX as the consumer, my XXXX report claims I owe XXXX XXXX XXXX XXXX while my Equafax report shows the balance at XXXX paid in full and my XXXX claims another amount this is considered Inaccuracy on my customer report which is also against the law as XXXX XXXX XXXX Terms and Conditions page 33 stated they will not give out or sell my information to Non-Affiliates 3 rd parties. XXXX, Equafax and XXXX arent affiliated. These corporations are also violating the Privacy Act of 1974, its illegal to report Transactions History but I am still seeing it present on my consumer reports. A charge off is considered Income why then are there charge off accounts reporting on my consumer reports these are all violations as I have not given written nor verbal consent to XXXX, Equifax nor XXXX to report on behalf of XXXX XXXX XXXX, XXXX XXXX, etc. Under 15 USC 6802 I have a right to Opt Out of anything on my credit report I OPT OUT of XXXX XXXX XXXX reporting to my statement and all other 3 rd party non affiliates reporting on my consumer report without my consent Charge Off are considered income and can not be reported on my credit report kindly remove them all a certificate of indebtness is my income why do you continue to use it against the consumer thats also a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off XXXX OF XXXX XXXX {$1800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX  XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw 2 unknown accounts opened on my name. These suspicious items are not mine. Please remove them from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BALANCE : {$1200.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX  XXXX XXXX XXXX  BALANCE : {$820.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX  XXXX  BALANCE : {$1000.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX SEND IN DISPUTES TO THE CREDIT BUREAU AND STILL NOT HAVE NOT RECEIVED A RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian credit reporting agencies. I co-signed for a loan in XX/XX/XXXX. for XXXX XXXX The car repossessed in XX/XX/XXXX I contacted XXXX and made an agreement with them to make one large settlement payment of which I did. They agreed to report to the agencies that the account was settled on my end of the loan and they have done so in which they have several times. I have written to all 3 bureaus numerous times with copies showing that I settled the account. It is removed from my report and when my credit report is pulled it pops back up showing I am behind payments and still owe over $ 7K ... XXXX has been very helpful and has sent it to all 3 credit bureaus numerous times since XX/XX/XXXX. My scores are in the XXXX 's because they keep reporting I am behind more than 90 days and still owe XXXX, I am at a loss as to what to do. I can not get to them to remove this this mistake off of my credit bureau. I have been trying for almost 3 years. I have attached the letters from XXXX showing I do not owe them anything. Please please help!
Product: Money transfer, virtual currency, or money service

Money {$12000.00} sent by wire transfer to scammer through Bank of America on XX/XX/24 at XXXX XXXX 
Notified by email by medical board about the scam on XX/XX/24 at XXXXXXXX XXXX  Called Bank of America and reported the scam on XX/XX/24 at XXXX XXXX 
Also called and informed about the scam to receiving bank in XXXX. 
Filed a e report with XXXX XXXX police XX/XX/24 and they confirmed that they were starting the process of freezing recipient account Filled FBI IC3 form for wire scam XX/XX/24 Went in person to FBI local office and informed on site FBI agent and gave him all the information on XX/XX/24 Called Bank of America back on XX/XX/24, spoke with supervisor XXXX and informed her about all the steps taken.
Product: Debt collection

On XX/XX/year> at I was contacted by I.Q. Data International Inc at XXXX PT Time regarding a debt of {$2200.00} I owe to a former apartment complex called XXXX. 

The first individual informed me of who they were and that they were attempting to collect a debt. I advised them that I had submitted a written notice that I was disputing the amount of the debt and asked them to confirm whether they had received the written dispute. She confirmed that it takes a few weeks to enter the system, at which point she asked me verbally to state the dispute. I disputed the amount of the debt as I had received no verification or final statement bill from the landlord so I could not verify that I owed what they said that I owed. I was then placed on hold for 10 minutes. 

I then spoke to XXXX XXXX who was aggressive and argumentative in asserting that I was required to owe this debt. He misreprented what I said and accused me of delay tactics, asking me probing questions regarding my place of employment, what credit cards, and continiously lorded over me that he knew my social security number. He made numerous threats that this would affect my credit and that I should pay today or I would suffer repurcussions for the next 7 to 10 years. I repeated that I wanted a verification letter to be sent, to which he continued to pressure and harass me that I was making things more difficut and that I should pay. 

I continued to repeat that I wanted a verification of the debt letter sent to me and eventually XXXX gave up and marked me down as refusing to pay before hanging up on me.
Product: Debt collection

Upon receiving copies of my credit reports I found this debt from XXXX. Other names included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The collection agency name was Jefferson Capital Systems. I have sent debt validation letters to multiple addresses and have gotten no validation. XXXX sends me letters back stating they sold my debt to Jefferson Capital Systems, Jefferson Capital Systems claims they can not validate and will close my account and stop trying to collect the debt. I do not recall ever getting a XXXX account or approving these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a Bankruptcy on my credit report i have written to the bureau for the past 3 years i call them on the phone 2 dozen times i wrote to the Northern district Court about a Bankruptcy that both XXXX and Equifax have been reporting in Accurately on my Bureau the court sent me a letter indicating that they DID NOT AND DO NOT report to any Credit Bureaus i sent these letters to the Bureaus and they say that they have verify this as a accurate item reported by the court so I went to the Northern District court with my ID and they said to me that we don't have a BANKRUPTCY in my name they then told me that the Bureau gets this information from XXXX XXXX i contacted them by phone and in writing they have never responded by phone or mail so i sent a letter to the Bureau explaining that they show me their Method of Verification they responded that the info was verified by XXXX XXXX i asked them then why isn't XXXX XXXX showing on my credit report they said that i should contact them bottom line is they don't give a XXXX about me and my credit and how this effects my life so i have spoken with a attorney he said that i should fit a complaint with you so i am complain that these Bureaus are ignoring the Fair Credit act and have no fear of your organization the attorney general or the federal Trade commission so I am asking for your help in this matter if they have verified this then i have a right to know who they verified this information with NAME EMAIL PHONE NUMBER etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement XXXX days in advance, thus this shouldn't be any late payment on this account. This is unquestionably a billing issue, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. XXXX XXXX XXXXXXXX XXXX XXXX : {$1600.00}
Product: Credit card or prepaid card

i received a call on XX/XX/XXXX that on XX/XX/XXXX someone named XXXX on XXXX XXXX in south carolina added herself online to my account and has made in store purchases of over {$2000.00} since then
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 U.S.C. 1681. 

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

15 U.S.C. Section 604 A Section 2 its 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 following items of information Any other adverse 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

I have XXXX  XXXX XXXX XXXX, that's I did not authorize on my credit report that is showing negative inquiries!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer 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 was unfair and deceptive, as they did not 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 violations.
Product: Credit reporting or other personal consumer reports

15 USC 1681b 15 USC 1681a ( 4 ) Credit Bureau violated my right to privacy when they sought out, collected and then reported my personal information for public use without my permission or consent. I do not owe the Credit Bureaus XXXX, XXXX or TransUnion anything as they are not the creditor and thus, can not report anything on my credit report without my consent or knowledge. 

This is a direct violation of my rights under United States Code and a vilation of FCRA standards.

Please delete from my records.

I have attached a letter from the United States Bankruptcy Court for the XXXX XXXX XXXX Illinois - Office of the Clerk 'validating " the following : " The Court does not report directly to credit bureaus. ''
Product: Credit card or prepaid card

The debit card on which my son 's child support is received was somehow compromised. Upon finding that my balance was much lower than it should have been, I placed a call to EPPICARD, the company that handles the child support cards for Pennsylvania. I took all the requested and necessary steps and got a letter from them saying that they " can not confirm that fraud occurred. '' This company is known for doing this. They do not follow the rules and guidelines for handling fraud. They also suggest that I " resolve by contacting the merchant directly. '' I have filed a police report but the police aren't able to help, citing a lack of manpower to handle the volume of fraud cases. They also advised me NOT to contact merchants on my own. 
I filed a claim for these charges well within the timeframe for which I should not be held liable for these fraudulent charges. This is just wrong of the company to do this, and I feel it is also illegal. 
I have 78 fraudulent charges that took place between XX/XX/21 and XX/XX/21. I am more than happy to provide a list of all the transactions, just as I have provided such to Eppicard and to the police department. 
I feel as if you, the bureau charged with protecting consumers, needs to step in and stop this company from willfully causing harm to recipients of child support and unemployment by their gross negligence and complete disregard for the law. 
This company seems to think they are exempt from the processes set forth by government authorities. This company has a multitude of complaints regarding the exact same issue. 
Thank you for your time. 
You may contact me via email at : XXXX or by phone at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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 interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer.

I have included letter to the court and letter from the court in this package.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 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.

According to : 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.