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

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINTXXXX XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, had violated my rights. 

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

15 U.S.C 1681 Section 602 A Section 2. Also states a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting or other personal consumer reports

I have sent multiple disputes to your respective bureaus regarding inaccurate information on my credit report. I meticulously detailed the accounts in question, highlighting the blatant violations against my consumer report. Despite the legal requirement of a response within 60 days, your bureaus have failed to address these issues adequately. 

For your reference, I am attaching copies of all the letters previously submitted. The lack of action on your part is unacceptable and a clear violation of consumer rights. It is now imperative that you rectify these inaccuracies promptly. 

I expect an immediate and comprehensive response to the concerns raised in my previous communications. Failure to address these issues will leave me with no choice but to escalate this matter further, seeking legal remedies for the damages caused to my creditworthiness. 

Time is of the essence, and I trust you will handle this matter with the urgency it deserves.
Product: Payday loan

Charged fees I was not aware of Did not credit payments as I paid them. 
Ca n't contact lender closed XXXX in XXXX Wisconsin XXXX The Cash Store. XXXX Cottonwood Financial is charging me over {$2200.00} after I made payment on a loan of {$1500.00} of XXXX payments of over {$300.00}. Now they are garnishing my wages. How do I get this to stop. And protect my credit report history as I 'm saving for a house. 
XXXX XXXX, WI XXXX XXXX XXXX
Product: Mortgage

After 13 years with my original mortage lender, my mortgage loan was transferred to a new Lender " Mr. Cooper Mortgage '' I have had nothing but constant issues with them. It is impossible to speak with a live agent to resolve any issues. Everything is through their automative system which does NOT help you resolve anything.

I am currently making biweekly payments which include additional payments to be applied towards my principal and escrow. However, My. Cooper is misapplying these payments as " paid lender fees '' which is absolutely incorrect. I have been trying to get a hold of them, with no luck. They have no customer service at all, no response, it is very frustrating to deal with this new company when you can not speak to a live agent at any time.
Product: Checking or savings account

Open bank accounts in my name I never open a bank account only with chime
Product: Credit reporting or other personal consumer reports

Under the XXXX XXXX ( XXXX ), specifically XXXX XXXX. XXXX, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, XXXX, and XXXX, XXXX allowed by law. 

In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. 

As a diligent consumer, I am concerned about the privacy and security of my personal information as your company is questionable as it pertains to the legality of the lending as there have been an abundance of fraud reports. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am once again submitting this CFPB complaint since the Credit Reporting Agencies have done nothing to correct my Credit file. This CFPB Complaint is formal notice that the Credit Reporting Agencies have failed to respond in a timely manner to my dispute letters and CFPB complaints. The Credit Reporting Agencies informed me to contact the creditors and I have done so. According to FDCPA 809b, the Credit Reporting Agencies are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete the following accounts now : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX  XXXX XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine COLLECTION XXXX  XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX   XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Credit reporting or other personal consumer reports

according to the FCRA 15 U.S code 1681 2xi, 15 U.S. code 1666b and U.S. code 6802. a creditor can not place a late payment with out notifying me. i did not receive any notice. if pennymac the creditor can not prove on i authorized these late payments to be added to my credit report please remove from credit report. also there is inaccurate reporting of the late payments. i have attached the inaccurate information.
Product: Checking or savings account

On XXXX XXXXXXXX XXXX, {$9800.00} was stolen from my checking account by a ACH debit transfer. I disputed it immediately in the next few days when I found it ( I was on a flight XXXX to XXXX the whole day of XXXX XXXX and was impossible to do any transfer ). The contact told me that they would send me a letter and I needed to return it physically. Since I was not in the US, I asked a friend to check my mailbox regularly but never got it. I returned in XXXX and called Chase again and it turned out that it was an electronic mail that I had to download from my Chase account and this case was closed. I asked them to reopen this case so that I could resubmit the form. I submitted the form later, and they rejected my disputes because " not all the transactions are disputed ''. It turned out there were two other transactions worth {$0.00} on XXXX XXXX which I didn't even notice. Shouldn't be Chase 's due diligence to review the disputes and ask if there are other potential fraud transactions instead of rejecting my dispute because not all transactions are included?
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I disputed XXXX accounts containing incomplete & inaccurate information on my credit report. Those accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted all XXXX CRA via mail asking them to stop reporting inaccurate/incomplete information and income on my credit file.

All 5 accounts are " Charged off as bad debt '' and consists of incorrect information regarding date opened, date of last activity, past due amounts, and/or account status.

Pursauant to U.S.C. 1681 of the FCRA, not only is this affecting my credit worthiness and standing by the inaccurate/incomplete information reported, its also impairing the U.S. banking system. Under the IRS Publication 4681 these above accounts are consider " Gross Income. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX for account opened XX/XX/XXXX with account number XXXX XXXX, and XXXX XXXX  for the account opened XX/XX/XXXX with account number XXXX XXXX. Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EQUIFAX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

recently obtain a copy of my credit report and noticed accounts that did not belong to me
Product: Payday loan, title loan, or personal loan

I am not sure ; but they took the loan payback out of n my paycheck, back in 2012, they have been harassing me ever since for money. It 's insane!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Barclays Bank Delaware Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting

TransUnion placed an adverse account on my credit report from a company called, " XXXX XXXX '' with partial account number XXXX on XXXX XXXX, 2008. This account should have never become adverse because I turned in a forbearance form that should have prevent this loan from ever defaulting. Since this account is scheduled to be removed soon anyway, I would like it deleted from my credit report. It would save me and XXXX XXXX a great deal of trouble. If this account is not removed asap I will have to seek legal counsel to get it deleted.
Product: Mortgage

In XXXX  I applied for a Loan on a Home. Goldstar Financial corporation Group was the lender on the Mortgage Agreement for a Loan of XXXX My records show NO LOAN WAS EVER GIVEN, BY CHECK, NOR A WIRE TRANSFER TO MY BANK TO FUND THE LOAN TO PURCHASE THE PROPERTY. 
This is a clear case of BREECH OF CONTRACT/FRAUD IMPOSED ON ME BY WAY OF A DECEPTIVE PREDITORY LENDING CONTRACT USING MISLEADING WORDS PURPOSELY DONE. I ASKED FOR ALL DOCUMENTS, ORIGINAL PROMISSORY NOTE, ALL ACCOUNTING LEDGERS INVOLVED IN THIS MORTGAGE, PROOF OF ACTUAL LOAN BY WAY OF ACCOUNTING LEDGERS. 
PROOF THAT I OWE THEM ANY MONEY WHICH I'VE BEEN PAYING TO THIS LENDER FOR YEARS NOW. AFTER SOME READING AND STUDYING I FOUND THEY NEVER LOANED ME ANY MONEY AT ALL ON THIS PURCHASE OF THE HOME I CURRENTLY LIVE IN.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX are being reported negatively on my credit file and should not be. These are fraud charges and accounts and have been notified of such multipole times now. 
these accounts do not belong to me.
Product: Student loan

Mohela was sent a check for {$6500.00} from the state of Illinois as an award from on my behalf for the social work shortage that exists in the state of Illinois. Mohela never debited the check to my account. In addition, Mohela has yet to check my public service loan forgiveness application and they are currently charging me monthly payments even though I should be in forbearance for being in school at XXXX XXXX. When I contact MOHELA on their website through their messaging portal, they never respond and have deleted past messages that I sent them from my account. In addition, they do not answer the phone when options are clicked for a customer customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity theft report XXXX, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are being reported : XXXX XXXX XXXX account XXXX and account XXXX. I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
Product: Credit card or prepaid card

Chase Bank would not refund unused months when XXXX went out of business My XXXX 12 month membership was activated on XX/XX/XXXX at {$17.00} / month. 
XXXX went out of business on XX/XX/XXXX. 
I am disputing the unused 8 months at {$17.00} = {$140.00}. 

I requested a chargeback on XX/XX/XXXX. 
Chase said that I was not entitled to a refund! 

Chase has failed to provide the promised consumer protection! 

There is no need to contact XXXX! 
They are out of business and do not respond! 
My dispute is with Chase Bank. 

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have contacted the creditor and all three reporting agencies on XX/XX/2023, XX/XX/2023, and XX/XX/2023 times this year. They never provide any documentation substantiating with evidence or information to report the late payment on the XXXX XXXX account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6.2, which states I have the right to privacy ( 15 USC 1681 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. Also creditor may not treat a payment on 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.

Statements are not delivered to me no later than 21 days before the payment due date. The statements are created on the XXXX of the month prior and mailed to me, thus not delivered until at most 3 days prior to the payment due date, and often, they are delivered after the due date.