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

I need my hard inquiries removed from my Transunion account as most of them have been resolved or settled and whats in collections called XXXX XXXX I need removed as that has been resolved. They need to remove these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX ) XXXX XXXX XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Hotel and Travel ) 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

In accordance with the Fair Credit Reporting Act. The accounts listed below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I contacted XXXX, Equifax and XXXX to reinvestigate the following accounts : 1. XXXX XXXX XXXX with Account Number : XXXX XXXX. XXXX XXXX  with Account Number : XXXX However, they stated everything was complete and accurate but that is not true as the open date, date of last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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. Also, XXXX, Equifax and XXXX are not even in compliance with Metro2 credit reporting. I have evidence to prove my case.
Product: Credit card or prepaid card

I did not receive my class action settlement from Wells Fargo for being overcharged on ATM fees and higher interest rates on my debit card and on my credit card
Product: Credit reporting or other personal consumer reports

I've sent in MULTIPLE request for this XXXX  account and XXXX XXXX account to be DELETED from my credit report, I have XXXX knowledge of these accounts and have expressed this MULTIPLE times to the credit companies,. I've tried to send in reports and proof that I do not own this account and that I was in the military XXXX but they still won't DELETE these accounts. This is harming me from getting a home and getting credit extended out to me. They SAY that they properly have investigated these accounts but i know for a FACT in XXXX hours ( the time they supposly did the reinvestigation ) that a proper investigation wasn't done along with the proper paperwork send over to my self and the date furnishing companies. I want these account DELETED off my credit report.
Product: Debt collection

I went into contract with YAMAHA MOTOR FINANCE on XXXX, with finance amount of {$3100.00}. for 60 months which would be duration date of XXXX. It wasn't until of the global pandemic that I started to have issues with payments from the months of XXXX and they came to repossess in XXXX which I was under the impression that due to COVID19, the company was allowing you to catch up. However, my unit was repossessed in XXXX, in order to get my unit back, I had to bring the account current plus repo fees which was paid on XX/XX/XXXX in the amount of {$1000.00}. That amount brought my account current and the remainder of the loan was still due, I never took a settlement nor did I pay less than the full amount owed on this account. I have called Yamaha Finance several times and submitted several disputes and they are reporting this as " settled for less '' which is not accurate. I never once agreed to settle, this account should be reported as paid in full or be deleted from XXXX, XXXX, XXXX credit reports immediately. I have asked them to provide written statement/proof that I did not pay this full amount or settlement and they have not as of date. I have also requested full payment history that shows I paid a total of {$4.00} and I have paid this off before contract duration date.
Product: Debt collection

XXXX XXXX, XXXX has constituted sending me an invoice for payment on an account from Wachovia Bank. It appears that several of these debt collections agencies are attempting to collect on this invoice. This is n't the first time I 've seen this bank just different collector.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX fraudulent account XXXX  XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX XXXX
Product: Mortgage

HELP. 
My loan was sold by XXXX XXXX to Mr. Cooper. My escrow keeps going up with NO real explanation from them. There was no letter sent to me in regard to the escrow shortages. The interesting thing is. Had I not logged into my account a couple months ago, I would not have known that I had shortage then. That shortage was just under {$200.00}. I paid {$200.00} just to add some extra to the escrow. No problem I thought. BUT, I can't see that payment anywhere. Even though I see it on my bank account. Then I went on 2 days ago and NOW there is another shortage for well over {$800.00}. No explanation. I can not get a hold of a LIVE PERSON. Mr. Coopers live chat only allows you to ask certain questions. And there is no way to write your question or response to their chat. So, I have been calling and calling them. These criminals will not connect you to anyone to help you resolve your issues. What the heck are they hiding. I do not know what to do. I will start the refinance process with another mortgage company. Please look into them Also, SHAME ON XXXX XXXX XXXXXXXX for selling people 's mortgages to these criminals. 

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

I am writing you after going over my credit report that I never authorized the following Companies to check my credit report. I have a fraud alert on my credit report that should not have authorized any inquiries without contact or verification first that it is actually me applying for credit. 

These unauthorized inquiries are from : XXXX XXXX , XXXX ( XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX/XXXX ( XX/XX/2019 ) XXXX ( XX/XX/2019 ) By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regard to this matter. 

Thanks in advance for your time and prompt attention to this matter.
Product: Debt collection

I received a credit alert from XXXX  and discovered a debt collection agency called DRS or otherwise known as Debt Recovery Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone Number : XXXX Per my XXXX  report they bought a debt from a place called XXXX. I have never heard of this place and it was never reported to my buraeus before by XXXX. Per XXXX  they said I opened the account XXXX XXXX XXXX this not my debt and I have not received validation of the debt and they have re-aged the account to fit their interest in collection of {$340.00}. This debt that is not mine has lowered my credit score by 19 points. They went against the Fair Credit reporting act and I keep getting numerous phone calls that I have to block. They fraudulently re aged an account that is not mine. I have never taken out a pay day loan and it has never been on bureau until this company bought the debt. I had to XXXX  XXXX and found they are a paydayloan company and DRS bought the account. I have had XXXX XXXX for years and never seen this debt until I received an alert form XXXX. I have contacted an attorney and filed a dispute with XXXX  this needs to be taken off my credit report and DRS needs show validation so I can file fraud report with my local police department. If my identity was stolen I need validation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as my formal and final notice to immediately remove or update the inaccurate, outdated, or unverifiable accounts currently appearing on my credit report. I have reason to believe that these accounts have either been reported erroneously or contain errors in their status, and they must be updated or removed within 48 hours to reflect a paid in full status with no late payments. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate, verifiable, and timely. After conducting a thorough review, I believe that these accounts fail to meet the required standards, and as such, I am demanding immediate action. 

If these accounts can not be fully verified or updated to reflect paid in full with no late payments within two ( 2 ) business days, I will take the following actions : 1. Seek legal action, including filing a lawsuit for damages for failure to comply with the law.

2. Contact all necessary legal authorities, including the Attorney General, to report the mishandling of my personal information and any potential violations of consumer rights.

I have attached all supporting documentation, including payment records, communications from creditors, and any relevant account statements, proving that these accounts are either inaccurate or can not be verified.

Failure to comply with this demand within 48 hours will result in immediate escalation through all legal channels available to me. Additionally, this letter serves as a formal notice to preserve all records related to this matter for potential litigation. I expect a prompt response and full compliance within the stated timeline. 

Sincerely, XXXX XXXX
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from AD ASTRA RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against AD ASTRA RECOVERY in  regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit card

I have created a profile with the address in XXXX XXXX XXXX, CA. on Google back in XX/XX/year> ( see attached information ). I also sign up for Google Ads ( XXXX XXXX Click Ads ) for this same profile. Google has charged, and or attempt to charged me over {$700.00} since XX/XX/year> for clicks on this profile. However, the profile was never visable on the internet ( Google ), therefore, people/visitors could never click on it. 
That shows that I have been charged for fake, and or no clicks. I do believe, due to the nature of Google manopoly of the internet, and so the advertising business, that I may not be the only victim of fraud. Since XXXX I have been trying to contact Google in regards to this issue, but they ( a call center in XXXX ) have been giving the " go around ''. 

All I want if for Google to make my profile visable to Google visitors, and either refund me all the fraudlent charges they have done on my credit card ( I was forced to close my card and the account associated with the card ), or give me a credit for actually ads.
Product: Credit card or prepaid card

I went through a divorce in 2022 and part of the divorce agreement was that all debt would be paid off before divorce was final. On XX/XX/2022, My attorney and I worked to pay off all debts. That day I called Comenity Bank the holder for the My Place Rewards Credit card for Children Place and requested a pay off amount. I explained I needed the full balance due and it needed to include any interest that was owed so that my attorney could submit the payment per the divorce agreement. I was given the amount of {$460.00}, which was the amount that was paid. A month later I received a bill for interest. I called and told them the card was closed and that the bill had been paid in full in XX/XX/2022. Every month since XX/XX/2022, I have received a bill with accruing interest and late fees. I have called them several times to dispute the charges. They refuse to remove the charges and say they will turn me over to collections to get the money they say is owed. I gave them the name and phone number of my divorce attorney ( XXXX XXXX - XXXX XXXX XXXX ) per their request so they could verify the information I gave them. They have not contacted my attorney about this. Nothing has been settled as of today and they have now reported to the credit bureaus that I have failed to make on time payments and that I am 150 days behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX  and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordinglyXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I agreed to co signing for an educational loan for my XXXX  when I was XXXX XXXX XXXX this was in XXXX of XXXX. She took my personal information and took out XXXX additional loans without my permission while she was attending XXXX XXXX  in XXXX XXXX, XXXX. I was not aware of her doing that until the other educational loan company, XXXX XXXX called me about payment in XXXX of XXXX. I was paying on a loan for over XXXX  years with XXXX that I thought was what I signed for but learned it was not. I request for XXXX who is now being serviced by XXXX to give me a copy of the the promissory note and a XXXX XXXX for the XXXX promissory notes. I did the identity theft pact, a police report, freeze my credit, also did a report with the federal trade about identity and sent in to the XXXX educational private loan along with my signatures to each private educational loan. XXXX removed me as a co- signer on XXXX loans and also XXXX the loan that I originally signed with them, however Navient private loans refused to remove me and said they felt the signature were similar, but the signatures were not. I have all the paperwork that will show this too
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX XXXX card ending in account # XXXX. I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX   however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX XXXX  Balance Owed : {$96.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX