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

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XXXX XXXX  Ive already included this in my previous Complaint # & I am including it again.

XXXX XXXX XXXX XXXX XXXX Date filed XX/XX/XXXX Identification number : XXXX XXXX XXXX XXXX .... Balance : {$400.00} ; XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX  XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX  Date of request XX/XX/XXXX ; XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX  Inquiry : XX/XX/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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX of 2024, i took out a loan for {$630.00} when it was time to pay the monthly bill i paid it all on time even sometimes a day or XXXX before plus {$100.00} extra when i called them XX/XX/XXXX of 2024 at XXXXXXXX XXXX  the phone call lasted 5 minutes i was trying to see how much left i had to pay off so instead of myself talking i gave her permission to talk to my dad and tell him she told him i missed the payments and i never paid a single bill then she said i had 3 more payments and $ XXXX to pay in XXXX but it was a 24 month pay off my dad was asking for the exact amount she wouldnt give it. so i called corporate XX/XX/2024 at XXXX so they can resolve the issue they said someone would call me soon so the district manager called and he had a attitude when he was asking me what i wanted to know and i said how much i had to pay off he wouldnt give me the answer and was giving me attitude so my dad took the phone from me and told him what happened and asked him how much would i have to pay off and he wouldnt tell it at first but he eventually said it was XXXX as of today which was yesterday XX/XX/XXXX of 2024 at like XXXX.
Product: Vehicle loan or lease

I purchased a vehicle in XXXX XXXX and the transmission went so they gave me another car and the price went up and my finance company changed also they jacked the price up saying I put a certain down payment that did n't add up it was false it was a scam and now I owe so much money and the book value was n't adding up
Product: Credit reporting or other personal consumer reports

For weeks now, due to my complaints to the CFPB, and also my disputes within XXXX platform, Ive been unable to access the dispute platform ; to further report their negligence and misinformation concerning my credit profile and scores. I believe this is an intent to further discourage me from disputing their negligence and inaccuracy in the future. As well as this is yet another violation of the FCRA, impressed upon me, by TransUnion.
Product: Debt collection

Portfolio Recovery has added a charge off to my account that I do n't recognize. I have already tried to dispute this matter through all XXXX credit bureaus. However the credit bureaus has failed to send information back to me proving the account. The amount was for {$820.00} I have been a victim of Idenity theft. The credit bureaus are in violation of the fair credit reporting act because they have failed to remove this and prove that this does n't belong me
Product: Credit card or prepaid card

Lock Card function feature do not work as they advertise on their website : " No one can use a card while it is locked, including you. You can turn it back on anytime- When you lock your card, it will instantly prevent new charges on this card. 
All of these charges will be declined : In-store, Online, In-app & Phone Purchases. 
Any cards with the same card number will also be locked '' I made booking reservation with XXXX XXXX XXXX on my trip to XXXX XXXX. When I arrive in XXXX XXXX on XX/XX/, the taxi took me to the wrong XXXX XXXX XXXX. I had a dispute with them. They insisted on charge me one night for no show ( {$110.00} ). So I made an oversea call back to Capital one credit card to lock up my card so that the disputed charge could not go through. When I came back to USA on XXXX, I checked my account website and credit card was still locked. So I locked it up again. 
A couple days later, to my surprise, the disputed charge of {$110.00} went through and charged my credit card. I immediately called the credit card company to complain about this unlocked charge.
Product: Debt collection

I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided a copy of my ID to prove my identity.
Product: Mortgage

We had a Loan Modification, on our VA home loan, that started in XX/XX/XXXX with XXXX and in XX/XX/XXXX XXXX sold our loan to Carrington Mortgage. We stated we had the loan mod documents and have been paying on time and sent the documents. XXXX stated they sent the documentation as well and had Fax confirmation that Carrington received. 

Carrington stated not to worry as our documents were under review and they had us under forbearance until our account was updated on their end. Finally, in XXXX, they stated we have a better interest rate and to sign new loan modification which would start in XX/XX/XXXX, which we did. 

In XX/XX/XXXX, Carrington stated they had to return to the loan mod that XXXX had us sign. We contacted Loan Administration section of Loan Guaranty through the Department of Veteran Affairs, and XXXX finally had us re-sign again on XX/XX/XXXX, for the agreed amount starting XX/XX/XXXX. 

During the time that this was all in flux, we started making on time payments in XX/XX/XXXX to XXXX according to the loan modification. In XX/XX/XXXX we started paying Carrington. The only month we did not pay was XX/XX/XXXX, because they said no worries you are under forbearance and your new amount starts XX/XX/XXXX. 

We are still waiting for them to update our account with the correct payment information. Also, they reported to the credit bureau in XX/XX/XXXX that we have been 180 days late. After speaking with Carrington, they researched and told us they made a mistake, which they could not fix internally, and we had to report/dispute to credit bureaus in order to fix this. Reporting that we were/are 180 days late has caused both mine and my husbands credit ratings to plummet about 80 points each. 

This company has been giving us the run around ever since they took over our account last year. The false reporting has created a problem, we were planning to obtain a car loan but will have to wait for our scores to be corrected. This has caused undue stress and harm since Carrington Mortgage took over our VA home loan last year. 

We will be happy to provide additional information and documentation. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX
Product: Credit card

I hope this message finds you well. I am writing to bring to your attention a concerning issue related to a negotiable instrument ( 3-104 ) that I issued to Chase on XX/XX/2023, with the expectation of prompt and secure handling. 

Regrettably, I have been informed that my payment, sent in good faith, has been misplaced by your institution. As of XX/XX/2023, when Chase received the negotiable instrument, it came under the purview of the Uniform Commercial Code ( UCC ), specifically sections 3-309 and 3-312.

Under UCC 3-309 ( 4 ), when a claim becomes enforceable, the obligated bank, in this case, Chase, is obligated to pay the amount of the check to the claimant if payment has not been made to a person entitled to enforce the check. This, however, is contingent on the condition that the claimant refunds the payment to Chase if the check is paid or pays the amount of the check to the person having rights of a holder in due course if the check is dishonored.

Additionally, UCC 4-302 outlines the payor bank 's responsibility for the late return of an item, holding the bank accountable for the amount of the item if it is not settled for or returned by the midnight deadline.

Moreover, considering the provisions of UCC 3-303, it is essential to emphasize that the negotiable instrument was issued for value, meeting the criteria outlined in subsection ( a ), specifically ( 3 ) " as payment of, or as security for, an antecedent claim against any person. '' The obligation of the acceptor, as defined in 3-413, further underscores the responsibility to pay the draft according to its terms at the time of acceptance, or as varied, to the extent owed to a person entitled to enforce the draft.

Given the circumstances outlined above, I am compelled to express my concern that this situation may be indicative of a potential securities fraud matter. I believe it is in the best interest of all parties involved to address this issue promptly and rectify any discrepancies.

If this matter is not handled in a timely and satisfactory manner, I may be compelled to escalate this concern to the Securities and Exchange Commission ( SEC ). I am hopeful that we can resolve this matter amicably and promptly to avoid any further escalation.

I appreciate your immediate attention to this matter and look forward to a swift resolution. 

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

I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNT IS FRAUDULENT. 
WELLS FARGO AND XXXX WILL NOT REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

XX/XX/2016 WELLS FARGO BANK XXXX {$300.00}
Product: Checking or savings account

XXXX XXXX, the amount of $ XXXX, included $ XXXX overdraft XXXX, by TD BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and found that unverified bankruptcies are being reported. It is against the law to furnish any information that is not verified. The us bankruptcy court as the furnisher must be contacted to verify this information. They have sent to me in writing that they do not validate or verify any bankruptcy information to the credit reporting agencies. You are breaking the law by continuing to furnish this information.
Product: Student loan

My monthly student loan for XXXX XXXX XXXX is {$330.00}. I was chargedtwice in XXXX XX/XX/year> {$330.00} and XXXX {$330.00}. For XXXX I was charged {$250.00} XXXX and {$330.00} XX/XX/year>. I have alreadypaid {$330.00} for XXXX XXXX but they are likely going to double charge me again. 
The total amount due for XXXX and XXXX was {$670.00}. I was charged {$1200.00} for this period. I was overcharged {$590.00} which should be immediately refunded to my checking account. 

When I called they said they had no record of any payments but were showing no balance due despite me receiving multiple no payment received emails.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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 XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Checking or savings account

My debit card was used without my consent on XX/XX/2023 in the amount of {$400.00}. I did not authorize this charge or have the card in my possession. I misplaced my wallet on XX/XX/XXXX at a local hospital where I was present for an appointment. I did not notice my wallet was missing until the next morning. I called the hospital and was told it was located and was in lost and found. I retrieved my wallet latter that day ( XX/XX/XXXX ). Seeing that all my cards and ID were present I thought little of it. I noticed about a week or so later that {$400.00} had been charged on my debit card. When I contacted the business that charged the card it was for vehicle lockout service. I asked for the vehicle information and they told me it was for a XXXX XXXX. I told them that I own a XXXX XXXX and my keys can not be locked in my car because my vehicle automatically unlocks the doors if it senses the keys inside the vehicle and the door gets locked. 

I asked them to refund my money and explained that situation with my card. They refused to refund my money. I then contacted Navy Federal Credit Union and they did investigate this incident and issued a temporary refund. Then they told me that because my card was used locally it was not fraud and took the credit back. I do not think I should be responsible for this charge and would like help in getting my funds returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent FRONTLINE ASSET STRATEGIES LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX ( XXXX ) XXXX a cease and desist letter over 2 months ago by certified mail. On XX/XX/2023, Frontline reported to XXXX that {$60.00} was in collections from XXXX XXXX. They continue to report to the credit bureaus after they were told to cease and desist. My credit score went from XXXX on XXXX down to XXXX as a direct reporting to them that {$60.00} was in collections after the cease and desist letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquirer : CLARITY SERVICES A PART OF EXPERIAN ; XXXX XXXX XXXX, XXXX TEXAS, TX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX Number : Telephone Number Not Available Inquiry Date : XX/XX/2021 Name Provided : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX SSN/ID Provided : XXXX Email : No Information Found In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15-USC1681 I have the right to privacy. In 154USC1681 it states that a consumer reporting agency can not furnish an account without my written instructions. Also, under 15USC1666B a creditor may not treat a loan or credit card account under an open consumer credit plan as late for any purpose. I demand this to be immediately removed from all consumer reports that reflect my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax via mail on XX/XX/2020 and online on XX/XX/2020 to dispute unauthorized inquiries. I received a follow up via email on XX/XX/2020 stating my dispute was complete. However, I was unable to view the results online as the system is not working. I tried to reach Equifax via phone today XX/XX/2020, I held for 4hrs before the line was disconnected. I finally received the dispute results via mail later on in the day. Equifax deemed the inquires factual, I received no supporting documents. I have never applied for anything with these companies, these are fraudulent inquires.
Product: Student loan

I am still currently a student and am receiving emails from nelnet to begin repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, am familiar with the facts recited below ; and hereby declare under penalty of perjury that : I, TXXXX : XXXX am a living woman, divinely created by the All Mighty Creator, created in his image, to have a divine experience in the Jurisdiction he created and lawful constitutional rights to privacy. As living beings we do know and defend our unalienable rights at all points in time, and are willing to express those rights if need be.

15 USC 1681 ( a ) ( 1 ) ( 2 ( 3 ) ( 4 ) - Congress makes the following findings ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681a ( d ) ( 1 ) ( 2 ) ( A ) ( i ) - Exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information.

I have tried for several months to resolve the inaccuracies and non-disclosure information reporting on my consumer report without my consent. I am a victim of EQUIFAX data breach and EQUIFAX has purposely ignored my complaint of inaccurate reporting with sending me computerized responses and continuously furnishing inaccurate information violating my rights to privacy and the FCRA. Equifax inaccurate reporting has caused me financial stress by defaming my financial reputation and slandering my character to utilize my credit.