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

on this date XXXX the following credit bureaus have not responded to my investigation it is now over 45 days later. I demand that they investigate and remove all inaccurate and erroneous items from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I was added as a authorized user on a XXXX XXXX XXXXXXXX account that was opened in 2001, but my credit score/report does not reflect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Lease with XXXX shows on my Equifax credit report. This is incorrect. I do not have a lease with XXXX. I am uploading details of lease on shown on my credit report.
Product: Debt collection

LVNV is continuing to report inaccurate accounts to my credit file. They are in complete violation. Not only has LVNV failed to notify me to let me know there was an alleged debt and it will be reported to credit agencies. They were informed that I am a victim of identity theft and this account is a result of identity theft yet they still failed to do an investigation. LVNV has no legal documents bearing my signature and I have never had any business dealings with them nor the company they represent. Yet they are reporting 2 accounts on my credit file in the amount of {$1800.00} and in the amount of {$980.00} of which both needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : XXXX XXXX XXXX EMPLOYERS : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  COLLECTIONS 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 XXXXXXXX NAMES : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX COLLECTIONS : 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 EXPERIAN EMPLOYERS XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : 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 or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Calling me at work. These calls are not allowed and they will not stop. Use fake names.
Product: Student loan

I have XXXX Parent Plus Loans on one account with Great Lakes. They have always been paid in full & on time with auto-debit. In XX/XX/XXXX I started paying an extra {$200.00} as part of the auto-debit. Two places on the Great Lakes website state " once scheduled monthly payment & all outstanding interest has been paid, excess will be applied to the loan with the highest interest rate, thus costing you less interest over time. '' Also under " How Payments are Applied '' it states " When it comes to excess payments you have more flexibility. We automatically apply excess to : 1. Accrued interest since your last payment 2. Principal of the loan with the highest interest rate ''. The {$200.00} extra was not applied as promised to only the higher interest loans which is going to cost me more over the life of the loan. XXXX of my loans have 7.65 % interest rate & the XXXX has 6.16 % interest rate. Great Lakes applied a portion of my extra {$200.00} payment to the loan with the lowest interest rate. In XX/XX/XXXX my payment of {$490.00} was divided so that the 6.16 % loan received a principal payment of {$100.00} prior to adding the extra {$200.00}. In XX/XX/XXXX I added the extra {$200.00} which non of that should be applied to this lower interest rate loan but the amount allocated to this loan went up every month even though the total principal amount is going down. XX/XX/XXXX, {$120.00} principal payment was charged & XX/XX/XXXX {$130.00} principal payment was charged. They are using my extra payment to pay down this lower interest rate loan! This is very wrong! How many thousands of people are getting ripped off?
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my bankruptcy filed XX/XX/XXXX has been updated and resubmitted to reflect a current date of XX/XX/XXXX which is incorrect and looks like i just filed the bankruptcy. 
under Transunion and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this information is incorrect and should be cleared up and updated to the original correct filed date of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # 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 an account without my written instructions.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 items 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: Vehicle loan or lease

My car was repossessed illegally from Westlake portfolio when I was in a binding contract with US Auto Sales Not Westlake portfolios I never signed no contract or talk to a sales person from Westlakes portfolio. Ive had the car for about four years paying on time with great payment history. My credit score has now been affected tremendously. They have also put a loan on my credit report that is inaccurate from what Ive Initially signed in the beginning of 2020 with US AUTO SALES
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account XXXX : XXXX
Product: Payday loan, title loan, or personal loan

I went to XXXX, XXXX XXXX XXXX in XXXX, CA ( XX/XX/2017 ) and they charged me {$2200.00} including a tooth brush. They gave me a loan for that amount to be paid monthly with no interest. I returned the tooth brush the next day and requested to be offset against loan which has never happened as of yet. 

Care Credit, the loaner, have been billing me for minimum amounts of {$55.00} to {$67.00} per month and I've been regularly paying them. Now they have put a {$610.00} interest on loan and claiming I have 12 months without interest. Original loan balance is {$1400.00} I was billed incorrectly by care credit, monthly bills should have been XXXX of loan amount. 
I was never made aware of 1 year promotion, neither by clinic nor by care credit. 
I was never notified of upcoming interest charges in advance and prior to the time being due. 

Care Credit claimed minimum billing policy is not in accordance to loan but to keep the account going, so they do it intentionally to bait customers to pay interest after 12 months without any kind of notifications.
Product: Mortgage

This is a follow-up to complaint XXXX, which has been closed by PHH. They have provided a settlement offer to close the deed in lieu process but nothing more was provided. They have provided with a settlement amount, which seems unreasonable, and I'm unaware of how they arrived at that settlement amount. I have requested hardship assistance and they are offering none, and they are not taking any responsibility for their failings throughout this process. It is unreasonable to expect that I agree to a payment without knowing how they arrived at that amount, without them accounting for their shortfalls in the process, and without knowing next steps or terms of the deed in lieu. 

I would like PHH to take responsibility of their shortfalls throughout this process, which have exacerbated the hardship I continue to experience, and to STRONGLY consider the counteroffer provided. Furthermore, I need PHH to communicate, clearly, the next steps and expectations of the deed in lieu process, expected terms and conditions of the agreement, provide a draft of the deed in lieu documentation, prior to any agreed upon payment or expected signature. I have provided a letter to PHH outlining the issues experienced, my counteroffer, which I deem reasonable given the experiences with Ocwen/PHH, and requesting specific next steps regarding the deed in lieu.
Product: Debt collection

The amount {$2500.00} Was taken on XX/XX/2015 The business in which was there before when a bank robbed and was supposed to drop the cost of debt but never did and are still trying to pursue the amount.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to correct an ongoing error in my payment history, despite multiple disputes. This inaccuracy has persisted for far too long, and I am demanding immediate action. Upon reviewing my credit report, I found that my payment history for the following accountsXXXX  ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX  ( XXXX ) has been misreported by TransUnion, while XXXX has accurately reflected the correct payment history. This discrepancy is unacceptable and is causing unjust harm to my credit profile. By continuing to report incorrect payment history, TransUnion is violating its legal obligation under 15 USC 1681e ( b ) to ensure maximum possible accuracy in credit reporting. I have disputed this issue multiple times, yet TransUnion has repeatedly failed to take corrective action, which now constitutes willful noncompliance under 15 USC 1681n. Furthermore, TransUnions refusal to investigate and correct these errors is a direct violation of 15 USC 1681i, which requires credit bureaus to conduct a reasonable investigation and fix inaccuracies. At this point, it is clear that TransUnion is ignoring its responsibilities under federal law. I am demanding that TransUnion immediately update my payment status to reflect " Paid or Paying as Agreed, '' as accurately reported by XXXX. There is no excuse for this continued misreporting, and I expect this matter to be resolved without further delays. If this issue is not corrected promptly, I will escalate this matter further to ensure compliance with federal regulations and protect my rights. I expect written confirmation once the correction has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following item and the account was to be removed from my credit report by your bureau. It is showing inaccurate and still reporting negatively. According to the Fair Credit Reporting Act, legally the following incorrectly reporting items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Party Owed : XXXX XXXX Type of Business : Credit Card Account Number from Credit Report : XXXX I am disputing this claim due to having the aforementioned item deleted off my credit report by XXXX XXXX Equifax XXXX and XXXX.
Product: Checking or savings account

Someone changed my address on file, mailed at debit card to the changed address, then deposited fake check through mobile deposit. 
First check was {$9800.00} then another for {$3000.00}. Also {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to XXXX XXXX, XXXX, experian and XXXX multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the XXXX   credit card off of my credit report permanently, which never happened. It keeps getting reinserted by XXXX credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent XXXX  credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of discover doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like XXXX told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.
Product: Credit card

XXXX failed to credit account for returned merchandise delivered incorrectly. I was forced to purchase the correct item anew and return the incorrect item for credit, which I did. Here are the dates : XXXX Ordered BLUE paint and paid extra for delivery with XXXX- {$180.00}. 
XXXX WHITE paint delivered by mistake, XXXX told me to re-order BLUE paint and return WHITE for credit. 
XXXX Ordered BLUE paint, paying a second time to have it re-delivered- {$170.00} plus delivery charges. 
XXXX XXXX incorrectly-delivered WHITE paint, but no credit issued. 
XXXX Disputed charge with BECU Bank ( XXXX ) and provisional credit applied to account - {$180.00}. 
XXXX Provisional credit removed from account and re-charged the original amount- {$180.00}. 
XXXX Called BECU " XXXX '' to ask why it was denied and to reopen the dispute. 
XXXX Received request from BECU for documentation to verify overcharge. 
XXXX Called BECU " XXXX '' to ask for steps to resolve issue as quickly as possible, was told that it was XXXX who determined the denial. 
XXXX Filed complaint with CFPB and XX/XX/XXXX as discussed with BECU.
Product: Mortgage

At this time I would like to know who's in charge of the CFPB redress of allocations and CFPB investigations. 

because attorney general XXXX of Connecticut. & every official office has failed my family as MY LATE HUSBAND WITH A CREDIT SCORE OF XXXX AND I AND OUR XXXX CHILDREN were PROMISED a simple hardship modification due to the fact that my husband of XXXX  years, OUR ONLY SOURCE OF INCOME was XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS HARD AS THAT WAS AND FOUGHT ON TO PROTECT OUR HOME FOR MY FAMILY ARE FOR CHILDREN AND AS SOON AS I HAND DELIVER THE DEATH CERTIFICATE WELLS FARGO XXXX ATTORNEYS HAD OTHER ILLEGAL UNLAWFUL AND DECEITFUL PLANS! I HAD A UNITED STATES DISTRICT COURT CASE IN WHICH ALL PARTIES WERE PERCEIVED NO FURTHER EXCEPT IN THAT COURT HOWEVER 2 DAYS AFTER THE USDC XXXX XXXX ct XXXX XXXX XXXX ordered all parties to proceed. No further in any other court!! MY DEED WAS ILLEGALLY UNLAWFULLY TRANSFERRED TO KNOWN REAL ESTATE PREDATORS WHO THEN STOLE OUR HOME FOR XXXX. WE LOST EVERYTHING AFTER XXXX FIGHT AND WE'RE HOMELESS DESPITE NY FILING THE XXXX XXXX XXXX 

ALL ALONG THESE PEOPLE SOUGHT PROFIT OVER MY FAMILY - IN EVERY COURT TO EVERY JUDGE AND EVERY OFFICIAL I NEVER WAVERED IN MY TESTIMONY AND I HAD ALL MY DOCUMENTS IN ORDER,!! 

NOT FRAUDULENT PERJURIOUS DOCUMENTS TESTIMONIES THAT THESE PARASITES WERE COMMITTING IN OUR COURTS, ALL ALONG XXXX XXXX vultureS WERE GOING TO FLIP OUR HOME AND I TOLD EVERY JUDGE THE SAME THING AND THEY DID- THEY FLIPPED IT FOR A {XXXX} we got NOTHING!!!! JUST SHATTERED HUMAN BEINGS!!! 

MEANWHILE despite 2 APPELLATE CASES, state judge reached in on over and removed our protection from the stay! AS OF XX/XX/2020 With a CT STATE XXXX XXXX forcibly removed us from our only home, OUR XXXX CHILDREN & I LOST EVERYTHING INCLUDING ONE OF OUR RESCUE PETS - AN EMOTIONAL SUPPORT ANIMAL WAS NEVER SEEN AGAIN - Indoors ONLY! 

Attn : XXXX XXXX PLEASE HELP MY FAMILY AT LEAST REGAIN THE PRINCIPAL AMOUNT OF OUR ONLY FAMILY HOME + irreparable damages done to my family by these predators. I've probably submitted a dozen complaints to the CFPB, the department of banking, everyone that was supposed to help and protect us and no one did anything to protect OUR RIGHTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts Names and account Numbers are as follows : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing ay 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 9 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer-reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was rejected for an apartment due to XXXX reporting a fraudulent account for an apartment that I have never lived at. I disputed to account with them and I am demanding that they remove it immediately as it is hindering me from getting approved for an apartment
Product: Debt collection

Signed up for aligners with XXXX XXXX XXXX, after one month my dentist advised my to cancel and return them due to dental procedure that needed to be done. I paid {$320.00} and cancelled my order. XXXX XXXX XXXX  stated once the aligners are received in there warehouse order would be completely cancelled. Later, I receive bill from AMERASSIST AR SOLUTIONS on behalf this account that was cancelled. I contacted XXXX XXXX XXXX informing them of the situation and they request my tracking number of the package they thought wasnt received and found it. they prompted AMERASSIST that the account is current and not owed. AMERASSIST til this day harasses me for payment of something they have a canceled order for. 

-This company has violated my rights from even try to even settle this account that is actually canceled and they refused to. 
-Threaten to seize property from me.

-I spoke to an employee and they said send the receipt to operations and they'll cancel it. the employee sheena ( I wont put her full name ) disregards the canceled order and is still ordering me to pay.

-I requested this company to verify the debt they dont want to.

-I requested the company stop contacting me they disregard.