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

I recently received a copy of my XXXX, TransUnion and XXXX consumer/credit report for the first time just to check to see if everything was reporting accurately. I noticed a few accounts on my consumer report that I did not give written authorization to report. On top of me not giving authorization I also noticed that the accounts on there are reporting my transactions and experiences with me ( the consumer ) and the companies which is against the law ( 15 U.S. Code 1681a ) Consumer report EXCLUSIONS ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; With that being said, I need these AGENCIES to immediately stop reporting my personal and financial information without my written consent and without following the proper guidelines to furnish a consumer report and demand that these accounts be removed from my consumer report/credit report. 

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

My credit report is still reflecting XXXX and 60 day late payment history for GM financial. I contacted the company to discuss this inaccuracy and they agreed that they were wrong and would remove when I paid the final balance due. I paid the final balance which was not a payment but for a excess wear and tear charge from GM financial which I never received a physical notice in regards to owing and extra money. This is a serious breach of their contract and I will XXXX need to discuss possible litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is reporting a debt of {$520.00} owed for a XXXX Account that is not mine. Not only is this debt not mine any accounts opened prior to XX/XX/XXXX should have been addressed in my federal Bankruptcy filing on XX/XX/XXXX. Neither XXXX nor XXXX XXXX at the time contacted myself, my attorney nor the The Federal court. By law if XXXX XXXXXXXX purchased this debt from XXXX they had a legal obligation to mail documentation notifying me of any debt owed, XXXX XXXX did not do this. Nor have they provided me with any proof that a debt is owed to them. XXXX XXXXXXXX has violated numerous section of the FCRA. I worked really hard to deal with any issues with my creditors during bankruptcy. XXXX had a obligation to show up and collect any debts they feel were owed. They did not. Also I have a current account with XXXX and if a debt was owed to XXXX it would have been due prior to activating services. XXXX XXXX is attempting to fraudulently collect money they are not owed. XXXX XXXX XXXX has until XX/XX/XXXX to remove this debt from all reporting or my attorney XXXX XXXX will be filing charges against XXXX XXXX and XXXX on XX/XX/XXXX. This is my final warning to XXXX XXXXXXXX, XXXX and all Credit Agencies you have 30 days to remove this or we will go to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, acct no.XXXX and XXXX XXXX XXXX XXXX  acct no. 
XXXX are two collection accts showing on my XXXX and XXXX credit reports. 
on EQUIFAX ONLY security credit services llc acct no XXXX is showing as a collection with no balance. 
ALL ARE INACCURATE FOR THE FRAUD OF THE ORIGINAL CREDITOR.EACH ACCOUNT IS FOR THE PURCHASE OF A SOFA.IN BOTH CASES THE SOFAS WERE CONSTRUCTED DEFECTIVELY AND BEGAN TO COME APART WITHIN THE 1ST 30 DAYS OF PURCHASE.WITHIN 90 DAYS THEY HAD TO BE DISCARDED AS REFUSE. 
I APPROACHED THE ORIGINAL CREDITOR IN PERSON REGARDING THIS SCAM. 
LIKE THE FRAUDSTERS THEY ARE THEY OFFERED ME A XXXX DOLLAR CREDIT ON EACH SOFA WHICH I REFUSED.
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 TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, 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 creditor/CA 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Action collection XXXX idaho. They have added over XXXX in interest violating the fair debt collection practices act. This was a utility bill from XXXX XXXX and I've contacted the XXXX police and I moved out on XX/XX/XXXX but was charged till XXXX XXXX XXXX
Product: Debt collection

CKS PRIME INVESTMENTS XXXX Collection account. {$690.00} past due as of XX/XX/2020 XXXX XXXX XXXX XXXX I have tried to dispute this information with CKS prime investments and the XXXX XXXX XXXX. I have no idea what this collection is. I am assuming a credit card from what I have investigated. 
CKS PRIME INVESTMENTS XXXX Collection account. {$800.00} past due as of XX/XX/2020 XXXX XXXX  I have tried to dispute this information with CKS prime investments and the XXXX XXXX XXXX  I have no idea what this collection is. I am assuming a credit card from what I have investigated. 
If I need to file a police report I will. I did not open these credit cards. These are fraudulent.
Product: Vehicle loan or lease

Well I had many problem with this Company starting in XX/XX/2020. The finance company decide to shut down the web-site. We  could not make our payment in time. Our payment is due every month on the XXXX of each month. The web-site was down from the XX/XX/2020 until XX/XX/2020. But we went on vacation from the XX/XX/2020 until XX/XX/2020 so soon we got back i paid my XXXX cents. But the finance company still charge us XXXX dollar late fee. Even there knew that this company did wrong. charge us late fee it was them to decide to shut down the web-service. But anyway in XX/XX/2020 we paid the finance company XXXX and in XXXX we paid XXXX this month we paid only XXXX even our payment is only XXXX a month. Through the corona-virus the situation even got worst. The company offer a 120 days payment delay what would be terrible you still own all the finance charges in my case by 16.78 % I would own XXXX just on finances. It would take me just 4 month to pay for all finance charges. The other is I use 5 different Auto loan software to calculate my loan. Loan amount is XXXX by 16.78 % and 72 payments every loan give me XXXX. How did ally Financial figure XXXX. It is my believe that this amount is incorrect and it should be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal notice and complaint for the harm caused by Equifax, XXXX and XXXX  on my file. I have discussed with a credit reporting attorney and he has clarified to me that all 3 credit reporting agencies have failed to follow the compliance requirements of the Metro-2 format. I am writing this because I have attached a letter that describes the non-compliance that is evidenced by the 3 credit reporting agencies.

AND PLEASE UNDERSTAND THAT I AM ON XXXX AND HAVE A HARD TIME PURSUING THIS!!!!! 

I HAVE CONTACTED A SPECIALIST AND I AM FILING THIS ON MY BEHALF. I DO NOT WANT ANY STALL TACTICS PERIOD!!!
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized hard inquiry listed under my name. I have no recollection of authorizing this inquiry nor do I have any existing or prior relationship with the aforementioned creditor.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized hard inquiries Equifax has on my report with XXXX XXXX. Which I dont know what that is and I see that they have it down twice and also they have a company called XXXX XXXX which I dont have no knowledge of what that can be. I sent the company documents back on XX/XX/23 which Equifax explained to me they will investigate it, it would take 7 to 10 business days or 30 days for them to find out about this. Which its been 30 days, I still see both companies on my Equifax which Equifax fail to remove this hard inquiries along with the documents I sent to them!
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX SS # ENDING IN XXXX
Product: Credit reporting

Seriously Equifax , ca n't you just obey the law and end this back and forth, if you are XXXX that you were wrong, I 'm sure your health insurance has a XXXX to help with that. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have sent you nothing proving these debts are mine. In a call to all XXXX on XXXX XXXX, 2016 they confirmed it. You are breaking the law and I will do everything in my power to get my identity back.
Product: Debt collection

{$25.00} debt incurred on XX/XX/XXXX. Debt thought to be resolved with XXXX XXXX after speaking with billing department they were going to re-bill insurance as insurance company had not paid bill correctly. Instead bill was sent to collections XX/XX/XXXX. Spoke with insurance, they paid bill in full and debt was removed from collections XX/XX/XXXX. Bill sent to collections by XXXX XXXX again XX/XX/XXXX.
Product: Debt collection

Company sent a debt collection letter with no proof of any balance statement leased payment or proof within 30 days. Contracted them for proof and they havent sent any supporting document. They have added this to my credit report.
Product: Vehicle loan or lease

In XX/XX/XXXX, Capital One refinanced my auto loan from XXXX XXXX XXXX and I submitted my power of attorney document to facilitate the title transfer. From XX/XX/XXXX through XX/XX/XXXX, I did not receive communications from Capital One subsequent to the refinance date. I called customer resolution numerous times up until XX/XX/XXXX to ask why hasn't the paper work been completed. I was finally told Capital One has not received my title. I contacted the prior lender and was told Capital One never requested my title be sent and in XX/XX/XXXX Capital One received my title. 
Two weeks after that Capital One requested my vehicle registration which was sent in and was told the paper work is finally being processed. Now, on XX/XX/XXXX, Capital One sent me an email saying my Power of Attorney document was rejected and no explanation was given, I contacted customer resolution to get an address to file a Legal complaint because I don't understand after 5 months and counting my title paper work is not finished and I'm driving an unregistered vehicle. I need help getting Capital One to complete this refinance process and feel this process has been Unfair and Deceptive.
Product: Debt collection

Submitted claim on XX/XX/2023 for identity theft on the amount of {$8000.00} Discover claims : We found you liable for the transactions for the following reasons : Multiple fraud claims with like transactions. Valid payments are made on account without disputing balance when card is near limit and the credit from the payment allows transactions to go through. Valid keyed and/or swiped transactions mixed with fraud transactions. Claims made of not traveling in or near where the fraud took place, however login sessions or IP address reports back in the area the fraud transactions occurred. 

However the account 's information was stolen through cloning, online banking data breach, and/or social engineering. IP address faked using VPN. I did not consent to having my card and funding used to pay for these things, and have evidence to support my claims that these transactions are not valid.
Product: Checking or savings account

I am experiencing repeated FRAUD, involving my checking and savings accounts, with {$150.00} dollars unaccounted for, involving my checking account, during the past four days, and inability to use my ATM debit card, suggesting both THIEVERY, EMBEZZLEMENT and FRAUD.
Product: Debt collection

On XXXX XX/XX/2021, I got a letter from Fraud investigation department : we are writing to inform you that we completed the investigation on your Macys American Express card account. As a result, we removed the disputed charges and any related fees and interest charges from your account. 
But until today they keep sending to me the debt up to {$1000.00} I did call them, they said they dont know about any letter that I told them, on XXXX and XXXX XXXX they investigated again, and I have to pay the balance I sent them that letter, but nobody take care my case, I call them more than 20 times, everytime it took me 3 hours for them to transfer my phone calls around departments, one day a man told me : he will clear my debt, but now the debt still there I did talk to a lot of people when I called in, finally no one help me out Today, one man told me, the letter I have, it s long time ago, no value, I have to pay the debt, Im so stressed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a 90 day late payment in XX/XX/XXXX. My student loans were and have been in income based payments during the time with a payment of {$0.00}. To make matters worse, although XXXX accepts payment as one loan, it is reported as 5 different loans, therefore all 5 show late payments. I have requested that they remove the reporting of the late payment ( since I can not possibly be late on a {$0.00} payment ) to no avail. 

I have also disputed the information with the credit reporting agencies without success. 

Interestingly, Nelnet has mailed information to an address that I lived at from XXXX  XXXX-XXXX  XXXX  in Michigan. I did not give them the address and I did not even attend college until XXXX. I have not lived in Michigan since XX/XX/XXXX, nor provided that address to any company or individual since that time.
Product: Mortgage

Applied for Loan Modification on XX/XX/XXXX. Sent additional documents on XX/XX/XXXX. Called XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to follow up. Was told that file was marked complete on XX/XX/XXXX. 

My hardship finances started before XXXX. Received forebearance during XXXX but had difficulty since i XXXX XXXX, my employer, reduced manpower 30 % for XXXX. Also I had to place my mom, co-owner of the mortgage, in assisted living XXXX, XXXX due to her health and falls. She had XXXX XXXX XXXX since XXXX. I am able to take care of my mom and not have her in assisted living which will allow more income to pay for the mortgage. 

I have a foreclosure date of XX/XX/XXXX.
Product: Credit reporting 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 XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Account name : XXXX XXXX XXXX, XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Account name : XXXX XXXX XXXX : XXXX This account should not be on my account. Delete this completely from my account. Delete this reporting due to violation of 15 USC 1681b And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Debt collection

I called XXXX XXXX XXXX to find out where they bought a debt or received it from because it's already been removed for fraud/identity theft
Product: Credit card

Synchrony Bank ( working for XXXX ) is not giving appropriate time to receive my billing statements & for me to return payment before they are charging {$40.00} late fees. Synchrony Bank customer service & their supervisor say that they are only required to mail my bill 20 days before the due date, but it is taking 10 days for me to receive the statement. Then, I mail the statement back with payment with 2 days of receiving it ( which is not always feasible if I am traveling or it falls on a weekend ), and then they are taking up to 10 DAYS TO PROCESS THE PAYMENT!! They seem to deliberately be delaying the process, and then THERE IS NO GRACE PERIOD AT ALL before they charge a {$40.00} late fee on a {$200.00} payment/installment. They have charged me {$120.00} in fees in the last year and a half, and I have made every attempt to send my statement back within a couple days of receiving the bill. Customer service was no help at all and said they are n't even required to send me a statement?? I think they are intentionally dragging their feet on processing payments to charge huge late fees!!
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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