23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In May, this company had added 2 debts to my credit report, that had already fallen off due to being over 7 years old on my credit report. They never mailed me anything saying they were trying to collect the debt again, they just put it on my credit reports. The only time they had mailed me anything was after XXXX removed the debt, but before notifying me. I was mailed a notice showing they had acquired my debt, with instructions how to contact in order to pay, 3 days before experian notified me they removed the debt.
Product: Mortgage

Began refinancing process with InterContinental Capital Group XX/XX/XXXX. This refinancing is for my house as well as a duplex I own. I have worked with ; XXXX XXXX ( Senior Loan Officer ) XXXX XXXX XXXX ( Closing Processor ) XXXX XXXX XXXX ( Production Coordinator ) XXXX XXXX XXXX ( Loan Officer Assistant ) XXXX XXXX XXXX ( Loan Processor ) XXXX XXXX It is now XX/XX/XXXX and they have still not been able to provide updates on my loans! I cant reach anyone by phone and repeated request via email for updates get no responses. When they do respond, it is asking for more info ( today the asked for Social Security deposit statement for bank - which they ask for every single month ). Can someone help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting this account inaccurately by stating that it was voluntary repossessed '', XXXX does not have a signed waiver or any agreement at that that states that I gave them possession of my vehicle that I obtain extending my credit. I am making this complaint to make you all aware that XXXX and the consumer reporting agencies are causing substantial harm and ruined my reputation due to this inaccuracy of reporting. Pursuant to 15 usc 1681e ( b ) the consumer reporting agencies have a duty to keep my report accurate as they assumed this vital role 15 usc 1681 ( a ) ( 3 ). XXXX has knowingly report this false and misleading information because when I have call earlier their excuse to marking it as a voluntary repossession was not authorized by an written and or express agreement to do so. I value my reputation and entrusted XXXX and the consumer reporting agencies to keep everything accurate.
Product: Credit reporting or other personal consumer reports

I am absolutely appalled and deeply disturbed to formally highlight a series of appalling concerns regarding the recent XXXX data breach and its devastating impact on my personal and financial information. As you may be aware, XXXX has negligently allowed a significant data breach to occur, exposing the highly sensitive personal information of countless consumers, myself included. Additionally, I am actively involved in the ongoing class action lawsuit arising from this egregious breach. 

Violation of My Consumer Rights My profound discontent and outrage arise from the despicable breach and subsequent illicit dissemination of my confidential information, including but not limited to my name, Social Security number, and other intimate particulars. This reprehensible act constitutes a blatant infringement upon my legal entitlements enshrined within the esteemed Fair Credit Reporting Act ( FCRA ), the Identity Theft and Assumption Deterrence Act, and various state statutes safeguarding consumer interests. The sanctity of these legislative provisions is paramount in shielding individuals against the malevolent exploitation of their personal data and in upholding the imperative mandate for credit reporting agencies to furnish precise and current information.

Particularly, according to the FCRA ( 15 U.S.C. 1681e ( b ) ), credit bureaus are obligated to guarantee the precision and entirety of the details they disclose, and to eradicate any erroneous information from consumer reports. The infringement has jeopardized my personal information to the peril of identity fraud, and consequently, I am demanding prompt measures to rectify the inaccuracies and transgressions on my credit record. 

Class Action Lawsuit and Impact on My Credit Report Being a victim of the class action lawsuit against XXXX and other accountable entities, I demand restitution for the harm inflicted by the breach and the infringement upon my consumer rights. Apart from the overarching privacy and security transgressions, I am deeply troubled by the falsified portrayal of details on my credit report stemming from deceitful or flawed actions that potentially arose as a result of the breach. 

According to Section 605 of the FCRA ( 15 U.S.C. 1681c ), should any data on my credit report be determined as erroneous or inadequate, I possess the privilege to challenge it and petition for its elimination. Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) grants consumers the ability to have any deceitful or inaccurate entries expunged from their credit report in the event that they have fallen prey to identity theft. 

Request for Removal of Accounts and Late Payments
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Mortgage

On XX/XX/XXXX, Chase changed our monthly mortgage payment from {$1200.00} to {$1200.00} without any prior written notice or an escrow analysis. Chase misapplied our XX/XX/XXXX mortgage payment that was sent by USPS certified mail on XX/XX/XXXX and our XX/XX/XXXX mortgage payment that was sent by USPS certified mail on XX/XX/XXXX. As of XX/XX/XXXX, Chase has not provided an escrow analysis for changes to be made to our escrow payments.
Product: Credit reporting or other personal consumer reports

Despite numerous deletions addressing the improper use of my credit report through dispute resolutions and other measures spanning from XXXX  to the present, the persisting issue raises concerns under 12 CFR 1022.3 Definitions, where " Identity theft '' is defined as a fraud committed or attempted using someone else 's identifying information without authority. Any addition to my report without written consent could be deemed a form of Identity theft. This not only poses a threat to my consumer identity but also detrimentally impacts my creditworthiness, causing adverse consequences that extend to various aspects of my life. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies must carry out their significant responsibilities with equity, impartiality, and a regard for the consumer 's privacy rights. The entities in question, namely TransUnion, XXXX, and XXXX, function as consumer reporting agencies, with me being the concerned Consumer. I hold the right to ensure the confidentiality of my personal information, as supported by 15 USC 6801, which articulates Congress 's stance on financial institutions ' obligation to uphold customer privacy. 

Under 15 USC 1681 section 604 a section 2, it is specified that a consumer reporting agency may only furnish a consumer report based on the explicit written instructions of the related consumer. I wish to assert that neither the financial institution ( Furnisher of information to credit agencies ) nor the Consumer reporting agencies TransUnion, XXXX, and XXXX possess my consent for such information sharing, verbal, non-verbal, written, implied, or otherwise. All forms of consent to TransUnion, XXXX, XXXX, and ( Furnisher of information to credit agencies ) are hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of the nondisclosure option. Regrettably, ( Furnisher of information to credit agencies ) failed to apprise me of my right to exercise this nondisclosure option. Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a report without the consumer 's permission. The inclusion of such adverse information without my consent violates the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, furnishing inaccurate information to a consumer reporting agency is strictly prohibited. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies like TransUnion, XXXX, and XXXX to maintain reasonable procedures to avoid violations. It is evident that these agencies are not adhering to reasonable procedures. 

Finally, in accordance with 12 CFR 1016.7, I assert my right to opt out of your reporting services at any time.
Product: Debt collection

saw on my credit report I owed Resurgent Capital Services for XXXX XXXX  ( XXXX  XXXX ) credit card. Contacted company and spoke to XXXX XXXX who I told I had already paid this debt thru previous debt collect XXXX and XXXX, but tried to contact them and she informed me they went out of business but that she would resolve. Today I got a letter stating I owe XXXX to Resurgent on behalf of XXXX XXXX XXXX for the XXXX XXXX account that has been paid. I called and they said they were closed for the holiday ( it is XX/XX/XXXX ), left a message. I have the original paperwork that XXXX and XXXX sent me that they seeked a judgemnt thru XXXX XXXX court and my wages were garnished for the full amount of the debt showing on their paperwork. Now this new letter shows a different amount owed and since XXXX & XXXX went out of business or was shut down, I do not know how to prove this other than through my pay stubs which aside from the garnishment amount, I do not want to give them personal bank acct info- I need to know how to get this OFF my credit report as paid. It should be Resurgents responsibility to verify this debt, not me jump thru hoops showing it has been paid. this was done in XXXX per attachments, total garnished matches the paperwork for garnishment from lvnv
Product: Credit reporting or other personal consumer reports

I am writing to this company the 8th time to dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7 letter and dispute I have sent to this creditor along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditors violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 7th notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this creditor/company isnt honoring my identity theft claim. I am now pursuing litigation, I am suing this credit company, for AGGRAVATED IDENTITY THEFT, ILLEGALLY FURNISHING FRAUD ACCOUNTS ON MY CREDIT PROFILE, PAIN AND SUFFERING, AND DEFAMATION OF CHARACTER. This company did not honor my consumer rights as a citizen in America regarding my consumer credit file, this company ignored not 1, but 7 documented and certified complaints and letters regarding my identity being compromised. Under stated consumer rights law this company didnt protect, honor, or respect my claim and rights. I provided evidence, police reports, FTC reports, and supporting valid identity documents to verify myself throughout this 6-month process. This company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt. 

I DID NOT OPEN OR AUTHORIZE THESE ACCOUNTS, NOR WAS I INVOLVED IN ANY TRANSACTIONS ASSOCIATED WITH THESE ACCOUNTS. UNDER 18 U.S. CODE 1028 ( AGGRAVATED IDENTITY THEFT ), THE USE OF MY IDENTITY WITHOUT MY KNOWLEDGE OR CONSENT TO COMMIT FRAUDULENT ACTIVITY IS A SERIOUS FEDERAL CRIME. THIS COMPANY IS CONTINUING TO COMMIT A CRIME BY FUNISHING AND REPORTING ACCOUNTS UTILIZING MY IDENTITY WITHOUT MY CONSENT AFTER I MADE THIS COMPANY AWARE OF THE FRAUD, AND IDENTITY THEFT. THIS COMPANY BY LAW IS IN VIOLATION OF MY RIGHTS, AND THIS COMPANY IS A SUSPECT IN THIS IDENTITY THEFT CASE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. Equifax, XXXX, XXXX. Equifax has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and equifax refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both XXXX and equifax has removed these accounts and blocked them. Equifax has not completed this investigation in over 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly monitor my credit with   XXXX   XXXX  .   XXXX   XXXX    always shows you cards you have a good chance of being approved for and offers you to get pre qualified for loans, I just looked at companies I could get pre qualified for and that was it. I never agreed for my credit to be pulled. One Main Financial pulled my credit to approve me for a loan that I did n't want. I NEVER agreed for them to pull my credit and I never accepted a loan from them! I called them and explained this so they would take the inquiry off my credit. The people I spoke to were very rude and did n't care and basically said it was my fault and they were n't going to take it off. I filed a complaint with the BBB and they tried to contact them 3 times to resolve it but they never replied to the BBB. This loan company is sketchy and they are being too pushy with consumers for loans. I want this inquiry off my credit from One Main Financial that took my credit score down  XXXX  points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres inaccurate accounts and personal info on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XXXX XXXX, XXXX under account number XXXX, XXXX XXXX  on XX/XX/XXXX under account XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXXICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of a XXXX XXXX XXXX XXXX account and several inquiries appearing on my credit when I went to co-sign for my niece to purchase a car and I was denied. I looked through my credit report and I didn't recognize any of those inquiries or account. I have never opened an account with that company nor did I ever allow those companies to run my credit ; I do not have any contract or agreement with any of the companies listed on this report. At this time I don't know who opened this account or made these inquiries in my name without my permission but I have already filed a police report and notified the companies. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is currently showing 30 days late for the month of XX/XX/2021 and XX/XX/2021 as reported in 3 Credit bureaus. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding. Please investigate and reported the payment status positive and update all late from reporting on this account. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account Name : 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 XXXX5 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. 9 ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other than records of conviction and crimes which antedates the report by 7 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 delete these accounts.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX Account Number XXXX. I took another look at credit report, I just saw somethings that need some attention, concerning, this account, This late payment is reporting incorrectly, for example my Experian account is showing XXXX was paid on time, XXXX was XXXX  days late, and XXXX was XXXX days late, However XXXX shows XXXX was paid on time, XXXX was XXXX  days late and XXXX was paid on time, XXXX shows XXXX was paid on time, XXXX was XXXX  days late XXXX was XXXX  days late. This report is inaccurate, I pay my payments on time every month, please reinvestigate this account and update to Paid on time immediately thank you
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 and noticed some hard inquiries that did not have permissible purpose.I also attached evidence due to the misleading and misinformation of the bank employee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to the violation of 15 USC 1681b.
Product: Vehicle loan or lease

OPORTUN/XXXX XXXX Account number XXXX .... 
Recent balance {$7100.00} as of XXXX HAS REPOSESSED THE CAR, AUCTIONED IT OFF FOR MORE THAN OUTSTANDING BALANCE AND NOW STILL TRYING TO COLLECT ON THIS ALREADY PAID OFF AND COLLECTED BALANCE IN FULL. WHEN TRYING TO RESOLVE WITH OPORTUN THEY ASK FOR MY SOCIAL # PULL UP THE ACCOUNT THEN ASK ME TO VERIFY ACCOUNT NUMBER WHICH I CAN'T BECAUSE IT IS A VERY OLD ACCOUNT AND SHOULD NOT HAVE ANY BALANCE TO BEING WITH ... OPORTUN IS NOW CALLING MY HOME, WORK AND RELATIVES THREATENING TO ARREST AND TAKE LEGAL ACTION IF BALANCE IS NOT PAID EVEN THOUGH THIS IS A 5 + YEAR OLD ACCOUNT ISN'T THIS ILLEGAL TO DO??
Product: Vehicle loan or lease

this car was repossessed in XXXX this company is showing on my credit report that I have a balance of {$7300.00}. I was never notified by westlake Service Inc, of the Repossession nor was I notified of the deficiency after sale. I didn't receive notification of my right to cure. 

It is also showing as a chargeoff if it is a chargeoff send a XXXX. The balance on any reported account should be XXXX. This is in violation of the United States tax code