23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I sent a certified letter of request to all XXXX CRA 's in XXXX, XXXX, to remove from the record a XXXX, XXXX, Chapter XXXX bankruptcy. I based this request upon having first disputed the public record in XXXX, XXXX, to verify the public record, and then again in XXXX, XXXX ( Experian XXXX ), as to its source of verification. All three CRA 's stated that each has verified the source that furnished the information and that " the public record is reporting correctly. '' I then reached out to the US Bankruptcy Court of Arizona to request how it reports bankruptcies to all three CRA 's. I received a detailed letter dated XXXX XXXX, XXXX, from the Deputy Clerk of the US Bankruptcy Court of Arizona, XXXX XXXX, in which he states that " the bankruptcy courts do not provide information to the credit reporting agencies, '' and credit reporting agencies and " other providers '' get their information gleaned from public notices. I sent a copy of this letter to each CRA, along with a copy of the FTC-FCRA Opinion XXXX legal statute generated as a result of matters such as this in which CRA 's argue each has verified the public records with the source, but the actual sources argue they never furnish public record information to any of the CRA 's. When I called on each CRA to immediately remove my bankruptcy public record as a result of the letter from my bankruptcy Deputy Clerk and the legal statute protecting consumers from false information being reported by CRA 's, only XXXX deleted the bankruptcy public record. Both XXXX and Experian, although promptly responding within 30 days to my certified letter request to remove the bankruptcy public record, as a result of my written request denied it with only a result of that the record remains, and that " I must contact the furnisher of the information. '' Frustrating! Aaaaargh! However, again, I did this to begin with -- hence, how I received a letter from the US Bankruptcy Court of AZ in the first place stating it does not furnish information to the CRA 's, and so I provided a copy of this response to each CRA. Again, only XXXX promptly deleted the public record. Both Experian and XXXX either will not or denies there is enough evidence from me to have them delete the record. XXXX even went as far as to state, over the phone, that I need to have a legal letter of expungement from a court to have this public record deleted. This is absolutely false and untrue. This is a direct violation of the XXXX FTC-FCRA XXXX legal statute protecting consumers. Each CRA has a copy of the letter from the US Bankruptcy Court of AZ. What more damning evidence does Experian and XXXX need before it promptly and legally deletes this public record from my credit reports? I am simply dumbfounded by what I can only construe is arrogance and a staunch stance by Experian and XXXX to not remove this public record in spite of evidence showing each has lied or misrepresented itself and thus is refusing to acknowledge the XXXX FTC-FCRA XXXX legal statute regarding my dispute as well as the letter from the US Bankruptcy Court of Arizona.
Product: Credit card

I have completed and returned a Fraud Affidavit that TD Bank/Target sent to me 2 months ago. To date, this account is still showing on my credit file. I have sent the Fraud Affidavit to XXXX and XXXX. Please help me to get this matter resolved. This account was a lost/stolen account that I reported to TD Bank.
Product: Mortgage

I have read about the Mortgage Forbearance Program being offered by the Federal Government under the cares Act I read the articles & I contacted my Mortgage Servicers & I requested participate in the Federal Forbearance program & I was told by the Servicer that there is no such program being offered, But they have an inhouse program, & I would have to make the entire payment missed once the 90 days expired, I refused their offer, I went online & I read the Cares Act & the specifics regarding the Federal Forbearance program, I called  again & spoke with a supervisor & was told the same thing which is contrary to the Forbearance program approved by the Federal Government, They are giving incorrect information to the public,
Product: Vehicle loan or lease

we purchased our car XX/XX/2023, we have made all payments and the amount will go down but go right back up the next month. it's like we have made no payments. We financed it for {$16000.00} and the current payoff as of today XX/XX/2023 is XXXX. We have only reduced the amount by {$100.00} in XXXX  months. This is over doing it. If we are even a day late due to paydays we get hounded by phone calls. We should have paid more than that. When we bought the car we were told the drivers headlight would be replaced due to it collecting water and causing bulbs to blow. When I went to set up the fix I was told the person who told me no longer works for the company and no one has made any attempt to fix it. my main concern is the loan itself. this needs to be adressed because consumer portfolio is ripping people off badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, BK OF AMER add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 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. 

This inaccuracy is stopping me from wanting to get a new home for my family.
Product: Debt collection

Hello, I do not recognize the company who is suing me. I do not owe them any money. Someone named XXXX XXXX has tried numerous times to sue me for a debt he bought over 10 years ago. I am not sure if this is the same person. I have not received any court documents. The first I am hearing of this latest law suit is today when the company took {$2200.00} from my checking account leaving me with very little money to pay my bills. It is this same person who was eventually sued by someone else and he had to stop trying to collect from people. He is trying to ruin my credit and my finances. The company Unifund CCR , LLC, XXXX XXXX XXXX, XXXX, OH XXXX is the company that sued me. They can not legally sue me for a debt that I did not take out with them and that is over at least 10 years old, perhaps 13 years old. I need him to stop once and for all. 

The garnishment was dismissed on XX/XX/XXXX. Five years later on XX/XX/XXXX, a certificate of judgement was filed. Almost 3 years later, an aid of execution was filed by the garnishee. It indicates that I was served on XX/XX/XXXX. I never received anything. I moved over a year ago by then but the XXXX County Clerk of Courts says that I received. On XX/XX/XXXX, it indicates the answer of garnishee was filed. I was not privy to that either. On XX/XX/XXXX, the garnishee contacted my bank to take my money. I still have not received any mail. The company or the clerk of courts in XXXX County Ohio can produce any documents stating that I signed anything acknowledging receipt.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

COLLECTION # XXXX XX/XX/XXXX -- {$360.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

Per Department of Edu and servicer statement should have been received XXXX  days prior to the first due date after the repayment pause. This did not occur, first payment due XXXX and email with statement received XX/XX/XXXX. Shows made available on servicer 's portal on XX/XX/XXXX. Also received email confirming auto-payment improperly formatted to the point it was missing the scheduled date for withdraw. The discount for having the loans on autopay is also not made clear that it is applied to the interest calculation.
Product: Debt collection

The name of the company is called Kickoff. A girl that I know got my personal information and started taking credit cards and loans out in my name. XXXX XXXX XXXX XXXX for some of the credit cards that were taken out. I reached out to the company and they claim that I took out this credit line. I have no way of logging into the account or gaining access to anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts and inquiries listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPLOITATION BY AMERICAN XXXX STORE AND AMERICAN XXXX XXXX This is to lodge a complain in respect of the purchase made at the worth of {$1300.00} in XX/XX/XXXX. 

At the point of the contract, I requested for a one year interest free loan, of which I was made to know that I only qualified for a-three month interest free loan, which I agreed to. 

Sequel to this, an authorization was given by me for automatic direct deductions from my bank account within the stipulated period of three months by the company. 

I have not been paying attention to the deductions from my account to know that the company has deducted more than the exact amount needed to be deducted. A mail was received yesterday, XXXX XXXX, XXXX in respect of deductions to be made on XXXX XXXX, XXXX and I pulled a call across to the company only to discover that the said company has deducted {$1500.00} and still expects me to pay a balance of {$1500.00} which is will make the total money a sum of XXXX, making it an excess of {$1800.00}, which is unwelcome by me. 

I wish to request that the company should refund the excess deductions made from my account, as they purposely spread out the loan beyond three months agreed on, for their own selfish interest which is summarily to me a deceit. This is an unfair business transaction and they are exploiting American citizens by being deceitful and manipulative. 

Thank you in advance for your timely intervention.
Product: Debt collection

On XX/XX/2019 I cancelled my auto insurance policy with XXXX XXXX. I understand I owe XXXX the amount of : {$44.00}. On XX/XX/2019, I received a letter from Credit Collection Services stating I owe XXXX {$210.00}. On XX/XX/2019 I called XXXX, spoke to XXXX at XXXX who confirmed that the only outstanding balance with XXXX was : $ XXXX XXXX conducted a search which went back 10 years. I do not appreciate this XXXX XXXX calling me daily, every other hour, and reporting this false information to all 3 major Credit Reporting Agencies. I would like to request an investigation, and to have this removed from all 3 Credit Reporting Agencies.
Product: Checking or savings account

Truist Bank has withheld XXXX for over a month. 
They closed my account saying that the bank had ended its relationship with me. They say that the fraud department is investigating but they have the money because they cashed the check more than a month ago and causing me to fall behind on payments.the ask for my house deed and the insurance claim last paper. they ask is bank statement of company sutmit the check
Product: Credit reporting or other personal consumer reports

This complaint is to formally advise XXXX XXXX XXXX XXXX XXXX that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second correspondence and I have had no correspondence back from your company in over 45 days. Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to Transunion is not the same balance that I had with the original creditor. Whatever liability I had with the original creditor has since been satisfied and that is why XXXX and XXXX is not reporting this inaccurate information. This complaint will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased/forward flow agreement. Per the CFPB, I have this right as a consumer. 

-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. The dispute letter sent on XX/XX/scrub>XXXX  is attached which is dated and time stamped for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) that resulted from a short vacation in XXXX XXXX, XXXX. I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, and they were unable to provide me with any proof otherwise.
Product: Mortgage

Specialized Loan Servicing sls.servicingloans.com XXXX XXXX XXXX # This company drafted a payment in the amount of {$1600.00} from a bank account WITHOUT authorization, and also the payment was taken form a bank account that belongs to another business. This happened in the past already!!! They serviced other loans in the past, we own several XXXX  that own XXXX XXXX. Not only did they mix up the bank account but also they drafted payment without authorization at least twice. This mistake messes up our accounting and it also has tax consequences!!! This is unacceptable, they MUST follow regulation, train their personnel or get out of the market.
Product: Credit reporting or other personal consumer reports

I ask the credit bureaus to verify these accounts they verified these accounts saying they were Accurate I check my credit report and they still showing incorrect also XXXX and Experian nonexistent no response this is not my first Attempt resolve this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Validate Account In Accordance with the Fair Credit Reporting Act XXXX  # XXXX Has violated my Rights 15 U.S.C 1681 Section 608 A. States I have the right to Privacy.

15 U.S.C 1681 Section 608 A. Section 2 it also States a consumer reporting agency can not furnish my information without my written instruction.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting XXXX XXXX accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Item in my credit report are double and older than seven years. Also there are item listed in my credit report wich state that I recently open accounts and thats not true.