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

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Received first letter from XXXX XXXX XXXX dated XX/XX/XXXX requesting payment for a debt from original Creditor: FLEXSHOPPER LLC For the amount of $XXXX. this is not my debt and I have had no contact with FLEXSHOPPER.  I then sent within 30 days a letter to them stating that this is not my debt. #1-I asked for full name and mailing address from the original creditor for alleged debt. #2-i request documentation showing you have information that i am responsible for this debt. #3-Documentation showing you are licensed to collect debts in my state. I also asked them to cease trying to collect this debt. I then received a second notice on XXXX XXXX XXXX from a second agency XXXX XXXX   for a second attempt to collect on the debt from FLEXSHOPPER LLC. in the amount of $XXXX.  I sent a second letter to XXXX   within the 30 day period requesting the same information and asking them to cease their attempt at collection on XX/XX/XXXX I received a letter from the XX/XX/XXXX program manager which included a copy of the FLEXXSHOPPER LLC RENTAL-PURCHASE AGREEMENT/LEASE for the alleged debt. The address of the original purchase does not belong to me. The Bank account associated with this clam does not belong to me. THIS IS NOT MY DEBT and i would like this resolved so it does not affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive included a copy of my credit report this alleged account closed 2019 and every month since then Experian has been reporting a charge off status which caused my score to drop how could you report a charge off status on a closed account monthly thats damaging my score drastically and according to fcra accounts should report accurately please remove account from report
Product: Credit reporting or other personal consumer reports

on XXXX  I pulled m y credit report from the three credit bureaus and discovered that Mr. Cooper reported my mortgage as 30+XXXX late however I am participant of the XXXX XXXX XXXX XXXX XXXX  which advise mortgage providers to not report participants as late considering that payments are submitted in bulk and take processing time. To my dismay I discovered that MR. Cooper continuously submitted inaccurate information to the credit bureaus even after have a notation on my account to not do so. Mr cooper submitted over 10 months of late payments to the bureaus. I was approved in XX/XX/XXXX to be a participant in the home owners assistance program. I want the correct information sent to the bureaus so that my credit report reflect accurate reporting regarding my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still this item is visible on my credit report. This is so unbelievable! How can you guys let these multiple complaints pass? I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. I have sent my documents, the FTC report I filed on their website and the Police Report which I filed on my local Police Department to make things clear that I am an IDENTITY THEFT VICTIM. PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance $ XXXXLate/Closed Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022 it's been well over 30 days, I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that I had to call the Credit bureau about this problem cause the company couldnt help me
Product: Mortgage

This is the second complaint. 
We have been trying to resolve this issue since XX/XX/2021. 
Til this day we have not received some documents they said they sent out in XXXX. 
Today XXXX XXXX I called and said they have not yet sent out any documents. 
They have to review AGAIN. This has been back and fourth since XXXX. 
On XXXX XXXX We made the first payment after modification to be held in suspense account. So it can count as first payment well now they said to not make the payment until the papers come in. WE NEED TO RESOLVE THIS ISSUE ASAP IT IS AFFECTING EVERYTHING. WE ARE TRYING TO BE OUT OF THE FORECLOSURE AND CONTINUE PAYING OUR MORTGAGE REGULARLY. 

this is ridiculous
Product: Credit card

Upon completing balance transfers to my XXXX U.S. Bank credit cards within the limits of the transfer requirements I was informed that my credit cards would be closing after review upon determining I have put the bank at risk by repeatedly, reporting my cards, lost or stolen, which is patently, false, as I have had the same credit cards for years with no reports of them having been lost or stolen, and all my payments are on time, and I always pay over the minimum required amount. I feel that because I revealed that I am on XXXX they fabricated this excuse as a means of discriminating against my protected class as a US citizen, incapable of performing job functions while undergoing XXXX medical treatments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraudulent/inaccurate accounts appearing on my credit file. I have sent complaints to the credit bureaus for the last 120 days and my issue was not resolved. My rights as an consumer are being violated according to the Fair Credit Reporting Act. My general reputation is being tarnished which is hurting my ability to obtain credit. I am XXXX XXXX and financially, I will seek remedies if my issue is not resolved immediately. The credit bureaus have failed to resolve my issue which I was more than patient in waiting for a resolution so I filed a complaint with the Federal Trade Commission for fraud. The fraudulent/inaccurate items are still appearing on my credit file and I need them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Accounts and inquiries listed below and in the the Identity Theft Report attached are all fraudulent accounts that were opened with my consent. 

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

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested method of verification multiple times of Bankruptcy ( never received, also sent proof that this was not verified but still reporting on credit report inaccurate and damaging my credit as well as potential jobs. 
Late payments and collections reporting inaccurately however investigation of inaccuracies refused which is time consuming and damaging, reports filed one XXXX against companies already. 
However at this time I am requesting a complete and through investigation of these accuracies with information on the verification of the damaging information.
Product: Vehicle loan or lease

Westlake portfolio management had purchase a lending portfolio from the original company I bought the car from. Was not notified by the original company at all. Continue to make payments to them. Received an email from westlake after reaching out to the I found out they now help the loan note. They also informed me that I was two payments behind. I explained the I made the payments to the other company a could provide proof. Was told it didnt matter but the would work with me on getting caught up. After make my regular payments plus extra to get caught up. I was only one payment behind. Talk to the company they said they could move a payment to the back of the loan to bring me current. For a {$50.00} fee. After I pay the fee in mid XXXX XXXX XXXX  Which was supposed to make my account current. The car was repossessed the first week of XXXX. Contacted them was told I would have to pay just over {$1200.00} to get the car back. Even though I was not late at that point. They sold the car at auction the following month. At first the proceeds of the sale were taken off my balance. Then went I tried to contact them to figure out the balance owed to make arrangements they said I still owed the whole amount. They refused to honor the stipulation of the loan contract and reduce the amount owed for the lease under the loan contract. They are trying to charge me a monthly lease along with a monthly rental fee on the car. Which I no longer have. The first time I disputed it with the credit bureau for the payment discrepancies. They removed the data showing the car was repossessed added back on my report the amount from the sale of the repossession making my balance higher. Every time I dispute it and send over evidence showing the information is incorrect. They report back more inaccurate information damaging my credit report. The XXXX was will remove it from my report. The other XXXX credit bureau keep letting them change it. They violate the terms of their own contract, there is no truth in lending agreement on the contract. On that alone it makes the contract not valid. This is a predatory loan. The only thing I wanted was them to honor the terms of their own contract so I could pay it off they refuse to do that and expect the whole amount to be paid in violation of the contract. I want my rights protected and can not seem to any protection under the laws meant to protect consumers from these types of companies
Product: Payday loan, title loan, personal loan, or advance loan

I bought some furniture and applied for a loan through Koalafi. I made all of my payments on time. I wanted to pay off my loan early though so I can get the cheap cash price option. I went into payment portal to see the payoff amount and I paid it. It was a little over {$1500.00} or so. A couple weeks later they end up telling me a owe them a few thousand more because I missed my early payoff window. Somehow their payment portal processed a payment with no way of me knowing and it changed the payoff amount. They would not work with me to make things right and were trying to force me to pay another $ XXXX {$3000.00}. I told them they had to fix their mistake or I would file a complaint. They didn't fix it and now its affecting my credit. So here I am filing a complaint because I don't owe them anything. The company is a sham.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid-19 forbearance program regulations SEC. 4021. CREDIT PROTECTION DURING COVID19 states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report I want removed because I am a victim of Covid 19 and legally you should not have put them there.
Product: Credit reporting or other personal consumer reports

Subject : Denial of Access to Account and Dispute Resolution Rights- Financial Harm Complaint : I am filing this complaint against Equitable due to being locked out of my account for an extended period of approximately 4 YEARS. As a result, I am unable to access my account, manage my finances, or submit disputes regarding errors or issues, which is causing ongoing financial harm. 

This situation violates my rights under several laws and regulations, including but not limited to : 1. Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693 et seq.

Under the EFTA, financial institutions are required to provide consumers with the ability to dispute unauthorized transactions and errors within their accounts. By locking me out of my account, Equitable is denying me the ability to exercise my dispute rights, a direct violation of EFTA provisions and its implementing regulation, Regulation E.

2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

If Equitable is reporting negative account information to credit reporting agencies without allowing me to access or dispute the account, it may be in violation of the FCRA, which requires accurate reporting and the opportunity for disputes. 
XXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) - Dodd-Frank Act, 12 U.S.C. 5531.

Locking me out of my account and denying access to dispute resolution mechanisms constitutes an unfair and abusive practice, as it causes significant financial harm, is beyond my control, and denies me the ability to manage and protect my finances. 

Details of Harm : I have been unable to review transactions, check balances, or address potential errors or unauthorized charges. 
I have incurred multiple hours wasted trying to correct the issue, severe financial harm, lack of credit opportunities, undue stress, and health issues due to this issue. 
Equitables failure to provide access and proper dispute resolution has severely impaired my financial stability and caused unnecessary stress.

Requested Resolution : 1. Immediate restoration of access to my account.

2. Allowance to submit disputes for all affected transactions within the time frame I have been locked out.

3. Compensation for financial losses incurred as a direct result of this issue.

4. Review of Equitables policies and practices to ensure compliance with consumer protection laws. 
5. Remove all XXXX XXXX accounts that are negative as they are preventing me from the pursuit of liberty and have caused major financial harm as a result of their negligence. 

Conclusion : Equitables actions are unlawful and harmful, violating federal regulations designed to protect consumers. I request the CFPB investigate this matter, ensure compliance with applicable laws, and assist in securing a resolution to my complaint.
Product: Mortgage

In the past few days I received a notice as seen as attached shows my equity line of credit all of a sudden for NO reason is changing my account number. There is no reason for this change in this notice and I am Very concerned of the unmentioned reason. Whereas I hav e a Superior Court c omplaint against my primary mortgage and am struggling with the primary mortgage loan meaning my fight in court. I am grossly concerned as to of why and or if this account number change in just days, on this other loan with Chase Bank  may  Possibly have something to do with my court complaint. Can the CFPB look into this account number change if it is legal? or some hidden intent to affect my legal complaint against Chase Bank with my primary loan? or cause me some financially related problems ahead in any way shape or form? I have noticed on my primary loan whenever there is an update of any kind it many times causes me problems, or something turns out to be wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation credit card payments not late XXXX XXXX FCRA Violation other loans not mine REGIONS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation hard inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX FCRA Violation installment not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation personal information not mine XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

This complaint is regarding an update on XX/XX/year> for File Number : XXXX. I am disputing the account reported by XXXX XXXX XXXX ( Account # XXXX ) on my TransUnion credit report. This account lists The XXXX XXXX XXXX  as the original creditor with a balance of {$1000.00}, placed for collection on XX/XX/year>. TransUnion recently completed an investigation and " verified '' the information as accurate. However, I strongly dispute this conclusion for the following reasons : First, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am entitled to a thorough and accurate investigation of any disputed information on my credit report. XXXX XXXX XXXX has failed to provide the necessary verification of this debt, including proof of assignment or transfer from The XXXX XXXX XXXX. Without verification, this debt can not be deemed accurate or valid, and the account should not remain on my report. Second, I have never had a creditor relationship with XXXX XXXX XXXX. The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e prohibits debt collectors from using false or misleading representations to collect any debt. Without proof that XXXX XXXX XXXX has the legal right to collect this debt, their reporting of this account is misleading and inaccurate. Additionally, there is no outstanding balance of {$1000.00} owed to The XXXX XXXX XXXX, and The XXXX XXXX XXXX  is not appearing on my TransUnion credit report for any such balance owed. Reporting this inaccurate balance violates FCRA 15 U.S.C. 1681s-2, which requires data furnishers to provide accurate and complete information. TransUnions failure to correct this error despite the lack of verification by XXXX XXXX XXXX undermines the accuracy of my credit report. For these reasons, I am formally requesting that TransUnion delete this collection account from my credit report immediately. I also request written confirmation of this deletion once completed. If this matter is not resolved promptly, I will proceed with filing additional complaints with federal agencies and consider legal action for non-compliance with federal law. Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Debt collection

XXXX XXXX This is a workers comp claim which both me and my workers comp specialists have reach out to the hospital to submit there claim form but they keep sending me collections letter
Product: Vehicle loan or lease

Went to a dealer, who unknowingly raised the price of the vehicle for about XXXX on me after I had given them a XXXX down payment in the vehicle. They knew I was XXXX cause my income is XXXX, I just went through a bankruptcy in 2019, and had a low credit score. They happily told me I was approved and quickly had me in finance to sign paperwork. So excited that I actually got a loan, I quickly signed. Not realizing the dealership raised the price of the car they listed it for for the amount of my down payment I just paid them for a down payment of the XXXX loan I thought I was getting. The loan was actually for XXXX. I tell the finance company this and they want proof of what the dealership listed it for, which is no longer in the internet. The dealership tried to charge me for taxes and tags again when they had it in the loan. XXXX XXXX who I financed the car from will not investigate this dealership or help me. Im on limited income of XXXX a month XXXX and my monthly car payment is XXXX a month. I need help!! The car dealership is XXXX in XXXX XXXX PA. The finance company they used to give me the loan is XXXX XXXX. XXXX XXXX told me that the dealer can raise the price well over blue book value if they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. XXXX XXXX XXXX a.k.a XXXX XXXX XXXX XXXX XXXX  and Ally Bank a.k.a Ally Financial Services they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX  and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.
Product: Debt collection

I received a letter on XX/XX/2021 from American Coradius International LLC stating they are collecting a debt on behalf of XXXX for {$210.00}. I went ahead and contacted XXXX XX/XX/2021 and inquired about this collection and they were able to clarify that this was incorrect and there was indeed no debt collection requested for my account. I have done research online and apparently this company is notorious for illegitimate collection from people on behalf of XXXX.