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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, 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. 

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 dont 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 The credit bureaus have no respect for the laws. 

This has affected me as a single dad of XXXX children. 

Someone needs to hold them accountable for this
Product: Student loan

After a few years on unstable employment, I defaulted on my federal student debt and once able, I rehabilitated by debt through a Repayment Agreement Under the Loan Rehabilitation Program Supporting Request for Deletion of Derogatory Credit Rating Previously Reported By the Guarantor for Loan # XXXX - Account # XXXX. The agreement clearly states in Section ( 9 ) the removal of the default and a new entry for the rehabilitated loan. 
The XXXX. failed to fulfill Section ( 9 ) of this agreement. 
The XXXX rehabilitated loan payments required to rehabilitate the loan were made as of XX/XX/2015 and the loan guarantor has failed to notify the national credit bureaus of the deletion of the " derogatory credit rating '' as stated in Section ( 9 ) of the agreement. The defaulted entry was not cleared, instead it was updated to a derogatory credit rating. 
I have been writing to clear this inaccurate and non-relevant information per the agreement from my credit report since 2015 based on the language of the agreement with no success. This reads as a clear breach of the agreement written by my loan guarantor which I agreed entered into.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry 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 as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Date of inquiry 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 : Account Number : XXXX : Balance : {$1500.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1100.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$5500.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$20000.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$3600.00} Account Name : XXXX / XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX : Account XXXX : XXXX : Balance : {$4600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On or about XXXX 2015, I noticed while checking my credit report, a delinquent account from " XXXX XXXX XXXX XXXX '' for approximately {$2000.00}. I immediately began the process of informing them  that this was a fraudulent activity via written letters and by phone. I also sent letters to the XXXX major credit reporting bureau 's informing them the same. Thinking the matter was resolved, I was shocked to receive a summons from Superior court years later, without any previous correspondence. Now I 'm being constantly harassed by these vicious attorney 's who continue to claim they are not receiving my documents ( I have all documents filed and organized with USPS tracking proof of delivery ) and neither the original creditor or the attorney has produced a single document that I have requested showing my signature on an agreement or any other proof which might substantiate there claim. Because there is no such document. They have even failed to show me what was allegedly purchased with this line of credit or loan. Yet they continue to harass me to the point where I now am having to pay an attorney to help defend me. I believe that by this harassment, they are violating my rights as governed by the FTC which enforces the " Fair Debt Collections Practices Act ''. The Attorney mentioned above is : XXXX XXXX XXXX of Nelson & Kennard, XXXX. XXXX XXXX XXXX, CA XXXX. Thank You,
Product: Credit reporting or other personal consumer reports

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 

These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law.

15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( XXXX ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
Product: Vehicle loan or lease

I leased this vehicle from Mazda Capital Services- Chase The lease ended on XX/XX/XXXX The car was returned on XX/XX/XXXX, directly to the dealership as instructed by the leasing company. The vehicle was pre-inspected, and I received the estimated wear and tear charges. As of today, the online account shows a late payment and a late payment fee for a lease that already ended and money that I do n't owe. I already called seven times, and they keep apologizing about it and refuse to email me a confirmation. In the meantime, my credit score dropped 15 points due to the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with Equifax today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans on my credit reports for Experian, XXXX, & XXXX showing at= late or negative mark on XX/XX/XXXX. I rehabilitated the loans in XX/XX/XXXX. No negative marks should be showing after rehabilitation of the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent a request to XXXX XXXX to validate a debt they listed. I gave them same info that they furnished to the credit bureaus. They responded telling me the information that I provided did not match any accounts that they have in their system. So I sent them a request to remove this account, As well as sending a request to Transunion, XXXX and XXXX with all documentation asking them to fully verify this account and provide me with that information or remove it. 

XXXX sent me a response that its " verified '' - funny how that works because the information was already said to be unverifiable by the company themselves. 
XXXX doesn't do any investigation XXXX - updates comments stating it was verified but has XXXX communication with me. 

Ive included all correspondence as well as copy of credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting that I am past due on an account that has a {$0.00} balance and {$0.00} past due. This is harming my credit and is obviously impossible to be past due on something that does not have a balance.
Product: Credit card

In XXXX  2023 I requested the temporary deactivation of my XXXXXXXX XXXX 

On XX/XX/XXXX I asked in XXXX support chat for my XXXX XXXX  to be reactivated. 

After I reactivate my XXXX, my Apple Card can not be added to XXXX XXXX on any of my XXXX devices : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

XXXX Account Balance also can not be added to XXXX XXXX However, my wife is a co-owner and has full access to the card and everything works fine on her XXXX. 

Initially I asked XXXX support for help. I went through XXXX XXXX agents who assured me that the problem was not on their side and transferred me to a Goldman Sachs agent. The latter asked the responsible team for 10 days to resolve my problem. 

No resolution has been made so far. 

I ask that all contact with me be made via email. 
I don't speak XXXX well enough for a phone call. 

my appleid XXXX XXXX
Product: Credit reporting or other personal consumer reports

My mortgage has been in forbearance for approximately one year in 3-month increments. At the end of my most recent forbearance in XXXX, I requested via the company 's online portal to extend my forbearance again. The automated system informed me that my request was approved, but that I would be sent further information once my application had been processed. During the entirety of my forbearance periods, I was always sent paper mail communications regarding my requests and approvals, however, for my XXXX forbearance request, I was not notified of changes in my allotted forbearance time of one month. Because all of my other requests resulted in 3-month approvals, and I had not opted for paperless communications, I did not receive the information regarding a 1-month forbearance. I was marked late for XXXX and XX/XX/year>, however, an automatic payment of {$50.00} was taken in XXXX. For my forbearances, I was on payment plans ranging from XXXX XXXX per month. If my application was not approved for the forbearance request in XXXX, why was a payment taken in XXXX, and then not in XXXX? Or, if it was approved for XXXX, why was I not notified via mail? When I spoke to a company representative on approximately XX/XX/XXXX, I was told that communication from the company was not sent via mail, but that it was available in the online portal. Again, I did not request paperless communication, so that information should have been sent via mail, so that I would not be penalized in derogatory marks on my credit report.

I am requesting that the late payment remarks be removed for XXXX and XX/XX/year>.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer>Capital one cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Money transfer, virtual currency, or money service

I have attempted to withdrawal funds in my wallet to send to another wallet but I was denied. I still am unable to proceed.
Product: Credit card or prepaid card

Citibank has neglected to resolve the billing error issues in compliance with 12CFR1026.13 ( e ) and ( f ). Nothing in Citibank 's response remotely addresses the billing error issues raised in the initial dispute. Citibank does not address whether they agree if the billing errors complained of occurred. Nor does Citibank explain why, in their openion, such billing errors did or did not occur. Citibank simply evaded the disputed billing error issues in clear violation of the above federal provisions. Accordingly, the procedures for forfeiture are to be observed by this regulatory agency in accordance to 15USC1666 ( e ), and Citibank has accepted the terms and conditions of the billing error notice requiring they Cease and Desist any further collection efforts of the stated amount for breach of the Truth in Lending Act. The statue requires Citibank to send me a written reason to my questions/ issues not to call me! They did not satisfy the billing resolution error. Citibank must answer the questions regarding the billing error. Citibank is being very deceptive
Product: Mortgage

My current mortgage with Mr. Cooper-XXXX was transferred from XXXXXXXX XXXX prior to XXXX of this year. I submitted and was processed for loan modification then forebearance prior to the transfer of my account to Mr. Cooper. I contacted XXXX XXXX in XXXX of last year to find out that my account had been sold to Mr. Cooper and that I should be receiving correspondence from them. I received a letter in XXXX informing me of the transfer and that I have 60 days to make my first payment with them. I received the new amount of the approved loan modification in the amount of {$2300.00} and began making payments. In XX/XX/2022, I was contacted by a Mr. Cooper representative and was informed of three transactions. 1st-The representative stated that Mr. Cooper had not received any documentation from XXXX XXXX relating to the loan modification. 2nd-The representative informed me that an involuntary loan modifcation was in progress and that I should expect a higher amount in the following month. 3rd-The representative informed me that I must provide a complete loan modification packet since they had not received documentation from XXXXXXXX XXXX  which I submitted the completed packet. I received an alert last week that a new document was added to my account. So I logged into my account and read that although I completed/submitted the loan modification packet there was still some questions that needed to answered. It further stated that I have until XX/XX/2022 to provide this information and if not then foreclosure processing will begin. My home is currently for sale and under contract with a closing date of XXXX XXXX which I informed Mr. Cooper last week after signing the contract. Not only do I not know of the information that I need to provide, this is the second time with Mr. Cooper that I've provided information, processing started to review my account for loan modification and almost 30 days transpires before I'm notified of either to provide more information or that the loan modification was declined. I simply want to resolve this matter as I've expressed since I've been with Mr. Cooper and this transaction has been in progress since XXXX of this year. Also, I was not provided a reason as to why there was an involuntary loan modification processed without my knowledge and that Mr. Cooper reported my payment as late for the month of XXXX which there shouldn't have been reporting during the loan modification review as I was advised.
Product: Student loan

My loans were covered under XXXX  XXXX student loan & forgiveness act due to XXXX  mid life XXXX   resulting in XXXX civil commitment orders & doctor removed from school order forgiveness & the school & lenders refused to apply loan forgiveness law to my accounts & then deliberately provided my information to 3rd party lenders I didn't provide my consent or authorization to do so resulting in a breach of my personal data exchanged & predatory discriminatory & selective denial enforcement of legislation student loan debt XXXX XXXX forgiveness reimbursement payment process denied for competitive advantage of 3rd party debt collector to make an unconstitutional profit from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two packets via certified mail to Experian in XX/XX/XXXX and again on XX/XX/XXXX which contained proof of identity, a police report, FTC report, notarized identity theft affidavit, an XXXX report XXXX copy of my credit report with the fraudulent information, and a copy of the Fair Credit Reporting Act Section 605B which states the laws they have to obey and my rights as a consumer.

Experian is treating this case as a dispute. I did not initiate a dispute with these accounts. I submitted a request to block this fraudulent information according to the Fair Credit Reporting Act Section 605B. 

Experian is in clear violation of the law and this is my last time I will consider settling this matter if it is not taken care of I will contact an attorney and sue Experian.
Product: Debt collection

As of XX/XX/2024, I started reciveing letters in the mail from attorneys telling me I need to hire them because I'm being sued by Midland Credit Managment. I have been calling them asking for validation of what it is they are trying to say I owe and from whom since XX/XX/2024. No response, I have disputed with all 3 credit agencies and I'll I get is " the debt is valid " but no one can provide proof. Now they are trying to garnish my wages.
Product: Credit reporting or other personal consumer reports

violation of section XXXX XXXX USC XXXX XXXX. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.