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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. DEPTEDNELNET 2. DEPTEDNELNET 3. DEPTEDNELNET 4. XXXX 5 . DEPTEDNELNET 6. DEPTEDNELNET 7. DEPTEDNELNET 8. DEPTEDNELNET 9. DEPTEDNELNET 10. DEPTEDNELNET 11. XXXX
Product: Debt collection

The attorney XXXX XXXX XXXX on behalf of Check City Partnerships LLC doing business as Check City in Nevada did not provide me with the requested documents of debt validation or debt verification they told be I took out a loan and did not provide any signatures when requested on the loan documents. they only showed me someones bank account which was a breach because the account was not my bank account so they willfully gave me someone else financial information which I discard. I have not received any information and find out I have been sued by the company and the scrupulous company and attorney. I have also filed a compliant with the http : //ag.state.nv.us/ of the business practices and will file the issue with the XXXX and the FTC as well XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, It is my right to have a fair, and correct credit report across all three bureaus. I've requested my accounts to be placed under investigation under all three bureaus and there are so many inaccuracies across the board, yet they keep coming back verified. 
I am being charged off for dead accounts damaging my Dola-dates some accounts are not matching across the board. Dates are incorrect across the board. Charged off accounts are not showing zero balances that have been turned over to a collection agency. The debt collector can not update lates on a monthly basis. Reporting the debt as revolving, which is not only inaccurate but it's causing my credit score to decrease. 
According to the FCRA, section 623 a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have membership with all three credit bureaus agencies XXXX, Equifax and XXXX. Who allow me to dispute incorrect information on my credit reports. I pay XXXX {$4.00} each month for credit plan, I pay Equifax {$4.00} each month for credit plan. I also pay XXXX {$24.00} each month for credit plan. I dispute student loan on my credit report that should be closed and not open. Because XXXX month ago I file complaint against XXXX XXXX XXXX XXXX. About me owing {$45000.00} in student loans. I feel I have been taking advantage. By me being XXXX man who was held back in not graduating with XXXX XXXX  degree. Who only borrow {$5000.00} student loans. It fraud. Something using to hold me back from accessing good credit.
Product: Debt collection

This account was handled with the original debtor XXXX and I.C Systems and XXXX  refuse to remove this inaccurate account from my credit report and it is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows hard inquiries i have not authorized. Also Auto loans i have not made are shown. I have repeatedly reported inhave been a victim of identity theft. All fraudulent records are dated XX/XX/2020. I have sent letters, made phone calls to all the institutions shown on my credit report that are related to the identity theft issue reported. I submitted a written dispute to TransUnion, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and to the Federal Trade Commission. 

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

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

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

Incorrect address is reporting. Tried to remove and dispute it but it is still there.
Product: Mortgage

We have attached court documents which stipulate payments to quicken loans. After our home went into foreclosure through no fault of our own AND we were force to pay nearly double the amount of what we owed ; from {$5700.00} to {$10000.00}. We are furious as well as exhausted from going back and forth to court without a decent attorney guiding us. After we believe this was settled and address, we have gotten a letter from quicken that we are 49 days past due ... .although payments have been sent each month per instructions of court stipulations. In addition, this is exactly what XXXX XXXX was afraid would happen and directly ask the attorney if this was a possibility, for which both sides replied no. I will file an emergency with the court clerk to address this issue. Finally, also attached is a copy of a check sent by quicken loans for an over payment.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Accounts paid off and showing wrong balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Accounts Paid down and showing wrong balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

i have a navy federal business account they have been transferring money from my savings account to my checking account without my consent. on XX/XX/year>, navy federal transferred XXXX from my savings account to my checking account. i called and asked what was the transfer for and explained to them that o had not made a transfer for that amount. when i asked for my information on why the transfer was made two representatives told me the system did the transaction but could not tell mee what it was for. When i asked to speak to Manager the representative told mee she was reading off a script and could not tell why my money was transferred to from out of my account. When i called back i was told that the transfer was used to cover transactions but they could not tell me what trransaction ot covered. my accountis now missing XXXX tthat they can not explain where it went.
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

My bank account information was put on the internet. Someone placed the following charges on XXXX under my bank account. XX/XX/2024 {$9.00} XX/XX/2024 {$23.00} XX/XX/2024 {$1.00} XX/XX/2024 {$21.00} XX/XX/2024 {$7.00} I reported the charges to my credit union which their fraud department investigated. since then they closed my account 's routing number. TRS has been non-stop telling me that I owe money for charges I never made. I sent them a letter from my bank stating that there were fraudulent charges and they won't accept the letter. They tried calling my bank for my information. They are now sending me letters saying they will send me to collections unless I give them my SS # my new bank account # and a copy of my driver 's license. They don't need this information. I contacted XXXX they said they were not sending me to collections.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state 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 make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedate the report by more the 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and my personal information has been used fraudulently to open or manipulate accounts and inquiries on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file.

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX  - {$3300.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

It was on Thursday XX/XX/2015. Car Finance, our auto loan company, called our home at XXXX, just as we were going to sleep. This was very aggravating and disturbing.I had already advised them it would probably be two weeks before I could make my next payment, I resent this kind of harassment at such a late hour!
Product: Student loan

GC Services ( XXXX ) is a student loan collection company. I 've written them many times asking them to NOT call my work. They always will continue to do so. They 've verbally told me that they 'll continue to call my work, even if it risk me losing my job.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( I ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information, that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately EXPERIAN***** Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2021 I purchased a motorcycle online with Chime debit card for XXXX. I realized that shipping would be delayed because of pandemic so I immediately cancelled the order the same day. I got a email stating order was cancelled and refunded. Chime made me fill out disputed transaction paper. I filed the paper along with all the messages from XXXX company verifying cancelled order and since then I have gotten the run aroundsome say they dont have the transaction some say they do and the emails keep coming saying they are working on I cant get a straight answer and that are stonewalling please help
Product: Consumer Loan

My complaint concerns Nissan Motor Acceptance Corporation 's ( NMAC ) inept handling of my automatic ( ACH ) payments for the payoff of my XXXX XXXX XXXX. I purchased my XXXX from a XXXX Ohio dealership in XXXX XXXX, and set up the simple interest loan amortization through NMAC. After my down payment and trade in, my loan balance was {$14000.00} with an interest rate of 3.27 %, and 4-year payment schedule of $ XXXX/mo. This was to be withdrawn from my checking account in monthly periodic payments until XXXX XXXX. 

Payments were made periodically and monthly in the amount of {$310.00} from XXXX XXXX until XXXX of XXXX, when NMAC, for some reason stopped using ACH as the withdrawal mechanism. I was unaware of this, as I made NO change to my checking account to withhold payments. We love the car and certainly want neither a repossession of nor a credit ding. 

Today ( XXXX/XXXX/XXXX ), I got a call from an NMAC account manager who expressed concern that my account was now in default and my credit score would suffer. This is came as quite a personal and disturbing shock, causing me to feel anxiety as to how to resolve this. I told the account manager that no action or inaction on my end deserved this kind of treatment, credit downgrade, or any other impending action, despite the account manager being quite diplomatic and responsive. My bank had indicated to me that the drop of the ACH would have had to come from NMAC as they made no change to the account. This bothered me a bit all mid-morning, including the possibility of a credit downgrade, and potential auto repossession. 

The account manager gave me a number and personal extension to call back to clear this up. Now, I had been making PRINCIPAL ONLY payments, since this year ( XXXX ) but for some reason NMAC was partially applying those payments to the " soon-to-be delinquent '' account. Well this is a shock and underscores the incompetent XXXX who " upgraded '' the NMAC system to the tune of {$10.00} XXXX ( nice job XXXX ). 

I will supply further information to the CFPB as this proceeds forward.
Product: Money transfer, virtual currency, or money service

WE are the victims of sammer targetted at elderly. someone using my XXXX XXXX account from XXXX  and fake farudulent manager from XXXX sends a refund check for more than the purchase price ( approx. XXXX and asks me to give them the difference on a gift card. ( That check, by the way, will turn out to be fake. ) and wire trafer to the XXXX bank branch in XXXX.ON XXXX we purchased {$5000.00} and on XXXX we wired transferred {$14000.00} into XXXX Bank account XXXX in XXXX. THe beneficiary is the person by the name of XXXX XXXX. On XXXX we report fraud to Wellsfargo bank in XXXX XXXX ( XXXX ) and the bank notified the wire transfer department to put the recall of the wire tranfer ( transation # XXXX )
Product: Payday loan, title loan, or personal loan

Dignifi is deliberately ignoring the law and continues to practice malicious and deceitful business practices. In previous response Dignifi has admitted and responded that there address that they reported on my consumer report is not an accurate address.This is in clear violation of 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.Dignifi also in violation of 12 CFR 1022.43 ( c ) Direct dispute address. A furnisher is required to investigate a direct dispute only if a consumer submits a dispute notice to the furnisher at : ( 1 ) The address of a furnisher provided by a furnisher and set forth on a consumer report relating to the consumer ; And Dignifi is reporting as CONFIDENT FINANCIAL SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX and another report Dignifi is reporting address XXXX XXXX XXXX XXXX, CO XXXX and another reported address XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXXDignifi previously stated they did not receive my request to opt out of their arbitrary clause.Which I sent my request to two out the three addresses that they reported as accurate which are.I dont know with address is an correct address.This is shady business practices, See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke with experian since XXXX  about the same inaccurate debt they refused to validate according to the recorded call XXXX and a previous credit specialist for experian rent bureaur failed to validated the debt from XXXX. XXXXXXXX XXXX XXXXXXXX on my rent profile. They also stated they only received a reply and denies a metro compliance investigation into the validation of the debt. It has been several years of back and forth with this dispute where my consumer rights have been continually including the uniformed service codes the protects me against such negligence. They have removed this from my credit file but refuse to remove this inaccuracy from my rental history. this has been listed on my credit pas the statute of limitations and I demand correction and them to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I recently checked my credit report and saw accounts reporting that I do not recognize and did not authorize. These remarks have been detrimental to my life and my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

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I I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.