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

Car financial has been harassing me, causing XXXX  and physical problems since they stole my information and claimed they own my car I bought through XXXX XXXX. They are hurting me financially and want more money for a vehicle that is already paid off. All documents have been submitted and NO ONE is listening. There are over 86 complaints on them for this exact thing. They never held my title to my car. I have provide all documents and they repeat the same documents that have been provide by ME!!! They have not provide any contacts between them and I with their letter head and my signature.
Product: Debt collection

i live on ssi and capital one let me have XXXX credit cards and credit XXXX gave me a credit card also payday loans gave me advance on my ssi knowing i couldnt pay it back im barely getting by and i will not be able to pay these debts then i was a victim of loan fraud XXXX called me saying he would pay off my debt if i first sent him a cash advance on all my cards well i did not send it because money gram said it was probably a scam you dont wire money to individuals only companies
Product: Checking or savings account

My account was closed with no reason and now I cant get access to the account or the funds.
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following XXXX  items are inaccurate. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft. I sent Equifax, XXXX and XXXX a copy of my Police report & FTC report, and they started a dispute removed accounts, but didn't remove XXXX XXXX XXXX After the dispute was finished they reinserted accounts was was removed and refocused to remove the Accounts. Here are the account the refused to remove and reinserted on my credit report after the dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 15 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

I just logged into myequifax.com and found that it does not require XXXX. Further I understand that if someone was to have my user name, phone number and SSN that they could have the password reset sent to ANY email address. 
This site should have XXXX since they hold so much of my personal information. THe other 2 credit bureaus do require XXXX. I'm concerned about an account takeover which I'm hearing is happening to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first CFPB complaint to inform you that time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have reached out to XXXX XXXX on several occasions asking them to supply me with thXXXX XXXX XXXX   information they are using to 'validate ' judgements they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. I have contacted the deputy clerks of each district and they have assured me that they do not supply 3rd party including credit bureaus information about court cases. XXXX XXXX has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Below is a copy of a letter I sent to XXXX XXXX This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in credit reporting, regarding the entry being reported under By not replying in a timely manner to my initial letter XXXX XXXX has not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have XXXX XXXX clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious errors in reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX., No. 95-6445 (  C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action XXXX or in-action ) on your behalf will result in a small claims action against your company.
Product: Credit card or prepaid card

Synchrony bank appears to have close all of my credit lines for no apparent reason. XXXX on my last count this probably tanking my credit score in the near future. I pay all of my bills on time and always will. But one thing I will never do is get a line of credit through them and will let my family know.
Product: Student loan

My personal and financial information was compromised without my authorization. The family educational rights and privacy act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information.
Product: Credit reporting or other personal consumer reports

I paid off the owed {$260.00} balance via debit card on my MoneyLion charged off account on XX/XX/year>. Upon disputing it for inaccuracy to reflect that it is paid and closed on all 3 consumer bureau reports and providing proof of payment, moneylion closed the disputes and reported that the {$260.00} still has yet to be paid.
Product: Credit reporting or other personal consumer reports

My account with these company 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 in MONTHS REPORTING LATE 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.

This company 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: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern Equifax Failed To Reinvestigate Unauthorized Inquiries On My Credit Report. Pursuant To The Fair Credit Reporting Act I Have The RIGHT To MAXIMUM ACCURACY. ATTACHED IS MY DISPUTE LETTER & THE DISPUTE RESULTS
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my credit report regarding my XXXX XXXX account. Specifically, I am disputing late payment entries for XXXX and XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$14000.00}
Product: Checking or savings account

I have made countless calls to Truist 's customer service resulted in calls of 30 minutes or more only to have the call drop and no call back from the representative. I ordered a debit card and received the letter with the pin number but no card and going on 3 weeks now I have not received it. 

I called customer service in an attempt to access my online banking and was told I have to fax my request. I need to access 5 years of records in order to qualify for Elder Care coverage and am unable to get any assistance from my bank. 

I have no access to my funds or my statements and the bank has charged me for 3 months of statements which they have not sent. My monthly social security check goes into my checking account and I need to pay for rental expenses. 

Can you please assist me?
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Product: Credit reporting

Yes there was a transunion glitch everything was taking off then added back, and by law once something is removed you can not add it back to a customer credit report, i was not notified in writing these thing would be added back to my credit report and this is against the law.. your company has broken the law, per frca section 611. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a XXXX  step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Payday loan, title loan, personal loan, or advance loan

i have tried to pay standby cash account with them and the system wouldn't let me pay on XX/XX/year> for my due balance of {$160.00} ive also called previously to inform them i was in the hospital and i couldn't make a payment till the date stated the company informed me they were going to push back the due date due to me being in the hospital and i wouldn't receive any late payments on my credit report. XX/XX/year> Huntington bank reported a 30 day late payment to my report that is inaccurate.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be in error : 1. Validate Account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX  Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want an investigation into how and why Equifax allowed Customer Credit Reports to be breached and how I was affected by this unfortunate event. I want all available information Equifax has as a result of this breach to be disclosed to me indefinitely.
Product: Mortgage

I was on a repayment plan payments they were set up for the XXXX of each month XXXX payment was to be a XXXX XXXX and XXXX thru XXXX draft payment well I noticed that in XXXX nothing was taken out and then XXXX more days nothing I called to see what happened something about my personal bank not going threw keep in mine my bank account has been the same for more then 10 years well they checked and corrected the account and then in XXXX the same thing happened I had to call about my XXXX payment not being drafted the bank but my bank cleared both my XXXX and XXXX payments I had my XXXX payment ready to be drafted on the XXXX again no draft from my bank I called and they informed me my repayment plan was canceled due to some reversal payments back in XXXX now they are stating my repayment plan is canceled due to missing payments how is that possible if my XXXX  XXXX XXXX my bank account has not changed in the past 10 years or more it strange how my XXXX XXXX XXXX payment was apply to the right account and in XXXX and XXXX was processed and cleared my question is who changed my bank account am the only authorized person on the account Please I need help on what are my options I been paying my mortgage for XXXX  years please help on my options to keep my home
Product: Credit reporting, credit repair services, or other personal consumer reports

The fraud was carried out in my name and SSN on XXXX XXXX. I have made several attempts to let CKS financial Services remove it from my report. They are not yielding. At their request, I faxed a Police report to them on XX/XX/XXXX. As of Monday XXXX XXXXXX/XX/XXXX, ( XXXX days ago ), when I spoke with them over the phone, they insisted the credit is valid in my name. The address they have on file for the fraudster is totally different from my address. I have been living in my address for over 17 years.
Product: Debt collection

In XXXX of this year a garnishment was placed on my bank account for a debt owed by my mother instead of me. Her name was on the account, but only for the purpose of emergencies in case I ended up ill or heaven forbid in an accident. The collection agency Midland Credit Management XXXX Midland Funding LLC placed the garnishment immediately after it was granted by the XXXX XXXX XXXX XXXX here in XXXX. I immediately went to the courthouse on the next available business day and filed an emergency motion for a hearing because the money in the account was an entire paycheck and I need that money for bills and my car payment. It took them almost a month before I could see the judge which was on XXXX XXXX of this year. 

We attended the hearing with XXXX XXXX and after speaking with my mother and myself, showing them bank statements and pay check stubs from my account, the judge as well as the representative from the collections agency agreed to lift the garnishment from all three accounts, two of which were my mother and father 's. The judge even instructed the representative to expedite the paperwork to get the garnishments lifted as soon as possible. Since then, we have called the judge 's secretary as well as made multiple attempts to contact the collections agency who continues to brush us off and tell us that they have n't mailed the paperwork yet. 

It is now three months later, XXXX XXXX, and the garnishments are still on the accounts and I have not only incurred multiple late fees and overdraft fees due to this inconvenience and stressful situation, but I have also incurred other charges such as the filing charge for the emergency motion for a hearing as well as the stress of having to continually hound them to lift the garnishment. I am at my wits end. I have sent the Attorney General of the XXXX and the Attorney General of the XXXX where Midland Credit Management resides a complaint. I have also sent an email to both the lawyer on their case as well as to the Chief Compliance Officer at Midland Credit Management and I am still waiting to hear anything back. I mailed a letter to both the lawyer and Midland asking for them to please file the paperwork and lift the garnishment. 

I sincerely need help here because I feel so lost and hopeless, like I ca n't do anything about this situation and I am about to be out an entire paycheck of hard earned money that I need to help my family. This debt is not mine. I should not be held liable for that debt and the monies in that account should be returned to me. PLEASE help me. I seriously need someone who can get them to do what they were legally bound to do by the Judge on XXXX XXXX this year.