23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I went to the government XXXX site : XXXX and was able to get my report from XXXX and XXXX, but when I tried to pull the Experian report the site came back with this message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 
XXXX XXXX. XXXX XXXX XXXX, GA XXXX A web search yields many people complaining about the same issue w/ Experian. Why is Experian allowed to get away with this when the other XXXX bureaus comply? 

The other thing is this : Why is there not a way to request the report via secure fax or upload-why would I want to send my personal information through the mail and labeled such that anyone looking at it along the way would instantly know what is in the envelope and would be tempted to steal it-this is a terrible way for Experian to treat people 's personal information. If they are not going to allow people to get their personal credit report through the XXXX website, then they at least ought to have a secure up-load mechanism that people can use to request the information instead of having to put it in the regular mail. Why do you allow this?
Product: Mortgage

I am in process of doing a Chapter XXXX bankruptcy. My loans were originally with XXXX  XXXX XXXX, they transferred or sold the loan to Specialized Loan Servicing. The problems is that no matter how many payments I make, I am never up to date per them or their system. Since I am going through a bankruptcy they state that they can not provide me with any paperwork on my payments, except through some special request process and it can only go to my lawyer. I have not put this loan in the process and I having been trying to pay my XXXX and XXXX payments, and now they are stating that I owe them from XX/XX/2019 and to become current it will be over {$6000.00}. dollars. I have no idea what is going on why they are saying this and how to make this work as they will not work with me. Please help me, I am already fighting through devastating financial issues and each time I think oh I have a soultion, then another issue comes up based on the fact that I can't fact check or see any kind of information about the amount of money that I owe.
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 Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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: Checking or savings account

An amount of {$35.00} was taken from my checking account, " authorized '' on XX/XX/XXXX and went through on XX/XX/XXXX. This charge took place in a location that I had not been ( XXXX XXXX, MN ). I did not authorize this transaction, so I called Wells Fargo to report fraud. They canceled my card, but on XX/XX/XXXX I received notice by mail that my claim was denied. 

I know for a fact i did not make a charge of exactly XXXX, and that me and my card were in XXXX, MN at the time.
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Got an alert that Hyundai motor finance opened an account. I did not authorize. My old account should be reporting XXXX. 
Misuse of credit card, continued reporting on XXXX account. Keeps reporting old info for purposes of extortionate means. Credit bureaus are reporting inaccurate information. 
Account XXXX lawfully on XX/XX/XXXX. 
By payment in full. 

Keeps reporting billing errors under 12 CFR 1026.13. Collected payments for 3 years on a account that had a finance charge. I asked company to cease and desist for the first time in XX/XX/XXXX. 
Company is blatantly trying to extort funds by negatively reporting on my report. I have seemed remedy with the company several times. 
Company did not default account per new cfpb investigation and I feel that I am party to that complaint. Company stole vehicle and sold vehicle, after collecting the full finance charge, did not disclose the details of the contract. Failed in fiduciary duty to protect the beneficiary. Used beneficiary signature to receive credit, and then collected federal reserve notes, under a alleged car loan. Can not lend money under 42 USC 408. Is purporting that I owe them on a " loan ''
Product: Credit reporting

Equifax Has Blocked My Credit Report My Credit Report is in the Equifax cunsomer affairs department i hired XXXX XXXX to handle my credit report i pay them $ XXXX Month Equifax has blocked my credit report from everybody XXXX XXXX, XXXX XXXX, XXXX everybody has told me my credit file has been blocked for 4 weeks now thats a month i paid XXXX XXXX to handle my credit report the have a contract with equifax so why my file is blocked i do n't understand i ca n't see my credit report online no more or nothing my credit report is blocked from everybody.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX
Product: Credit card or prepaid card

I am writing to Capital One. I have two accounts Date opened XX/XX/XXXX with missed payment ( XX/XX/XXXX ) and Date opened XX/XX/XXXX with missed payment ( XX/XX/XXXX ). Payment problems appeared due to the pandemic. I am kindly requesting Capital One agency to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Vehicle loan or lease

Suntrust Bank # XXXX XXXX XXXX # XXXX, and XXXX # XXXX, XXXX XXXX XXXX # XXXX reporting a fradulent Loan on my credit report,
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. [ Name of Creditor ] has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.
Product: Debt collection

I was contacted in XX/XX/XXXX by a debt collector from XXXX XXXX  XXXX , XXXX, regarding a private student loan issued by PNC Bank , National Association, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX phone ) in XXXX ; the student loan was in the amount of {$9100.00}. I explained to the debt collector that I had no knowledge of the debt and followed up by submitting an ID Theft Affidavit to PNC XXXX XXXX as directed by the debt collector. I contacted the school I attended in XXXX and my credit union at that time ; both institutions have no record of receiving the money or any deposits resembling the amount of the money the debt collector alleges was issued in my name. I received a 1099-C, Cancellation of Debt, from PNC Bank and had to pay taxes on the debt reported in box 1 of the form of {$9100.00}.
Product: Debt collection

XXXX unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature
Product: Checking or savings account

On XX/XX/2021 and XX/XX/2021, money was taken out of my chase account. The amounts were {$270.00}, {$29.00} and {$68.00}. I did not authorize these charges. Someone hacked into my account. XXXX reimbursed me, a few days later, then on XX/XX/XXXX, they swiped it out again. I did not authorize these transactions at all and when I spoke to chase, on XX/XX/XXXX, they refused to help me. I want my money back.
Product: Checking or savings account

I received {$8500.00} ( in the form of three checks ) from a XXXX internship during the summer of XXXX as a part of a program at XXXX XXXX XXXX I deposited the three checks into my account. On XX/XX/XXXX, Capital One withdrew all {$8500.00} without my consent. When I called them to find out what was going on they told me my account was under investigation ( without my notice ) in XXXX. The results of that investigation concluded that an act of fraud was committed on my account and that the banking relationship between Capital One and me was severed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian because there is an account on my credit report that is being reported as a charge off. I asked the representative if she could tell me the name of the data furnisher and she said XXXX XXXX, now XXXX XXXX is the name of a credit card and it is not an actual company, how can a credit card name be reporting an account? According to the FCRA everything on a consumers credit report needs to be 100 % accurate without any mistakes, I want them to validate this account because I dont dont what it is and where it came from. I want this account deleted from my credit file because every single company name that I have been given starting with the original creditor arent correct, I called the original creditor which is XXXX XXXX and they told me that the account was sold to a company called XXXX XXXX XXXX, then I contacted XXXX XXXX services and they told me to contact a company called XXXX XXXX XXXX, then XXXX XXXX XXXX told me to call a company called XXXX XXXX and XXXX XXXX told me that they do not have the account with my information, I also received a letter from the original creditor telling me that the account was sold to a company called XXXX XXXX, I contacted XXXX XXXX and they do not have the account, What I would like to know is, how is it that Experian and the other credit bureaus XXXX and XXXX tell me that when I disputed this account it was verified, who verified the account if none of these companies have it? and the name of the data furnisher that appears on my credit report is not a company but a credit card name? Delete this account now because it has not and cant be verified or validated.
Product: Credit reporting

I paid off all my credit cards and car loan and my credit score still has all full balances and has not updated since XX/XX/XXXX. This is keeping me from qualifying for a home loan. Can someone please help me on getting my credit updated?!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXXXXXX XXXX  - XXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged item, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.
Product: Checking or savings account

Navy federal overdrafts caused by the order of charges hitting my account causing as many overdraft charges as possible. often my account would have shown having say {$100.00} I think might have a charge hit for {$90.00} then some how it would appear my account was now lower than displayed " because this other charge was only in processsing '' and I would get hit with charges. this happened often from XXXX on a few occasions they did do some refunds on the charges but this was too often to keep track of.
Product: Debt collection

I have received phone calls from a debt collector called Resource Management Group. They claim I owe a debt from XXXX, but they refuse to send me a debt validation letter claiming they don't have to that they are a third party but will give me dates over the phone. I sent a certified letter to them on XX/XX/XXXX asking for the information and they have refused to pick it up from the post office. They laughed at me when I said the statue of limitations was up and that they were violating Consumer Financial Protectin laws and asked if I had just XXXX that. On XX/XX/XXXX and XX/XX/XXXX they have called me twice in one day.
Product: Debt collection

On XX/XX/2023 I reviewed my credit report and saw a COLLECTION was placed on my credit report. I immediately sent a Certified Mail & Return Receipt on XX/XX/2023 requesting full validation not request for verification of the account nor of my address showing I owe them. XXXX XXXX I received a letter back from Stafford Group & Associates located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX stating to give them 60 days from that date to validate the debt, they also mentioned that they had initiated the process to get proof from the original creditor. I demanded in my letter that they delete false information off my credit report because they can not prove what they are stating on my Credit report and it is Violation of defamation of character. They were given more than enough time to provide such claim. They should not make false claims if they don't have proof beforehand.They received and signed for my Certified mail on XXXX XXXX.
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 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 XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX. XXXX XXXX Account numberXXXX XXXX. XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX 7. US DEP ED Account number XXXX 8. US DEP ED Account numberXXXX XXXX. XXXX Account number XXXX Equifax XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX  XXXX  Account number XXXX 3. U S DEPARTMENT OF ED Account number XXXX 4. U S DEPARTMENT OF ED Account number XXXX 5. U S DEPARTMENT OF ED Account number XXXX 6. US DEPARTMENT OF EDU Account number XXXX 7. US DEPARTMENT OF EDU Account number XXXX 8. US DEPARTMENT OF EDU Account number XXXX 9. US DEPARTMENT OF EDU Account number XXXX 10. US DEPT. OF EDUCATIO Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXXXXXX Account number XXXX XXXX. - Account number XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft. I have shown substantial amount of proof that I am a victim and I have never opened accounts with XXXX XXXX XXXXXXXX and CMRE. They will not block these fraudulent accounts. Also all three reporting agencies ( XXXX XXXXXXXX, XXXX ) will not block these fraudulent accounts.
Product: Debt collection

City of XXXX has written tax return information in XXXX about tax form in XXXX that I owed money to them, I notified them that this was false in XXXX, and in fact they owed me {$30.00} instead. They asked for required information such as tax forms which I faxed. I completed the tax forms in XXXX and sent these back. In XXXX my tax filing to XXXX stated that again the city owed me {$18.00}, however I was contacted again that I owed them money. 

We have now received a latter from GC services limited Partnership in XX/XX/XXXX that we owe the city of XXXX {$250.00}. We called to dispute the charge and say that this information was inaccurate, however they are not able to provide any data or information in regards to former tax information. They recommended that we refile XXXX tax forms which is very difficult to do. 

At that point we asked them to provide information to us about the tax forms. We were notified that they have no additional way to get previous tax information, and that city of XXXX likely does not have the original tax forms on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Omni Financi, has violated my rights. 

Omni Financial XXXX lost a lawsuit due to illegally charging interests and fees on loans. I was refunded {$1400.00} for part of interest and fee due to their illegal practices. 

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.

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.
Product: Debt collection

I contacted TSC Accounts Receivable Solutions at the phone number given in response to another complaint. I agreed that account # XXXX, for date of service XXXX/XXXX/XXXX, with a current balance is {$270.00}, including principal and interest, was indeed mine, even though they did not have anything with my signature on it as such. I paid this in full and was told it would be totally removed off all my credit reports. 

The account, # XXXX, for date of service XXXX/XXXX/XXXX, for {$220.00}, including principal and interest ( the lessor of the XXXX reported ), is unknown to me, so I asked for debt validation. At this time, TSC does not have anything with my signature on it proving it is indeed my debt and not an error. I requested debt validation and was told I will have to call back in a month to find out the results of the dispute. As TSC does not have proof that this is my debt, reporting it as such is a violation of the FCRA. I request TSC remove this debt from all reporting agencies until such time as they can prove this debt as valid and owed by myself. I have already suffered loss because of the reporting stated in my initial dispute and this item will continue to cause me losses.
Product: Credit card

In XXXX Care Credit ( an Amazon XXXX, which I just learned ) my balance was {$610.00} I received a statement today and now my balance is {$640.00}!! I asked how could my balance go up when I've never missed a payment and my balance WAS going down, like it should. This lady says it's because of some special that I had to pay-off my balance before yesterday ( XX/XX/XXXX ) which I never heard of! If I had heard I would have never taken this credit card! They're claiming that I was told this but I never saw ANYTHING like that! So, they took my money ( I'm a XXXX veteran and live on a fixed income, I can't have balances going up ) plus they ADDED money back to my account!! In XXXX months I paid {$180.00} and only received less than {$60.00} off my balance? There has to be some type of law stopping these people from stealing money from senior citizens/XXXX  veterans!! At this rate it will take YEARS to pay this XXXX card off!!
Product: Mortgage

Please refer to Complaint # XXXX and Complaint # XXXX - Please note that the response from Gregory Funding to these two complaints doesn't include a name and/or direct line to whoever wrote the letter, just telling me to contact their general number with any questions which is virtually impossible. As stated in the first two complaints it is extremely difficult to get thru to Gregory Funding, wait time to get thru to them is a minimum of 90 minutes. Sometimes a recording comes on and tells you that they can call you back, but they never do. 


This is my third complaint with the CFPB regarding my real estate taxes which are escrowed. 

My taxes were finally credited to my account with the City of XXXX, and I have been charged {$100.00} in interest and turned over to a collection agency for nonpayment, this amount will increase every month that this is not paid.
Product: Credit reporting

Experianis taking too long to clarify dispute results from accounts that have been closed but still have recent payment process, or due amounts.
Product: Credit reporting or other personal consumer reports

in the month of XXXX I pull my credit score and it had two different amounts on the credit score and someone said they closed the account but they still trying to collect off the car. I gave the car back because they overcharged me for the car, I could no longer pay for it, but they still call and try to collect.