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

Experian claimed to have verified a fraudulent bankruptcy listed on my account as accurate how is this possible I contacted the US bankruptcy XXXX and they informed me they never report to any credit bureaus or never give any information to credit bureaus, I also contacted XXXX XXXX who claimed they have no bankruptcies they report to Experian these accounts bankruptcy, XXXX XXXX and XXXX XXXX XXXX need to be block due to ID theft 605B also a new police report was uploaded
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, XXXX and XXXX  person who its a victim of identify theft. XXXX, XXXX, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, Transunion and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy. 
I enclosed all documents social, ID and statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There saying my account XXXX XXXX XXXX XXXX  is closed. And its not! Im still making mortgage payments. My bank sent a certified letter to Equifax or the credit bureau a week ago. My credit rating went down 40 some odd points because of this problem. I need your help to fix this!
Product: Credit reporting or other personal consumer reports

Re : Complaint Against XXXX XXXX  for Inaccurate Reporting During Arbitration Dear Sir/Madam, I am filing a formal complaint against XXXX XXXX  for unlawful reporting of inaccurate information to credit bureaus while an arbitration proceeding is pending. XXXX XXXX actions are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the AAA Consumer Arbitration Rules, and the Federal Arbitration Act ( FAA ).

Inaccurate Reporting to Credit Agencies XXXX XXXX has continued to report inaccurate information regarding my account to consumer reporting agencies while arbitration proceedings are ongoing. This action violates my rights under the FCRA ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of information ensure the accuracy of reported data.

Violation of AAA Consumer Arbitration Rules Under the AAA Consumer Arbitration Rules, XXXX XXXX  is prohibited from taking adverse actions such as reporting inaccurate information during arbitration. Specifically, Rule 9 ( Preservation of Status Quo ) and Rule 10 ( Interim Measures ) are clear that no actions should be taken that could undermine the fairness of the arbitration process.

Violation of Federal Arbitration Act ( FAA ) Under 9 U.S.C. 2 and 3 of the Federal Arbitration Act, arbitration agreements are binding, and any actions, such as reporting inaccurate information, should be stayed until arbitration has been resolved. 

I am requesting that the CFPB investigate these violations and take appropriate enforcement actions against XXXX XXXX. I am also requesting that the reporting of inaccurate information to consumer reporting agencies be immediately halted while the arbitration process is pending. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these unlawful practices. 
Sincerely, By : /s/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

never got any information from companies after 35 days of waiting.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ). 

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself, XXXX XXXX XXXX, Last 4 of XXXX : XXXX, XXXX : XX/XX/year>. Please delete the following accounts. XXXX XXXX XXXX Vacations bal. {$15000.00}, XXXX XXXX XXXX. {$9100.00}, XXXX XXXX XXXX XXXX XXXX. {$6800.00}, XXXX XXXX XXXX bal. {$340.00}. 

Thanks for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I've provided several letters outlining incorrect information on my credit report, XXXX and Experian refuse to investigate properly and remove the incorrect information. 

XXXX XXXX  XXXX Disputed Information : Balance : The balance reported on this account is inaccurate. The balance reported on this account shows {$2300.00}. This account was charged off in XXXX of XXXX. The balance should show XXXX and not updated as of XX/XX/XXXX Credit Limit : The credit limit reporting for this account is also incorrect. The correct credit limit should show XXXX because this is not an open account this account was charged off in XXXX of XXXX Last Payment Date and Payment History : The last payment date is XX/XX/XXXX, which is incorrect because the payment summary shows XX/XX/XXXX. 

XXXX Disputed Information : Credit Limit and Balance Information : The credit limit reporting for this account is showing {$790.00}. The correct credit limit should show XXXX because this is not an open account this account was charged off in XX/XX/XXXX. The highest balance is showing {$1500.00} which is more than the reporting credit limit. This should also show XXXXLast Payment Date and Payment History : The last payment date is XX/XX/XXXX, but the payment summary shows XX/XX/XXXX as charged off and shows nothing else XXXX XXXX XXXX  Disputed Information : Credit Limit and Balance information : The credit limit reporting for this account is showing {$700.00}. The correct credit limit should show XXXX because this is not an open account. This account was charged off in XX/XX/XXXX. It also shows highest balance {$1200.00} which is more than the reporting credit limit. Last Payment Date and Payment History : The last payment date shows XX/XX/XXXX, but the payment summary shows charged off as of XX/XX/XXXX and shows nothing else
Product: Checking or savings account

I was trying to access my account today with USBank at XXXX XXXX XXXX. I entered all the credentialing information, and it sent me to reset passwords three times, and none of the passwords worked to access the account. Afterward, I contacted XXXX, and an agent got on the phone, and she asked for all of my information. She was very XXXX XXXX XXXX. Instead of trying to assist me, she stated to download the app and, if I had any other concerns, to call back. I explained that my issue wasn't resolved and wanted to speak with a supervisor. She waited 5 minutes and stated that a supervisor wasn't available. I hung up the phone. Neither the app nor online services work to access the funds due to me in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started writing Trans Union on XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature about 3 inaccurate accounts reporting on my credit file accounts from XXXX XXXX ACCOUNT # XXXX, ACCOUNT # XXXX, ACCOUNT # XXXX, This company has not showed me any proper validation of this debt they say I owe to this company. Then I wrote all 3 Credit Bureaus again on XX/XX/XXXX in regards to this debt they say I owe. I never received anything in writing bearing my signature or obligation to pay this debt. On XX/XX/XXXX I wrote letter to both the Credit Bureaus and Collection Agencies I informed both that they had ( 15 Days ) Of completion to reinvestigate this matter. I sent all my letters certified mail. And USPS states that they received my letters on XX/XX/XXXX I informed the Credit Bureaus any automated response or XXXX verification is unacceptable. I requested a reinvestigation AND their METHOD OF VERIFICATION. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I informed them am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumers Financial Protection Bureau An The Attorneys General office should they continue in non compliance. I would like this inaccurate information removed from my credit file immediately. Ive been writing this collection and credit bureaus about this matter for XXXX XXXX years. I need a resolution to this matter.
Product: Mortgage

XXXX XXXX reached out to me via email informing me that he works for Citizen bank mortgage and would offer competitive rate. After several back and forth regarding the mortgage rates, I decided to go with XXXX XXXX ( Citizen Bank ) as my mortgage lender since they were offering me 3.875 % for 7 years and after that variable interest rate ( per market rates at that time ) ie 7 year ARM at XXXX points. I had similar offers from other lenders. However, I decided to go forward with XXXX as he promised a quicker closing time. The initial closing was planned for XXXX XX/XX/2022. Prior to that I received closing documents from Citizen bank which mentioned the interest rate of 3.875 % for 7 year ARM ; however costing me XXXX points which were worth XXXX USD. I brought it to XXXX 's notice and he said that I should not worry as it was a mistake. He will make sure that these points are taken off prior to closing. I had driven to XXXX NY from XXXX MA ( my residence at that time ) the day prior to closing to make the final walk through the house. However, I was informed by my lawyer that the bank cancelled the closing ( scheduled for XXXX XX/XX/2022 ) as they did not want to take off the XXXX points. 
After multiple attempts the bank finally gave me new closing date of XXXX XX/XX/2022. Since the cancellation of the closing, XXXX stopped answering my calls. I, after getting in contact with his supervisor, was able to get in touch with him and he again said that he will try to take off the points. 
As my lease in XXXX was coming to end me, my wife, my then XXXX daughter, my parents and my dog drove from XXXX MA to XXXX NY on XXXX XX/XX/2022. We had to rent out XXXX for XXXX and XXXX XX/XX/2022. I did not receive closing numbers till in the office of the lawyer around XXXX XXXX at the time of closing. The XXXX points worth XXXX usd was still on my mortgage and I did not have time to go through numbers before to refute. As me and all my above family desperately needed a place to stay ( and XXXX was expensive-receipt attached ), I felt compelled to sign the papers. 
Now that I have settled in and I feel that XXXX and Citizen bank made a false promise to get my business. I feel that I deserve back the XXXX USD I paid for those XXXX points which initially they had promised they will not apply on my loan. In addition, I would like Citizen bank to reimburse my XXXX charges ( XXXXXXXX XXXX ) which were incurred due to cancellation of closing the XXXX time.
Product: Debt collection

I sent a certified letter to Allied collections as they were reporting on my credit report. After doing so I received a reply from them that they had verification from the original creditor that the debt was valid. I asked for " validation '' not verification. In response I received medical information which violates HIPAA as I do not have a signed consent with this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has several loans on my credit report as open even though I had consolidated and have been paying XXXX for over seven years. they keep updating my credit report with an increasing balance. I have contacted XXXX and they have no record of having an account with them. I've have tried disputing on my credit account but they come back verified and accurate. please help.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Vehicle loan or lease

Credit acceptance used deceptive forms and means to make a profit of of my identity, in exhibit labeled 1 CA violated laws:15 US 1605 ( a ) ( 1 ) ( d ) ( e ) ( f ), charging 102 % overstated fees, 15 US 1692e at 23 % apr well over alabama 6-8 % interest rate, providing a loan with that amt is usurious as defined my law, exhibit 2 shows violations:15 US 1692e, 1605 ( a [ 1-5 ] ) ( d ) ( e ) ( f ), 1692e ( 2 ), positive balance, overstated fees, separate fees. 15 us 1605 states The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services providedg and does not retain the charges, I dont retain any charges, finance charge should not contain Interest, time price differential, and any amount payable under a point, discount, or any charges.Credit acceptance guilty of using HIDDEN FINANCE CHARGES, charging horrendous fees to borrower due to inaccurate credit reporting by bureaus, borrowers there were charged the maximum legal interest rate ; credit acceptance never informed me in the initial communication that they were in fact a debt collector/a debt as required by law, used my social security to collect a profit whether or not i was approved for insurance, i applied for credit not insurance, credit acceptance provided invalid information to bureaus causing harm to credit score, this is unlawful, truth is sovereign, understand how the UCC operates in order to have the upper hand in our dealings with the IRS. The essential elements of the Commercial Law are good, being based upon : Good faith action. 
Clean hands doctrine. 
Fair business practices. 
Full disclosure. 
Duty of care. 
Just compensation. 
Equal protection of the law. 
Mercy. 
Grace. 

Which Credit acceptance lacks Revoking all rights, as original creditor, owner, power of attorney, consumer The have been disputing with XXXX, XXXX XXXX, XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I opened a vehicle loan with Wells Fargo Dealer services. I paid my monthly payment on time as a agreed with no issues. I paid off the loan sooner than expected. For the last payment in XX/XX/XXXX, I made my payment through their online payment portal as per usual. I was unaware that I needed to call in and wire or mail in the payoff amount. They gave me a 30 and 60 day late. I reached out to them several times if they could take this off my  credit report but I got no answer in my favor.
Product: Mortgage

Greentree has continued to attempt to collect a debt which was : * discharged debt according to credit report and no longer have right to continue to harass past borrower and continue collection efforts* they received asset and sold asset as full satisfaction of debt* MN Attorney General ruled they acted wrongfully and Greentree paid settlement to me for wrongful actions* Mn Attorney General obtained a signed a settlement and they need to discontinue any further collection efforts
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO AS IT WAS REVISING MY CREDIT SPACE AND I SAW THAT I HAVE MULTIPLE INQUIRES IN MY CREDIT REPORT AND TRY TO COMMUNICATE WITH SUCH COMPANIES BUT DO NOT KNOW HOW TO GIVE ME A SPECIFIC ANSWER PLEASE REMOVE THE CONSULTATIONS THAT I DO NOT RECOGNIZE THANK YOU.
Product: Mortgage

**** NEW CRIMINAL /COMPLIANCE CHARGES ~ XX/XX/XXXX - XX/XX/XXXX WE STILL HAVE NOT RECEIVED A SINGLE MONTHLY STATEMENT IN THE MAIL AS REQUIRED BY LAW IN 2016. THAT TIME PERIOD INDCULDES XX/XX/XXXX TO XX/XX/XXXX. 

THE NOTICES STOPPED WHEN WE DISCOVERED AND FOUGHT THE LOAN FRAUD AND THE ILLEGAL COLLECTION ACTIONS BEGAN AND HAVE NOT STOPPED WE HAVE NOW HAD 5 DIFFERENT REQUESTS TO MAKE A {$1400.00} PAYMENT WITHOUT A WRITTEN EXPLANATION AS REQUIRED BY LAW IN JUST 4 YEARS. ( OUR PAYMENT WAS FRAUDULENTLY DISCLOSED AS {$840.00} USING ESCROW FRAUD ) ALTHOUGH OUR LOAN IS CURRENT, NATIONSTAR IS STILL INTENT ON STEALING THIS WIDOW 'S HOME FROM HER AND THEY ARE NOT GIVING ME THE OPPORTUNITY TO PAY MY LOAN WHILE I FIGHT THE OBVIOUS AND PROVEN FRAUD WE HAVE ASKED FOR MONTHLY STATEMENTS OVER 75 TIMES. IT WAS ASKED FOR IN PREVIOUS CFPB FILINGS AND THEY ARE STILL NOT COMPLYING. 

WHEN ASKED, NATIONSTAR REPS SAID, OVER AND OVER, " WE DO N'T HAVE TO MAIL OUT MONTHLY STATEMENTS '' THEY ARE INTENTIONALLY DEFRAUDING CONSUMERS AND THE FEDERAL GOV THIS IS PROVEN THE MOST RECENT REQUEST FOR A {$1400.00} PAYMENT WITHOUT WRITTEN EXPLANATION WAS THIS MONTH. AS OF XX/XX/XXXX ... NO MONTHLY STATEMENTS HAVE BEEN MAILED TO XXXX XXXX XXXX XXXX FL. THEIR DISREGARD FOR THE LAW AND CONSUMER RIGHTS SETS A NEW LOW FOR AMERICAN BUSINESS.
Product: Money transfer, virtual currency, or money service

I was charged 30 plus times from XXXX and various names similar with XXXX in them which is not my account nor XXXX but a scam I believe and was charged multiple times from XXXX and XXXX and other places that none were authorized in anyway by me or anyone I know. Its cost me hundreds of dollars and they refuse to dispute it and refund my money and all of these charges say from California or New York or other states and I have not left my home state of Oklahoma in over a year. It is clearly fraud and I have shown that to them but they dont even look into it and deny it and I have seen many others online with this exact problem and result
Product: Debt collection

XXXX XXXX XXXX ACCOUNT # : XXXX. Company of XXXX. XXXX XXXX XXXX XXXX, FL XXXX. Phone : XXXX XXXX My name is XXXX XXXX XXXX XXXX. In the past I had the service with XXXX, XXXX years of contract which I finished but I still had the service out of contract, after a few months I called a XXXX agent to offer HD on my television and several times insisted with the offer while, I reiterated that I did not want any more contracts, that it was okay, I remember that I told her that my television looked perfect and I did not want the HD, she insisted, because I remember well that it was a woman and I told her that I did not want anything, She wanted contracts and she answered that it was free, that it was not a contract, to which she replied : If you want to give that service free, it 's fine, but I do not want contracts. This whole conversation was in XXXX. From there I continued with the service until I went to see the offer of XXXX, which by the way was unsurpassed by any company, included high speed Internet with television, including 3 months with free PPV channels, XXXX, XXXX, XXXX, XXXX. All this for a price of {$44.00} including taxes without a contract for XXXX year. After deciding on this option I called XXXX to disconnect the service and I learned that I had been awarded a contract, which I did not do at any time, nor gave such consent verbal or written, and I can only think that whoever awarded me the contract Contract made fraud to win the commission of that contract. The XXXX Costumer Service informed me that for breaking a contract that I never had to pay 200 and some dollars plus the amount of equipment, equipment that I returned and after calling to discuss the fraud told me that they had received them but that Now continue to charge you through a collection company to which XXXX, you, sold the liar and false debt. That same company has reported me to the credit bureau and in any case, although I report to XXXX to the Federal Bureau of Commerce for fraud and dishonest practices against the consumer, in the credit bureau have not been able to remove that report despite my insistence, That being said, it is my right to require directives from XXXX verbal or written evidence where you state that I gave my consent for a " HD '' contract. To send them to the growing office, or XXXX withdrew that fraud or if not, if they do not remove that fraudulent attempt to collect I will direct to file a police report against XXXX for consumer fraud or I will go in person to any other Office of the State of Florida or XXXX XXXX County to file a complaint. It is a lack of respect that they award fraudulent contracts to consumers and I demand that all indications of connection with XXXX and myself are deleted absolutely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681 602 A which states that I have a right to privacy.

Also, they have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). 

Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of O.C.GA. S 16-9-93.1 Names Reported : XXXXXXXX XXXX and THE US DEPT of EDUCATION have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2. 

Additionally, it clearly states under 15 USC 1681 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act. 15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following lems of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
REFERENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX