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

Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX, 2023 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found three pieces info by accident. All incorrect - either closed or not mine. 
XXXXXXXX XXXX, XXXX, XXXX XXXX. 
To ask a question related to incorrect information not known to the account holder in order to lift a freeze is absurd. This keeps happening when ever I lift the freeze. All three accounts were closed for inactivity - obvious problem. To ask a security question about a long closed account - NOT belonging to me is past incompetent. 
XXXX obviously DOES NOT properly vet the info they put on accounts. No security and incorrect information has to be addressed immediately.
Product: Payday loan, title loan, or personal loan

I called the company to cancel my application, and they refused to cancel application. They advised me it was already approved. I advised if I can cancel sending the money, they declined. I advised if I send it back in full. They advised me that I will still owe the admin fee and any additional finance fee which includes ex. If I borrow XXXX then I have to pay them back XXXX + XXXX in finance charges totaling XXXX, so if I return it same day I will still owe them the additional XXXX. This is ridiculous since I was returning it as soon as they gave it to me. I shouldnt have to owe anything. Since they also refused to cancel it. I tried calling for resolution, they would hang up on me. I asked to speak with supervisor and they would hang up on me instead of transferring me. I asked to speak to the supervisors, manager and the CSR would hang up on me. I got no resolution or anything saying, if you would like to continue with the loan that you have been approved for and here are the fees. They didnt give me any options to reject it. I feel that this is illegal, especially since I have been trying to cancel this before it even got sent out. I would say no one should ever get any loans from Avant.com they are predatory and prey on the old and poor like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without consent to apply for a credit card with XXXX XXXX. That application resulted in an inquiry into her XXXX credit report XX/XX/XXXX. XXXX 's was notified of this in an official dispute XX/XX/XXXX however as of this date XXXX 's has not replied to our client with the status of the results of that dispute as is their obligation under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because on my reports from XXXX Trans union and XXXX They show i have a Public record of Bankruptcy dated XXXX in which I've never applied for. I contacted the Bankruptcy court via mail also stating to me they did not report this to either bureau. I've also found several inconsistency 's with all three reporting 's on my report which is an FCRA violation and is grounds for immediate removal. XXXX shows the court as US Dist ct  Transunion shows US Bankruptcy Court and XXXX Shows US BKPT CO XXXXXXXX as the reporting court. Please remove immediately these are fraudulent and inaccurate and don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several complaints about negative items reporting on my credit that are fraudulent and should be removed permanently from my file yet I haven't heard anything in response to my demands in months. This is outrageous and I demand this be rectified immediately as it is damaging my ability to obtain new credit. I had a change in address and provided the supporting documents.
Product: Debt collection

Midland Funding , LLC and their subsidiary, XXXX, XXXX, XXXX had a judgment against me in XX/XX/XXXX and garnished my wages for four months in XX/XX/XXXX collecting {$3100.00}. The debt I owed was {$2500.00}. The debt was paid and they have recently started garnishing my wages again in XX/XX/XXXX taking {$830.00}. I called the legal department of my company and she stated that they collected the funds in XX/XX/XXXX and she does n't understand why they are garnishing my wages again. I 'm filing a complaint because I believe they are unlawfully taking funds from my check now.
Product: Credit reporting

A XXXX XXXX acc. closed in 1997 is still on my report. Untill I closed it due to divorce it was always paid on time.
Product: Bank account or service

I encounter fraudulent activity on my account ending in XXXX. Now they are threatening to close my account on XX/XX/2016. But I ca n't make a deposit nor do I have a bank card, and I do n't want to put money into an account they have n't fix yet. if its fraud, I would like for them to post my credits. 
My current balance is $ -XXXX with US BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$17000.00}
Product: Credit reporting or other personal consumer reports

I have my student loans reported on my credit report which is a violation of my rights under 20 USC 1232g ( b ) The Family Educational Rights and Privacy Act which states that " No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section. 

Not only a violation of my rights under 20 USC 1232g ( B ) but also reporting this is also in direct violation with the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, at the XXXX XXXX, TX  XXXX Dealership, my husband and I went to a XXXX dealership to investigate buying a new vehicle. We told our salesman as well as the sales manager to only do a soft credit check and not to send anything off to any banks. After refusing to buy a car from their dealership, and 3 hours of waiting for some kind of offer on paper, we asked for our keys back to our trade in, and to cancel any proceedings. As we felt we had been treated poorly, and informed them we would be going to a different XXXX dealership with better customer service. After informing us of my fico score of XXXX or so, 2 hours after we left, I received multiple notifications that our questions and personal information had been forwarded to every bank they do business with, against our specific instructions, and without our knowledge to make it harder for me to purchase a car even from another XXXX dealer. It was done out of spite after refusing to buy from their location.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting late payments for State of Texas/Student Loans when no payments were late as the loan has always been in deferment. Disputed the account and Experian changed the status to deferred but did not remove the late payments. Also reporting the balance incorrectly and still continues to report the same information even after the information provided from the loan servicer states otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2200.00} ; XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX {$760.00} company name general revenue corporation collection not my debt do not belong me wish it be remove asap
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Product: Mortgage

I am a XXXX XXXXXXXX that work for the state of New Jersey during the entire pandemic at a residential home for the Developmentally Delayed. I was forced to apply for forbearance during the COVID 19 crisis due to decrease in work hours from my part-time job. When I finally was able to start paying my mortgage due to increase in work hours, I sent a payment to my mortgage company 's loan servicer Specialized Loan Services on XX/XX/2021 and the amount was returned I was told they need the entire 6 months paid. I did not have the amount and requested to refinance. They told me that they were not a refinancing company and I had to find one on my own, which I did. However the process took a while but I was able to pay the entire amount owed in order to get the lower interest rate with the refinancing. 

I am XXXX years old, planning retirement and want to down size but I can not get a lender to pre-approve me as Specialized Loan servicing has recorded that period of arranging a new refinancing company to take the loan over as credit default, thus preventing me from getting a home that I can afford when I retire. 

Please help me to get the credit demerit deleted. I will highly appreciate that.
Product: Credit reporting or other personal consumer reports

The ERRORS reporting on this account are astronomical and is in direct violation of CDIA standards and FCRA laws. Please delete the inaccurate reporting off my credit report! I HAVE OUTLINED EVERY INCACCURACY, PLEASE FIX THIS***-**Misrepresentation is FRAUD! Please remove these unvalidatable claims at once! *** I hereby present the details pertaining to XXXX XXXX XXXX and XXXX. It is imperative to acknowledge that the aforementioned data has not been certified to conform to any recognized reporting standards. Therefore, the accuracy, currency, and comprehensiveness of the data can not be guaranteed. Furthermore, it is important to note that this information might be incomplete, outdated, or lacking proper support. In light of these circumstances, I kindly request the removal of any erroneous or unsupported content from the aforementioned page. 

Please find the attachment down below, Best Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Experian they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.
Product: Debt collection

I am a practicing XXXX XXXX and I value my Sundays, my worship days, my rest days. Chase used two phone lines to call me and collect " debt '' that I DO NOT OWE! an FTC report has been filed. The two phone lines CHase has been calling from were : XXXX ( Florida ) and XXXX ( XXXX XXXX, TX ). The calls spanned anywhere from XXXX XXXX to XXXX XXXX. These phone calls not only disturbed my days of rest, but has given me too much anxiety, to the brink of panicking throughout the day. These calls were barbaric and unbecoming. They contribute negatively to my mental health.
Product: Vehicle loan or lease

On the XXXX of XXXX, I XXXX XXXX, and my husband decided to purchase our lease from GM Financial. We went through our bank to make the purchase. A check was mailed to GM Financial with paperwork requesting for the title and XXXX XXXX  XXXX to be assigned to our bank. However that is not the way things went. Unfortunately things did not go as planned on the part of GM Financial. They mailed everything to the wrong address, not to the bank nor to us! We have leased 3 vehicle going through this establishment, and I'm not sure a 4th will happen after this! We were given 60 days until our 1st payment would be due, which is now coming up fast. I have requested for some type of compensation considering the improper handling of everything, and I was told they will do NOTHING. They have now requested for a duplicated title, to which they informed me will take about 45 days. Then they can over night it to us, but hey should be sending everything to the bank that requested for the original paperwork. When we were not able to find another vehicle for less then {$3000.00} over MSRP, so we thought to extend the lease. They did not give us any credit towards the residual for any of the 3 payments we made totaling ( {$1000.00} ). When I asked why we are not receiving any credit towards the vehicle, they said that was not the way it works!? 
I have the paperwork that was sent to GM Financial which does not request anything to be sent to us only to the bank. It is because of this, we are very confused why it would be sent anywhere else. We were at the understanding that we were dealing with a business that does these kind of things daily ... .what could go wrong, right. Now we will be responsible to make a payment on a vehicle we can not use, which is not fair business. It seems like the only thing they did right with in this transaction was cashing the check that was mailed to them. Now that they have our money and then some... they do NOT care to except blame or do anything to make things better. I requested for the information to reach the CEO of GM Financial to which they refused to give to me directly when asked! I was told that I could look it up for myself using XXXX, or that I could try to find it on their website. 
I feel like this could have been handled much better especially with a customer that has done multiple leases, maybe the money means more to them then the customers. They have been paid in full plus more, we should either have our necessary paperwork or think about covering the cost of a rental until everything is corrected, after all they made the mistake that caused all the issue we are dealing with.
Product: Credit reporting or other personal consumer reports

I disputed an account with XXXX XXXX XXXX on XX/XX/year> company and credit reporting agency, Experian, they stated the account was verified as accurate on XX/XX/year> and would remain on the credit report. Experian did not provide the requested validation. I submitted a second dispute for the same account on XX/XX/year> and Experian again stated on XX/XX/year> that the account was accurate and would remain without providing any validation information. I submitted a third dispute for the same account on XX/XX/year> and Experian stated the account was verified as accurate on XX/XX/year> and would remain on the credit report without providing any validation information.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX 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 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 the information is inaccurate.
Product: Debt collection

Called repeatedly every minute on the minute. Sometimes as few as 20-30 seconds apart. Sometimes after I repeatedly told them to quit calling every minute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 2 ) ( ii ) Section 623 ( a ) ( 7 ) requires a financial institution including mortgage companies to provide consumers with a notice either before it provides negative information to a nationwide consumer reporting agency, or within 30 days after reporting the negative information on my credit. I was not made aware these remarks were going to be placed onto my credit prior to or 30 days after.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard inquiries on my credit report from XX/XX/2020 and XX/XX/2020. The company is listed as XXXX XXXX. I called Equifax and told them that I never applied for a home loan and the inquiries were a result of fraud. I asked Equifax to remove the two fraudulent inquiries but they refused. 
Equifax told me that I needed to find an attorney and complete a Affidavit. I did not make the inquiries so I should not have to go through the trouble of finding an attorney to complete an affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Complaint filed against XXXX XXXX XXXX on XX/XX/XXXX CFPB Complaint ID : XXXX XXXX XXXX XXXX ID XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Original Acct XXXX # : XXXX As it pertains to my CFPB complaint filed on XX/XX/XXXX with a Debt Validation letter to XXXX XXXX XXXX they are in violation of the law by not responding to the Debt Validation within a 30 day period pursuant to 15 U.S. Code 1681i - PROCEDURE IN CASE OF DISPUTED ACCURACY. As a result of this violation consumer reporting agencies must abide by the law and promptly DELETE this unverified and negative item from my credit file. SEE LAW ATTACHED and below.

15 U.S. Code 1681- Procedure in Case of Disputed Accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ), before the end of 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( AGENCY is the CFPB in this matter ) ( 5 ) Treatment of inaccurate or unverifiable information - SEE LAW ATTACHED and below ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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. 


NOTE : XXXX. The CFPB sent a notice to XXXX XXXX XXXX on XX/XX/XXXX that their response time is Past Due - SEE ATTACHED On XX/XX/XXXX I called XXXX XXXX XXXX to inform them this is not my debt and asked them to respond in writing to my complaint through the CFPB, they asked for my email address, rushed me off the phone and sent a settlement offer for a debt that isn't mine - SEE ATTACHED.