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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX  ; XXXXXXXX XXXX ; LXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I noticed on my credit report that I had an account go into collections on XX/XX/XXXX. It is from service received for an emergency room visit on XX/XX/XXXX in the amount of {$550.00} & I have not been notified of this debt to this day. I do not remember going to the ER during this time. No phone calls were made to me or any forms of communication except reporting it on my credit report. I have had a new residence since XX/XX/XXXX which has been properly reported to the state & local post office.  Now it is on my credit report showing as a negative & derogatory account in collections. I am the one who reached out to Midwest Recovery Systems when i noticed it on my report today XX/XX/XXXX to resolve & asked politely for them to remove it from my history because to my knowledge it is past the statue of limitations of when they can try to actively pursue this debt & they refused, the response was they have 7 years. It took Midwest Recovery Systems - 6yrs. 1mo. to report this debt & i believe it is inaccurate & past the statue of limitations of which they are allowed to handle & pursue this debt. I also do not believe this debt is mine to owe regardless & they could not provide any paperwork, only the date of service.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I, XXXX XXXX asked the XXXX credit reporting agencies to investigate numerous accounts due to the information being inconsistent amongst all three reporting agencies. This was done via certified mail, tracking numbers are : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX All three reporting Agencies responded back as " verified '' as the conclusion to their investigations. On XX/XX/XXXX I asked for methods of verification and I haven't received the information requested since then. This was done via certified mail, tracking numbers are : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I requested the methods of verification again via mail. his was done via certified mail, tracking numbers are : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX I requested that these accounts are REMOVED from my credit profile if the information requested is not provide within 30 days.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer inges to privacy and confidentiality under 15 UC 1681 The accounts below have violated my rights 15 USC 1681 section 602A, States I have the night to privacy 15 USC Bar Section 004 A Section 2 : It also states a consumer reporting pency camot Sumish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may maka any consumer report containing any of the following items of information Any other adverse em of information, other than records of of convictions of crimes which antedates the report by moe than seven years 15 USC 1681-2 ( A ) ( a ) A person shall not furnish any information relating to a consumber to any consumer reporting agency if the person knows or has reasonable cause to believe that Information is inaccurate. 

Delete the accounts bellow : XXXX XXXX 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

Please check the information concerning Experian not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, in attachments.
Product: Debt collection

This company is reporting on my credit, this company is not licensed and bonded in my state to collect debt. This is a joint account and I am the only one being pursued to pay, I have informed them to contact other party they stated that I am responsible for the whole amount " We don't care who pays it just needs to be paid in full and you are the only one answering so you are responsible '' pushing to use my tax returns to pay for debt so it doesn't report on my credit but at that point it already was on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

collection agency called my former employer, claiming to be with the XXXX XXXX XXXX XXXX. Said that they were going to send an officer there the next day to serve me a subpoena if i did n't call them back in the next 15 minutes. When i called, the person answered " corporate office. '' I asked him what company he was with and he refused to answer.
Product: Mortgage

Nationstar/DBA Mr. Cooper and their Predecessors have not sent Welcome and Good-bye letters when my mortgage changed ownership. 
My loan originated on XX/XX/XXXX, with XXXX  XXXX XXXX. According to the Pooling and Servicing Agreement, the loan was assigned to a XXXX XXXX Trust on XX/XX/XXXX. I did not receive a letter of notification by either XXXX XXXXXXXX XXXX or XXXX XXXX. 
According to a recorded Assignment of Mortgage which took place on XX/XX/XXXX, the mortgage transferred ownership from XXXX XXXXXXXX XXXX to the same XXXX XXXX Trust. There appears to be a missing Assignment of Mortgage which should have taken place between XX/XX/XXXX and XX/XX/XXXX. If there is no such Assignment of Mortgage, XXXX XXXX  XXXX would not have had the legal standing to transfer ownership back to the XXXX XXXX trust, since it was apparently already owned by XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I did not receive letter notifications from either XXXX   XXXX XXXX or XXXX XXXX between the dates of XX/XX/XXXX and XX/XX/XXXX when these transfers of ownership should have taken place. 
On XX/XX/XXXX, the mortgage was transferred from the XXXX XXXX trust to Nationstar Mortgage. Again, I received no letter notifications from either Nationstar or XXXX XXXX informing me of this transfer of ownership. 
On XX/XX/XXXX, the mortgage was transferred from Nationstar Mortgage back to the same XXXX XXXX trust. Again, I received no letter notifications from either XXXX XXXX or Nationstar. Since XX/XX/XXXX, my mortgage has apparently changed ownership 4 times and possibly 5 times. 
As specified in the Truth in Lending Act, the owners of my mortgage were required by law to inform me in writing of these ownership changes. 
Truth in Lending Act, 15 U.S.C. 1641 ( g ) Liability of assignees states the following : ( g ) Notice of new creditor ( 1 ) In general In addition to other disclosures required by this subchapter, not later than 30 days after the date on which a mortgage loan is sold or otherwise transferred or assigned to a third party, the creditor that is the new owner or assignee of the debt shall notify the borrower in writing of such transfer, including ( A ) the identity, address, telephone number of the new creditor ; ( B ) the date of transfer ; ( C ) how to reach an agent or party having authority to act on behalf of the new creditor ; ( D ) the location of the place where transfer of ownership of the debt is recorded ; and ( E ) any other relevant information regarding the new creditor.

( 2 ) Definition : As used in this subsection, the term " mortgage loan '' means any consumer credit transaction that is secured by the principal dwelling of a consumer.

I have requested copies of these Welcome and Good-bye letters many times, but have never received them.
Product: Credit card or prepaid card

On Sunday XX/XX/2022 some company name XXXX XXXX  took {$40.00} out of my Cash App prepaid Visa card. I have never heard of this company but found numerous complaints from others on XXXX. I am a Senior Citizen on low income, I need my money. I cancelled the card with cash app but my available balance is still {$1.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair collections & outsourcing is reporting to XXXX  as a collection which is not, it is a paid to delete account which should be removed which was removed for the other two credit bureaus.
Product: Credit reporting or other personal consumer reports

I found Fraudulent inquiry in my credot report plese remove it XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Thank you for your time This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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.

15 USC 1681e ( b ) Compliance and procedures ( 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.

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.

15 U.S. Code 1681 to ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

the following personal information is incorrect I demand that the following personal information be DELETED immediately XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit card or prepaid card

I purchased a spring break vacation trip XX/XX/2020 to XX/XX/2020 to XXXX for my family ( XXXX, XXXX, and I ). XXXX booked the resort and the airline tickets thru XXXX XXXX for the three of us. Before XX/XX/2020, XXXX XXXX cancelled the flight and offered no alternative travel arrangements. The Federal Government issued an order banning all non-essential international travel. This trip was a vacation outside of the United States which is considered non-essential travel. The State of California issued a stay at home order prior to the scheduled travel date. If we flew on this flight, it would have been a violation of the state order. 
It is important to note that we still wanted to travel on this flight and were ready to travel. However, we were unable to do so due to XXXX XXXX cancelling the flight and offering no alternative flight. Therefore, by responding to my dispute, XXXX XXXX is attempting to charge for a service they never delivered. Furthermore, we also were in no position to violate any Federal and State orders not to travel. 
It should be further noted that the airlines have been ordered by the Federal Government to refund fares paid for by consumers. Therefore, XXXX XXXX should not even being responding to the dispute. 
Finally, per the fair credit reporting act, Citibank as a credit card company can not charge for a product or service that was never delivered. When XXXX XXXX cancelled the flight and offered no alternative flight, they were in essence trying to charge for a service they were unable to deliver. 
Therefore, if Citibank decides to rule in favor of the airlines for this dispute, Citibank will be in violation of Section 621 ( a ) ( 2 ) of the Fair Credit Reporting Act which provides a per violation penalty from {$3500.00} to {$3700.00} per incident. 
I did submit my dispute with Citibank, and all the required documents to prove that XXXX XXXX did indeed cancel their flight. Also Citibank only refunded one ticket and rejected my two other tickets.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SPECIAL SERVICES DEPARTMENT ACCORDING TO FRAUD AGENT XXXX AT EXPERIAN SPECIAL SERVICES THE FRAUDULENT XXXX ACCOUNT IS NOT ELIGIBLE TO BE REMOVED WITH DOCUMENTS I SENT, THE FTC IDENTITY REPORT AND POLICE SHOWING THAT SOMEONE HAS ALREADY BEEN ARRESTED FOR THIS CRIME AND YOU CAN NOT REMOVE IT BECAUSE THE ACCOUNT AND DOCUMENT DOESNT MEET CRITERIA FOR IT TO BE BLOCKED. DOESNT MEET EXPERIANS INTERNAL CRITERIA TO BE BLOCKED. I ASKED WHAT INTERNAL CRITERIA IT DIDNT MEET AND WAS TOLD I COULD NOT BE TOLD THAT ITS AN INTERNAL REASON. EXPERIAN IS KEEPING FRAUDULENT ITEMS ON MY CREDIT AND VIOLATING FCRA WITHIN 30 CALENDAR DAYS IF THE CREDITOR HAS NOT RESPONDED THEN THE ACCOUNT SHOULD BE DELETED. ACCORDING TO XXXX. XXXX STATED ON THE XXXX OF THIS MONTH BEING XXXX  IT SHOULD BE DELETED IF XXXX DIRECTLY DOESNT RESPOND NOT A THIRD PARTY COMPANY. 
I called in XX/XX/2021 at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told that experian is refusing to block these fraudulent items because of their INTERNAL policies which have nothing to do with the LAW. This is defamation and improper use of my credit report. This is a violation of the Federal Trade Commissions policies and legalities. Block and delete this account permanently from my credit report. Abide by the law and FTC requirements and Sec 604 and 609 of the FCRA
Product: Student loan

I applied for a deferment in XX/XX/2018. On XX/XX/XXXX I was approved. I received a billing statement from Nelnet showing a XXXX balance due. As of XX/XX/XXXX I am receiveng calla from Nelnet seeking payment and late charges. I attempted to call but the customer service agent made no attempt to research my claim amd only offered to send me another deferment application even though I told her I had email verifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XX/XX/2018, I had received notice from a XXXX XXXX that it was new inquiry was added on my XXXX report. I did not apply for anything with this company or gave anyone permission from that company to run my credit. I am not familiar with the company. The company is called XXXX XXXX. They ran my credit resulting in a hard inquiry being placed on my credit report.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX. # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX # XXXX
Product: Vehicle loan or lease

I had originally CFPB complaint # XXXX for Kia Motors not providing the correct Bill of Sale and Title after we purchased the vehicle. Kia omitted the sales tax we paid. Vehicle was originally a lease and we paid off balance in XX/XX/2021. 

Kia finally provided the updated and correct Bill of Sale after the CFPB complaint. I have sent the signed Bill of Sale XXXX times to Kia Motors and they have not provided me the corrected title ( including the sales tax I paid ). I had mailed a copy of the signed Bill of Sale on XXXX. I also faxed a copies on XXXX and XXXX as evidenced by the fax transmittals. 

I have requested a phone call from Kia to explain to me why there is such a delay. I have made numerous phone calls to the call center and their is no resolution or satisfactory action. It has been almost XXXX  months from when the vehicle has been purchased. The car 's registration expired in XXXX and we have been unable to drive it since. Kia has not made any attempts in contacting me to explain. The latest mail postmarked XXXX ( but Kia letter dated XXXX ) provided the Bill of Sale. I have sent the requested signed Bill of Sale multiple times. A copy is included in the attached fax dated XXXX.
Product: Credit card or prepaid card

Hello, I just learned from SunTrust customer service that they charge daily interest on overdraft amounts from deposit accounts and make it very difficult -- intentionally obviously -- to pay the amounts back so the usurious fees may continue being charged into perpetuity if all goes to the business plan. There is no way to pay the overdraft amount back without paying the entire balance of the credit card! This is predatory and just a way to generate unfair interest charges by making it very difficult to pay back the debt. I think the disclosure is also inadequate or unclear to consumers. 

See the link here to the FAQ on how to set up a credit card overdraft feature. There is NO DISCLOSURE of the 26.99 % rate or the most important fact that it can not be paid back short of paying off the full balance of the card unrelated to any overdraft balance. 

https : XXXX Can you help to require SunTrust to provide a way to pay ONLY the amount overdrafted and to stop the usury interest charges. I would note the bank will say they " have no way '' to divide the balance for payment, while at the same time they charge much higher interest for the separate balance! 

These fees were most recently charged XX/XX/2019 to my personal credit card with SunTrust. The account is in my name. 

Thank you for your attention to my concern. 

Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

In complaint against XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX states : XXXX. With the encouragement of federal and state authoritites, on or about XX/XX/2020 I applied to XXXX for mortgage forebearance and associated accomodations for a period of three month due to a C0-Vid financial hardship. 
2, In response, XXXX agreed to make an accomodation with me to forbear from the collection of any payment for XXXX, XXXX and XX/XX/2020. 
3. XXXX further agreed to accept double payments for XXXX, XXXX and XXXX, 2020 being automatically withdrawn from our checking account on the XXXX of these months in lieu of the normal deadline of the XXXX of each month. 
4. Nevertheless, in direct violation of the agreement, XXXX reported me as deliquent in my paymentsfor XXXX and XXXX despite my timely payments. 
Negligent reports were made to Trans Union credit rating agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX. I am reaching out again because DEPT OF ED/NELNET Netnet did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from Nelnet. Nelnet has incomplete accounts numbers -showing partial account numbers. Some are showing XXXX days back-to-back, while some say XXXX then back to XXXX back to XXXX the XXXX days late. I have requested under law fix this by removing this erroneous information. I am at my last rope. I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. 
There is also payment as if I had paid on some of the accounts. This is also not true. 
XXXX impartial accounts and all three credit reports XXXX different amounts and dates on all three credit reports XXXX causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note. 
XXXX. When making the attempt to write DEPT OF ED/NELNET is showing XXXX different addresses? 
How was this information verified, crossed reference? How? 
I received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. 
different dates, different amounts, different actions. 
Because of this mismanaged information. I am requesting this be removed immediately. Not in 30 days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all three credit reporting agencies and reporting. I can afford to wait another 30 days for this company to fix this. 
I am really needing help. 
Thank you for reading. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following date ( XX/XX/23 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.