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

This account is still showing on my credit report and its over 2-3 months. Ive contacted Transunion and the collection agency. No information given. No status update. Nothing. I never entered contract with any of these companies and Transunion and XXXX XXXX and I never gave permission nor notified of this account even adding to my credit report. This account was added without my knowledge and now Transunion is ignoring my investigations. 

Also for the US DEPT ED account - no contract with this as well. This account is discharged as well. I do not even owe any student loans, that's how I know they XXXX not investigating into anything. 

Please know, I do have ALL of the tracking for these investigations and I have filed report with FTC as these account shouldn't even be on my report.
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 XXXX  Account Number : XXXX Account Name : 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX - Account # XXXX, XXXX - Account # XXXX, has violated my rights. 

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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: Mortgage

Had launched complaint about Pedfed Credit Union, they responded with false information to me that can be proven with documents provided to me by PenFed Credit Union. Stating my payments were adjusted to {$990.00} after insurance was dropped in XX/XX/XXXX, but I have records ( Example ) showing on XXXX XXXX XXXX my payments was {$990.00}, and at beginning of my Home Equity Loan was {$990.00}
Product: Mortgage

My name is XXXX XXXX, I am filling a complaint against Chase Home Mortgage for their miss treatment, and carelessness toward the homeowners. On Monday afternoon XXXX XXXX, 2015 I received a letter from Chase Home Mortgage stating my loan was being transferred to an entity XXXX starting XXXX XXXX I was in shock, stun overwhelmed, they do not give you any information of this entity, how can they expect the homeowner to make a mortgage payments when they notify you within days from your next mortgage payment. It is my belief they are doing this malice, deceitful practices against the homeowners in order for you to fall behind your mortgage payment as a result you lose your home. 

I have been with chase for several years, I did not request my loan to be transfer to this entity, I have the convenience of taking my mortgage payments directly to the branch assuring my payment gets posted and received. I call Chase Home Mortgage on Tuesday XXXX XXXX, 2015 advising them I was refusing to have my loan transferred to this XXXX entity and their respond was You Do Not Have Any Say So In Ths Matter " can you believe this ''. How is it possible for these banks who are serving our loan to transfer the loans without the home owner 's permission or acknowledgement this is clearly a violation and unfair practice against the home owners, if a homeowner request to stay with the servicer who is serving the loan it should be granted not denied. I am requesting investigation for the malice, scamming and deceitful ways. I request you put a stop to these transfer without the homeowners approval. 
Thank you XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/2017 my wife and I were approached by XXXX through my phone ... they told us that they were in business with XXXX XXXX and that SXXXX XXXX gave them our Information ... So they went on to say that they could have us get inventory through Thousands of Manufactures..without paying XXXX stocking fees , and XXXX said the Manufacutures dont get paid until you get paid ... .that was the first lie we later found out that we paid the money upfront when a customer purchased IN OUR STORE THROUGH XXXX ... .so we had to pay for product first through XXXX website before XXXX would even consider releasing the money ... and then when we paid upfront throgh XXXX the manufacture got all their money ... and we had to wait to be paid through XXXX to release the money to us ... XXXX lied and said they had online Coaches that were their to train us ... said we could easily make XXXX plus a month ... said Because your With XXXX XXXX ... were here to help you to Suceed ... we had no one to help us with learning the program after we paid XXXX to XXXX ... .And as we speak we have sold only 1 product ... NO training, and so we told the credit card company FIFTH Third Bank ... they reversed the XXXX and then the following month reversed it and put it back on our card after we shared with them that we did not get the service st all that we paid for,,, We new that XXXX was doing their job at all ... they later told us to figer it out with videos that were old to learn ourselves after we paid the XXXX ... .Their attitude totally changed..so we were forced through Fifth Third Bank to pay the money ... .and so we later found out that their Manufactures dont have a lot of supply of product they may have 8 items but there may be thousands of sellers downloading that same 8 items in their store on XXXX ... so when a client did want to purchase i was told that the product was gone no longer available and this will get us shut down quickly with XXXX ... look at all the XXXX   reports of the people who filed on XXXX ... we told FIFth third please put back on card but we were denied ... .SO just recently these same people were indorsed by XXXX XXXXk and of coarse XXXX XXXX HAVE BEEN SHUT DOWN AS OF XXXX XXXX ... FTC CAME IN AND CONFISCATED THEI ENTIRE SCAM ... XXXX WAS ON THEIR WEBSITE FOR ALL OF XXXX XXXX CLIENTS ... THEY XXXX  WAS ENDORSED BY THESE THIEVES XXXX XXXX ... SO I INFORMED FIFTH THIRD ABOUT THE RECENT HAPPENINGS..AND WE WERE TOLD ... THATS A OLD CASE AND THERE IS NOTHING WE CAN DO ... AGAIN I SAID NO THIS IS FRAUD AND SO THATS WHEN FIFTH THIRD SAID WE WILL LOOK INTO IT ... BUT I HAVENT HEARD AT ALL FROM THEM ... NO WE WERE RIGHT IN XXXX OF THIS YEAR WHEN WE CALLED FIFTH THIRD TO SAY PLEASE THERES SOMETHING NOT RIGHT WITH COMPANY WE ARE NOT RECEIVING THE SERVICES THAT WE PAID FOR ... AND NOW TO KNOW THEY WERE IN WITH XXXX XXXX XXXX WHERE WE INVESTED IN XXXX FOR XXXX XXXX XXXX ... AND THEY RECOMMENDED XXXX ... .NO RED FLAG AGAIN ... RED FLAG OUR GUT FEELING WAS RIGHT MONTHS AGO ... GIVE US OUR CREDIT BACK ON CARD ...
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence di a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX  complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report contains incorrect personal information, which has led to the appearance of an unknown and inaccurate account. As a victim of identity theft, my personal information was used fraudulently, resulting in an item on my credit report that I have no connection to. Following the guidance of the major credit bureaus, I promptly filed an FTC Identity Theft Report and submitted it along with supporting documentation. Despite taking these steps, the fraudulent item remains on my report.
Product: Debt collection

I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX previously submitted is NOT closed or solved. Please reopen this case. THIS CASE IS STILL NOT RESOLVED. 

There is still major problems going on with my loan closing and I am still being reported as having a delinquent account as well as my payment being returned to me, again. This is the the third payment that has been returned to me and there is no resolution or access to my account online as of today. Documents are signed and notarized. XXXX has been closed. This bank has us financially XXXX. We still can not obtain a loan for XXXX XXXX XXXX plans this year and we still can not get a loan on a car that we need badly due to the fact that this bank has reported us over and over for nearly a year as delinquent. All Citizens bank parties are confused and never give me the same information. No one seems to understand why my loan is not allowing me to make payments or that I still have delinquent reporting. It seems almost as if there are XXXX loans in my name. PLEASE REOPEN THIS CASE. It is not over.
Product: Mortgage

I purchased a house using my VA loan FLAGSTAR BANK last XX/XX/XXXX. when i closed i was told my insurance and taxes were included in my payments.of {$990.00}. 
In XX/XX/XXXXI recieved a letter from my insurance company to say that i never qualified for wind mididgation at closing last year, and that my insurnace had gone up from {$1000.00} to {$2000.00} Then my morgage company told me that becase they did my assesed taxes on the prior owner my taxes have trippled causing my morgage to go up by {$600.00} a month. 
I am a single woman vetran that has just been taken advantage off as I would never have purchased a house that a year later my payment would go up {$600.00} a month which i can not afford.I WILL NOT BE ABLE TO PAY THIS AND WILL LOOSE MY HOME. 
I feel the morgage company was very dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$410.00} XXXX XXXX Balance : {$3600.00}
Product: Debt collection

I sent letters to have this account removed if my credit reports due to being reported inaccurate on my credit report. 15 U.S.C. 1681 section 602 A. 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: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to have 'Healthcare Collections ' accounts removed from my XXXX report. These have been removed from both of the other agencies. I asked for documentation to be sent to me where I signed originally for this collection and they have not honored that request. Additionally all the credit bureaus continue to report my XXXX bankruptcy. My score never goes above XXXX points and I feel the system is targeting me unfairly. There is no clear path to increase a score, no bureau offers any help with this or program to do this yet it impacts every aspect of my life!!!! This score has held me back from owning a home. Caused me to get denied for housing in apartments. Caused me denial from jobs. This score impacts my ability to feed my family. These bureaus have to much control over my life and give me no help in increasing this number in any way at all to better my situation. I am thinking of suing the companies for this reason as this has caused much XXXX  anguish for me over the years and is bearing heavy on me XXXX  daily. Something needs to be done to help us get these scores raised!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these inquiries I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Premier auto credit has abused my rights and violated 15 USC 1692 under FDCPA They are in violation of 15 usc 1692b ( 5 ), 15 usc 1692f ( 8 ), 15 usc 1692c ( a ), 15 usc 1692e ( 2 ) ( A ), 15 usc 1692b ( 2 ), 15 usc 1692f ( 1 ), 15 usc 1692e ( 11, 15 usc 1692e ( 14 ), 15 usc 1692d ( 5 ), 15 usc 1692c ( a ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 Credit Bureaus 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! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am sending a formal complaint about capital one. There is a {$1200.00} charge ( {$800.00} plus {$400.00} ) from XXXX XXXX on XX/XX/23 for gift cards that I purchased in order to receive concert tickets from XXXX. I did not receive the concert tickets. I provided capital one with a police report since the XXXX number I called to purchase tickets ended up being a fake phone number listed online. When I called XXXX, the representative told me she can not take credit cards or personal information so I need to purchase a gift card in order to receive the tickets. I have also filed reports with other agencies including the Federal Trade Commission, report # XXXX and the NY State Attorney General, report # XXXX. After multiple calls to Capital One explaining my situation in detail and providing the reports, I have been sent a final letter that the case is closed and that they are reapplying the charges. I feel that I should not be held responsible for these charges since I did not receive the tickets. Also, when I spoke with XXXX from Capital One at XXXX XXXX on XX/XX/23 ( her ID is XXXX ), she told me there is nothing they can do for me, but in certain situations they can make exceptions. When I asked what she meant by that, she said if an elderly person was scammed they can look into removing the charges. I was appalled. That is age discrimination. Because I am not an elderly person they will not consider removing these charges that they know I should not be responsible for? No matter what age a person is, if you make a purchase and do not receive the product, the credit card company should back the consumer up. In this particular case, XXXX XXXX was not at fault so they say this does not fall under fraud or a dispute so they will not help me. It is very concerning that such a large well known credit card company is being completely resistant in relieving me of this debt.
Product: Vehicle loan or lease

On XX/XX/, 2018, XXXX XXXX repossessed my car. I have called their redemption department as directed. After waiting on the line for 45 minutes it disconnected me. I called back to be told that the lady who told me to call the redemption department gave me the wrong time and they didnt open till XXXX XXXX Central. So i waited till XXXX XXXX Central time and called again. After waiting on the line for another 45 minutes, the operator told me they were closed and to call back between XXXX and XXXX XXXX Central time. It was already XXXX. I still do not know the correct time they are open. I have called back several times and after 45 minutes, it disconnects me. I keep calling the main line back and they insist they are not able to give me any info. I must contact the redemption department but I can not get ahold of them.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX  XXXX and placed on collection with XXXX XXXX XXXX on XX/XX/2021 under the account number XXXX. This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Here is a list of the hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of these credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Midland Credit contacted me in regards to an account that i have no idea about. When asking for verification, the agent stated " You know this is your XXXX XXXX '' I asked the agent to then repeat what he said, and he said it again. He also told me he will call me everyday until I pay them. I asked them not to contact me again unless its in writing. They have called as early as XXXX and as late as XXXX pm, stating they are different people each time. I also have been recieving multiple items in the mail concerning this debt when i am just asking for verification.
Product: Mortgage

My mortgage is serviced by BSI Financial Services. They are required to provide a Form 1098 reporting my mortgage interest every year. XXXX XXXX on the Form 1098 is where the " mortgage acquisition date '' is supposed to be disclosed, but BSI never discloses that they acquired the mortgage on my Form 1098, and every single year I have to call them and email them and attempt to get it resolved. BSI should provide accurate Form 1098s as required by the IRS.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan for {$400.00} and was making the payments on time and had a situation come up to where I needed to refinance. I refinanced for another {$600.00} which made the entire loan come out to {$1000.00}. I been making the payments since then and stopped in XXXX of XXXX because after looking at my bank statements not only did I pay the {$1000.00} back I also paid an additional {$1500.00} on top of the {$1000.00} already paid back. Then told the title loan company I wasn't going to pay anymore money and said they wanted another {$600.00} to refinance the loan to make more payments and told them no and have been threatening to repossession of my vehicle...
Product: Credit reporting or other personal consumer reports

Equifax violated the United States Code Law 15 U.S.C.
Product: Credit reporting or other personal consumer reports

My credit report is showing unauthorized inquiries from XXXXXXXX XXXX on XXXX, also XXXX XXXX on XXXX These UNAUTHORIZED inquiries has affected my credit profile and is affecting me from using my credit. Under the FCRA, specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy these inquiries needs to be removed and deleted immediately.
Product: Credit reporting or other personal consumer reports

I am making a complaint due to XXXX, XXXX, Equifax reporting unauthorizes accounts and inquiries on my report which I don't recognize.This is against my consumer rights and at this time I feel taken advantage of. Ftc has been files and all accounts needs to be removed from my consumers report. 

Collections : XXXX XXXXt {$8000.00} account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

I never received any notification in regards to this debt from this company they do not have my correct mailing address therefore I was never notified of the debt before they placed it on my credit