23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX reported a debt /Default Judgement owed to a CACH LLC on my credit report to my bank, resulting in my being denied a loan. 

I filed a dispute with XXXX XXXX explaining that the debt was not mine. 
Consumer # XXXX Case # XXXX I explained that : 1 ) That I am a man the suit was against a " XXXX XXXX XXXX '' 2 ) My Name is " XXXX XXXX '' not " XXXX XXXX XXXX '' as was on the judgement 3 ) I did not do business with this company and the debt was not mine. 
4 ) This judgement appears to be a default ( no show ) judgement I asked that XXXX XXXX verify the Social Security Number and Date of Birth with CACH LLC to provide that its not mine. 

I also explained that CACH LLC had tried in past to collect a large {$30000.00} debt against me and eventually dropped the case when they realized that they had the wrong person They eventually realized that the social security number and/Or DOB did not match mine. 

I never heard back from XXXX XXXX on the disputed, so after waiting well over 30 days I reached out to them. They acknowledged that I did not receive a response within the required 30 days. Mentioned that it was an issue on their end. They only explained that they verified that a judgement/lein exists. They didn't verify that it matched my Legal name, soc sec # or DOB Link to court case : https : XXXX? XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

This bill is something that I have not received a statement for. It literally showed up on my Credit Report around two months ago. I disputed and the two credit bureaus have allowed it to stay on my credit despite not have a legitimate statement of a bill of any kind to tell me when this so called transaction happened, etc. Ive had health insurance for many years and usually dont receive any amount owed. This is the reason Im clueless as to what this bill is and why it went straight to my report. If it is an extremely old bill, I thought there were limits on how many years one can seek to purposely damage credit. Please investigate and let me know the dates, the place of service, etc as I have no clue since I havent/didnt receive anything concerning this transaction! Thank you!
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I applied for a job that advertise companies by putting a sticker on your car and driving around They sent me a check for XXXX so I can pay the person to install the sticker and deduct XXXX for my first week payment the same day I received the check I used my bank app to deposit the check I had already XXXX dollars in my bank then I woke up the next morning with XXXX I dont know I would be negative please help me I really thought I was applying for a legit job.
Product: Checking or savings account

Within the past few months Navy Federal has allowed my account to overdraft when my balances were low. However they allowed for the transaction to fully process resulting in several overdraft fees.
Product: Debt collection

After submitting reasonable requests to Ally to prove they did not violate the law, they closed my account, ruining my XXXX XXXX and reputation for less than $ XXXX. 

Please take note of how Ally handles disputes and customers : - I called in several times this week to get on a hardship plan while awaiting the outcome of the investigation and they closed my account. 

- Consumers can only pay via a debit card if the account is past due. This policy hinders those who don't want ACH pulls or have difficulty managing their bank balances. 

- They harass consumers who are behind on their bills violating the FDCPA. 

Please fine them!!
Product: Mortgage

I tried to refinance or get a loan modification considering I had difficulty. The amount of paperwork, phone calls and struggles, I was denied every time. They said I did not qualify if I made my payment sin time. The mortgage was {$4300.00} and interest rate was close to 8 %. I ended up loosing the building and forced to sell in a short sale and paying about $ XXXX Wells Fargo for the short sale in 2013.
Product: Credit reporting or other personal consumer reports

FRCA Section XXXX prohibits CRAs from reporting adverse credit information that resulted from XXXX XXXX XXXXf the consumer has provided documentation. 

I PROVIDED them with XXXX XXXX victim determination letter. They deemed the XXXX  determination letter was invalid, but I still had a signed SELF attesting letter signed by a XXXX XXXX. 
Which only XXXX is required. C ) Is of a signed statement by the consumer attesting that the consumer is a victim of trafficking if such statement or an accompanying document is signed or certified by a representative of an entity described in paragraph ( b ) ( XXXX ) ( i ) ( A ) or ( B ) of this section. 


I got a email on XX/XX/year> stating Based on our review of your request and accompanying documents, the following additional information or documentation is necessary to complete your submission under section 605C of the Fair Credit Reporting Act and 12 C.F.R. 1022.142 : Victim determination documentation confirming that you were a victim of human trafficking, such as determinations made by federal, state, tribal, or local governments, government agencies, or law enforcement ; determinations by non-governmental entities or task forces authorized by a governmental agency to make such a determination, a self-attestation signed or certified by such governmental agency or non-governmental entity ; or a determination by court in a case where a central issue is whether you are a victim of XXXX XXXX Court documents can be made up of several documents from the court case that together show that the court accepted as true or found no genuine dispute that you were a XXXX XXXX XXXX XXXX 

So on XX/XX/year> I resubmitted both self attest letter and victim determination letter. 

By law they have XXXX business days the receive this information and I received a notices stating that Confirmation # XXXX Dear XXXX XXXX, We completed our review of your request to remove information from your Equifax credit file due to the information being the result of human trafficking. 
For the reasons stated below, Equifax has declined your request and has not removed information from your Equifax credit file : To determine the outcome of your request, Equifax reviewed your request, the accompanying documentation, the requirements of Section XXXX of the Fair Credit Reporting Act, and the items reporting on your Equifax credit file. 
Equifax also attempted to resolve the deficiencies with your submission by sending you XXXX notices, but we did not hear from you or you were not able to resolve the above issues in enough time to complete your request. If you have questions about the outcome of your request, wish to appeal the outcome, or want to submit a new request with the completed documents, contact us at ( XXXX ) XXXX ( toll free ) or XXXX XXXX XXXX, XXXX GA XXXX. To submit a complaint to the Consumer Financial Protection. 

They closed my dispute before the XXXX business days and the same day they requested more information. Even thought I already sent all of the necessary documentation.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, emphasizes the importance of consumer reporting agencies acting with fairness, impartiality, and respect for individuals ' privacy rights. Both Equifax and XXXX fall under the category of consumer reporting agencies, and as a consumer, I am concerned about the protection of my private information, which is supported by 15 USC 6801.

Under 15 USC 1681 section 604 a section 2, consumer reporting agencies may only disclose consumer reports with the written consent of the individual concerned. However, neither the financial institutions nor the consumer reporting agencies have my consent to share this information. Therefore, any consent previously given, whether verbal, non-verbal, written, or implied, is hereby revoked.

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that financial institutions can not disclose nonpublic personal information to third parties without offering consumers the option to opt out of such disclosures. However, I was never informed of my right to exercise this option by the financial institutions. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, Equifax, XXXX and XXXX are reporting adverse items without my consent, which is against the law. 

According to 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, consumer reporting agencies are required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports to specific purposes. However, Equifax, XXXX and XXXX are not maintaining reasonable procedures in this regard. 

Additionally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. Therefore, I am formally opting out of the reporting services provided by Equifax, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1692c, it states that, if a consumer notifies a debit collector in writing that consumer refuses to pay a debit or that the consumer wishes the debit collector to cease further communication with the consumer, the debit collector shall not communicate further with the consumer with respect to the debit. The debit collector may only communicate with the consumer, my attorney, a consumer reporting agency if otherwise permitted by the law, the creditor, the attorney of the creditor or the attorney of the debit collector. As a result of my investigation i found that XXXX XXXX has reported misinformation and has continued to disregard the law. Please remove the following items from my report immediately : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank account number XXXX date opened XX/XX/XXXX amount XXXX. 
Account was removed and my initial dispute XX/XX/XXXX then reinserted XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Capital One Auto Finance regarding a repossession listed on my credit report, which states that it is a joint account. I am having difficulty recalling this account and believe there may be issues with the reporting and handling of this debt. Specifically, I am concerned that if there was indeed a repossession, Capital One failed to comply with the Uniform Commercial Code ( UCC ), as I did not receive any correspondence or notification regarding this account. Under the UCC, proper notice must be provided, and the failure to communicate with me about this matter is a serious violation of my rights. 

In addition to this, the payment history reported on this account is inconsistent, with discrepancies that fail to meet the requirements set forth by the Fair Credit Reporting Act ( FCRA ). The incorrect and inconsistent reporting of payment history not only harms my credit standing but also violates FCRA regulations that mandate accurate reporting. 

Given the lack of correspondence, the inconsistencies in payment history, and the overall failure to comply with legal requirements, I am demanding the removal of this unverified account from my credit report. The continued presence of this account is not only unsubstantiated but also damaging to my credit profile.
Product: Credit card or prepaid card

XX/XX/XXXX Upgrade used automatic withdraw to take out my monthly payment and interest. I waited until the next day once i saw what the remaining balance was and payed it off. Now i have a {$28.00} balance for interest. I had just gone through this with XXXX ; XXXX so i made sure the monthly payment was accepted, then selected Payoff Balance.
Product: Checking or savings account

My debit card was cloned and used to cash {$10000.00} worth of fraudulent checks in XXXX XXXX, California at a Chase Bank. I Immediately report this fraud to Chase and they started an investigation. This was elevated all the way up to the executive office in XXXX XXXX, Texas. We were not in California at the time and always had the debit card in our possession Chase has concluded that I am responsible for this fraud committed against me and has taken steps to liquidate all my assets they were holding in addition to pursuing additional collection activity. I am also looking into retaining an attorney to possibly litigate against CHASE..
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Equifax consent to report information on my credit report and they recently exposed that they are inaccurately reporting information on millions of consumers credit reports.
Product: Debt collection

I see several hard inquires on my credit report that I want to be delete. I did not authorize these companies to run my credit. This is fraudulent. I have not applied for an auto loan and the job that they filed along with my credit report is inaccurate and fraudulent. Here are the list of companies that have hit a hard inquiry on my credit report that I need to remove as it goes against my consumer rights. I filed a report with identitytheft.gov
Product: Credit card or prepaid card

I was issued a Bank of America Prepaid Visa card to access my unemployment benefits from Maryland. Every time I tried to use the card Bank of America would put a fraud hold on my card. The last time a very rude BOA employee refused to unblock my card and hung up on me. I ha s contacted BOA repeatedly asking to have the hold removed. BoA states that Maryland Unemployment must remove the hold. I have contacted Maryland multiple times they state there is no hold on my account from them and BoA is to blame. Maryland has sent messages to BoA on multiple occasions confirming there should not be a hold on my account. Last week a supervisor at BoA promised to mail me a check with the balance on my account. This week when I still had not received the check I called back, today the supervisor at BoA stated that the account was still locked and the check was canceled/not processed. I have been trying to resolve this issue for over 18 weeks, BoA is stealing my entitlements and holding them hostage. BoA refuses to provide any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2017 I disputed the balance on 2 of the 3 XXXX XXXX credit cards I have because I paid the accounts off so I wanted to see the XXXX balance on my credit report with trans union. Instead of correcting the balance trans union removed the 2 credit cards from my report they had been on my report for over a year and a half. I called XXXX XXXX several times they verified the information is being sent to trans union with my social security number. Trans Union states they wont add it back to my report because I am only an authorized user, I stated that its been on my report for the last year and a half and they have my social security number if something happens to my husband who do you think they will contact for payment?, me. Trans Union is refusing to add it back. I want the 2 XXXX XXXX accounts added back to my trans union report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was brought to our attention from underwriting for a home mortgage and we are under contract and two weeks from closing. One payment from 2021 during the pademic is preventing my approval and the negative information should not have been reported. I'm referring to year 2021 which was a difficult year financially for my household. We were having challenges with our car payment. I received an extension on my account in XXXX and made a payment it was stated that the payment went towards XXXX but if I was approved for an extension in XXXX why was my credit reported that I was XXXX late in XXXX and XXXX. I then was approved for a pandemic hardship program that allowed me to make one payment which I made in XXXX and XX/XX/XXXX payment and was approved for two past months XXXX and XXXX or XXXX and XXXX to be deferred to the end of the loan and my payments would be up to date nothing reflecting late. They stated that even though the program was approved and everything was up to date it still showed late payment and had to be reported automatically through the system. The way they report is a month delay or behind and it does not reflect the current account status that was reported to the agency. XX/XX/2021 was not a late payment on my account I was approved for an extension for that month and made a payment as well as made a payment in XX/XX/2021 and received approval for pandemic hardship XX/XX/2021 that took two past payments XXXX and XXXX that moved them to the end of the loan and my account was placed in a current status. But the report was reported for XX/XX/2021 as late. I am requesting for the XX/XX/2021 late payment to be removed from all credit reporting agencies because the information is not correct it was reported wrong.
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have become a victim of identity theft, resulting in several fraudulent accounts being added to my credit report. These unauthorized accounts were opened without my knowledge or consent, and I am requesting immediate action to resolve this issue. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an official identity theft report with the Federal Trade Commission XXXX FTC ) and formally request the removal of these fraudulent accounts to restore the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

To whom this may concern After reviewing my consumer reports, I discover some inaccurate reporting of late payments on an account for which Ive always maintained on time payments. Consumer reporting agencies play a huge role in accurately reporting consumer information. it is imperative that this information be reported with upmost accuracy. Ive never missed a payment on my XXXX XXXX XXXX. I requested through investigation into these descriptions and urge you to provide evidence such a statements demonstrating the lateness of these payments. if unable to furnish such proof, I demand these payment be properly updated as on time payment to reflect its true status is on time. I have consistently upheld my payment, obligations without delay. 

From late payments being inaccurate not the same with all three creditors to wrong information reporting.
Product: Credit reporting

My husband had me listed as an authorized user on his XXXX XXXX card for a couple of months and I asked to be removed from it, as I did not apply or ask for it. XXXX XXXX and Experian have both refused to remove the history of the account from my Experian Credit Report, thus causing irreparable damage to my ability to apply for a specific credit card, due to too many new accounts being reported. In addition, the card is erroneously listed as being opened on XXXX XXXX. XXXX, but was actually opened back in XXXX XXXX.
Product: Credit card or prepaid card

On XXXX XX/XX/21 my bill for {$130.00} did not go through when I was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never called or notified me the rejection and gave me this late payment. 

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

Not long ago, I obtained my credit report and discovered that my identity has been compromised. This regrettable occurrence has had an adverse impact on me, given that I am presently in the middle of purchasing a new residence for my family. I feel deeply distressed by this experience and am seeking your immediate aid to eliminate the fraudulent accounts from my credit report. All the necessary documentation has been provided for you perusal. Thank you. Please see attached
Product: Mortgage

There is an individual using my social security number my name but he uses a different email. XXXX is the address that I use he's got a mortgage loan loan in my name he's got a car loan and my name. I believe with individual state in Kentucky because he just opened up a utility account and my name I don't know if it's water gas or electric but it's a utility in my name and mantuck Kentucky.
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 U.S.C. 1681. 
Office of the attorney general XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 c. ( 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: Checking or savings account

Wednesday XXXX XXXX XXXX I didn't receive my direct deposit in my capital one account I saw technical issues and left it to be resolved the next day then I received no updates even after calling for information regarding whats happening, even the staff had no idea or knowledge of the issue their response was very vague and said it will be resolved by the end of the day ( Thursday XXXX ) now it is Friday and only XXXX was all I received and have yet to hear anything back from capitol one
Product: Money transfer, virtual currency, or money service

Hi I sent money to my relative in XXXX only $ XXXX on XXXX XXXX, XXXX. As per promise of Western Union they did not get money until now. I contact with them last night and call them many time since today morning but still they did not solve the problem. Therefore I request you to please help me for resolving this problem.