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

XXXX XXXX XXXX Inquired on XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, has violated my rights. 

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 an account without my written instructions. 

XXXX Inquired XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX In accordance with the Fair Credit Reporting act XXXX  Account, has violated my rights.

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 an account without my written instructions. 


XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX  Account, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO scores for the last 3 months have substantially declined, for instance : XXXX : XX/XX/XXXX FICO XXXX ; XX/XX/XXXX FICO XXXX ( -90 pts ) Transunion : XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ( XXXX42 pts ) 1. XXXX  reported that I had " Serious Delinquencies '' : I have no delinquencies. 
2. XXXX  said that I had " Too many missed payments '' .In the past 5 years, 1 payment was incorrectly reported as 30 days late. ( But the payment had actually been paid and was not filed due to the creditor 's computer error. ) 3. My Annual Credit Report showed my accounts since XXXX with green check-marks monthly ( paid in full ). What serious delinquencies? 
4. FYI : 5 of my credit accounts substantially increased my credit limits based on my history of regular payments. ( I did not request any credit limit increases ) 5. I respectfully request that the credit reporting companies re-examine my credit reports. Tell me specifically what are the negative accounts and I will get the information corrected. 
Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX did not disclose how they got my loan request info. The loan process through email is backwards on disclosures. Predatory loan payment terms on {$1000.00} loan for 10 months breaks down to {$280.00} twice a month for a total of 20 payments ( i.e. 10 months and {$5700.00} ). I already paid {$1700.00} towards the {$1000.00} loan and then stopped payment. I found out it is a tribal loan. I live in California. 

XXXX XXXX is XXXX XXXX. Further research of XXXX XXXX XXXX XXXX XXXX showed XXXX XXXX financial service license is only for the jurisdiction of the XXXX XXXX, Alaska. XXXX XXXX doesnt have banking/financial license to do business within the jurisdiction of California. Tribal loan is not legal in California.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

XXXX XXXX XXXX XXXX
Product: Consumer Loan

i had a auto loan through XXXX that went into default they sold the debt to atlas financial atlas filed for a judgement and got it approved when filing a auto loan judgement the law is they have to file in the county you reside in they did not do this im in XXXX county XXXX the judgement is in XXXX county XXXX where ive never lived when they got the judgement they filed to the credit beurros both reliable and atlas filing against my credit for the same loan legaly they cant both file for the same loan after reliable sold the loan to atlas not filing in my county they should have never got a judgement i have sent several letters to the parties involved in this atlas financial and reliable credit and the XXXX beuros with no positive result i would like this off my credit report more than XXXX tactic they have used is not legal and they should not be able to report negatively please help me with this issue thank you XXXX XXXX
Product: Debt collection

On XX/XX/18, I received a notice that a collection was put onto my XXXX   Credit report by XXXX XXXX XXXX for 2 accounts ( {$5400.00} and {$2300.00} ). The amount and accounts appear to be from a student loan that is currently being paid on time and is in good standing with Unsia, Inc. I did not receive notification that my account was in collections or was owed to anyone other than Unsia, Inc. I called Unsia, Inc and they verified that the account was in good standing and did not know why XXXX XXXX XXXX was reporting it to the credit bureau. I have *NEVER* received any communication whatsoever from XXXX XXXX XXXX XXXX and now my credit score has gone down because of them. I submitted a dispute with XXXX and am waiting on the results. Attached is my latest statement, showing that it is paid on time and my monthly {$75.00} payment amount.
Product: Checking or savings account

Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX my ATM debit card was not working so I went into the branch Wednesday XX/XX/XXXX to try to get another one. They decided that I should not come into any of their branches anymore and closed all access to my accounts in the computer and told me that they would send me my account balances via mail. They did not say when they would be sending it. Before they closed all access to my accounts on the computer I was able to get the last 4 numbers of the accounts and the balances. My account ending in XXXX has {$830.00}, my account ending in XXXX has {$100.00} and my account ending in XXXX has XXXX. I think it should be illegal for them to cut me off from my money and at the same time tell me not to come into their branches anymore. I was right there in the bank yesterday they should have cut me a check right then since they don't want me contacting them. I am afraid that I will not get my money from them because I do not have the full account numbers. The full account number does not show up on the computer I would have to search for it. But now I don't have any access to my accounts on the computer. 
I don't have any faith in them that they will send me my money in a timely manner because back on XX/XX/XXXX I sent them {$200.00} attempting to pay a credit card bill but I accidentally sent the {$200.00} to an account that I had with them that has been closed for about 9 or 10 years ago. So last week on XX/XX/XXXX, XXXX I went into the branch attempting to get my {$200.00} back and they said they don't know where it is and can not look for it because I don't have the full account number. I showed them my bank statement that showed I sent it to an account number ending in XXXX and my bill pay bank gave me a trace number so that they could trace what they did with the {$200.00} they sent them. The trace number for that {$200.00} payment is XXXX. They claim that the trace number does not help. They claim that the only thing that will help is for me to give them the complete account number. There is no way I can give that to them from 9 years ago. Don't think I ever really had it because everything is always the last 4. I really want my {$200.00} that is floating around there somewhere.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX my phone number is XXXX XXXX, in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( synchrony bank ) canceled my credit of XXXX and later was dropped to XXXX dollars. After this my account was canceled which affected my credit score. 
Now in XX/XX/year> JC Penny ( synchrony bank ) lowered my credit from XXXX to XXXX $ and this caused XXXX points to be taken from my credit score. I want to know why these companies are doing this. I have tried to speak with them and they give me no answer. I want you to check my payments history and I have not missed payments, for some time I have been trying to up my score but it keeps on being lowered by these companies for no reason. I manage my credit with XXXX XXXX and according to them closing my account is bad for my credit but I no longer want to continue using synchrony bank.
Product: Vehicle loan or lease

I held a private vehicle loan with Truist Financial Bank holding Company, headquartered in North Carolina. The loan value was for {$36000.00} for a XXXX XXXX XXXX. On or about XX/XX/XXXX, I refinanced my home and paid off the Truist Loan in full. After waiting approximately XXXX month, I realized I never received my title / lien release. I contacted Truist on or about XX/XX/XXXX to inquire about the missing title. I was advised that the title was mailed on XX/XX/XXXX. However, it was never received. I requested a new copy of the title on that same day to which I was assured that a new title would be forthcoming. On XX/XX/XXXX, I still have not received the title as demanded and contacted Truist. They showed no record of my calling on or about XX/XX/XXXX and had no record of a new title being mailed. I have now requested a new title to which Truist representative advised they could only provide a release and I will have to visit a local Department XXXX XXXX XXXX to have a new title issued. This is absolutely absurd and a predatory consumer issue.
Product: Mortgage

Mr. Cooper would not release the second lien to HUD, and we have still yet to get the release for this... This has been an ongoing battel with them for months now and we have heard nothing ... HUD has not received the loan to be released.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year>XXXX XXXX  : Delete this account immediately Accounts : XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern, According to 15. U.S.C 1692c, you have violated my rights by unlawful communications ; please remove these collections off my credit immediately XXXX XXXX
Product: Debt collection

Midwest Recovery has put a collection on my credit reports for a debt that I do not owe. I paid the loan off many years ago. Midwest Recovery called me XXXX time and I requested they send me proof of the debt, I did not hear any thing else. So now they have put a collection on all XXXX of my credit reports for {$2300.00} I did not even borrow close to that amount.
Product: Debt collection

Complaint, XXXX XXXX  and demand for disclosures under TILA to provide the name and direct contact information for the owner of the DEBT [ obligation ] and its authorized employee who has personal knowledge about amounts of demanded payments in XX/XX/XXXX Reinstatement Quote. 

Under 15 USC 1641 ( f ) ( 2 ) A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as the owner of the obligation for purposes of this section on the basis of an assignment of the obligation from the creditor or another assignee to the servicer solely for the administrative convenience of the servicer in servicing the obligation. Upon written request by the obligor, the servicer shall provide the obligor, to the best knowledge of the servicer, with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation. 

On XX/XX/XXXX XXXX Companies owned by XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX sent me an unsigned reinstatement quote. 

According to this reinstatement quote, I have three options Option XXXX to reinstate my alleged " loan '' by XX/XX/XXXX I must pay {$15000.00} which included {$7200.00} between XXXX ; {$6900.00} between XX/XX/XXXX XXXX ( total {$14000.00} ), {$24.00} late fee ; {$180.00} property inspections fees ; {$620.00} valuation fees and other charges, total {$15000.00} Option XXXX. To reinstate by XX/XX/XXXX I have to pay {$14000.00} PLUS anticipated foreclosure fees {$660.00} ; anticipated foreclosure costs {$750.00} and additional costs First, this " document '' lacks any signatures of the CREDITOR 's authorized employees and not legit under the law which requires it to be signed by an authorized employee of the CREDITOR under UCC 3-401-403. I demand to provide me the name and direct contact information to the authorized employee of the CREDITOR whom I can personally contact to verify all fees and charges in this reinstatement quote. 

Second, please disclose how much money were already received from me between XX/XX/XXXX though XX/XX/XXXX ; who received my payments and on whose account receivable my payments were deposited. Please provide me direct contact information for the authorized employee who has personal knowledge about receipt of my payments and who can verify it to me. 

Third, please disclose when and by whom this anticipated foreclosure is authorized and will be conducted if I have to pay {$1400.00} for this foreclosure fees and costs by XX/XX/XXXX Please itemize anticipated foreclosure fees and costs. 
Provide date when this anticipated foreclosure will be conducted and by whom
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 Accounts : XXXXXXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$21000.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$15000.00}, XXXX Account # XXXX datre opened XX/XX/XXXX bal. {$970.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$970.00} XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$550.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$920.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$360.00}, XXXX XXXX int Account # : XXXX date opened XX/XX/XXXX bal. {$9500.00}, XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$1400.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$11000.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$510.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$510.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$710.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$1400.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned 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 aforementioned 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XX/XX/2020 XXXX XXXX shows on my credit report as an inquiry when I did not authorize this. I need this deleted/removed from my credit report. 

Equifax XX/XX/2020 XXXX XXXX shows on my credit report as an inquiry. I did not authorize this. I need this deleted/removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them
Product: Student loan

I received an XXXX XXXX from XXXX XXXX University in XXXX NY in 2012. I was XXXX off from my job and wanted to go back to school. What I could not get Federal loans for XXXX XXXX said they would get me XXXX loans for. I am now in debt for around {$50000.00} and am having trouble making all the payments.
Product: Credit card or prepaid card

XX/XX/XXXX : Transaction date for {$750.00} for nothing ( I never ordered or received anything ). 

XXXX - XX/XX/XXXX : Contacted both the store and the bank. 

XX/XX/XXXX : Filed for a dispute to the bank. 

XX/XX/XXXX : Contacted the bank again, received a replacement card. 
Filed for another dispute for the second time ( no follow up on the first one ). 

XX/XX/XXXX : Final decision by the business : no fraud
Product: Credit card or prepaid card

CareCredit/Synchrony Bank charged consumer a late fee, when her account was never late. CareCredit finally agreed to reverse the {$38.00} late fee, however they reduced consumer 's credit limit by {$300.00} for the sole purpose of finagling a derogatory credit score. Consumer had a {$1500.00} LOC and had paid the balance down by {$300.00}. Then CareCredit reduced the LOC to {$1200.00} showing only {$53.00} available credit, which increased consumer 's credit card debt ratio on consumer 's credit file. Consumer has not being late, but CareCredit blacklisted consumer 's credit by reducing LOC as a poor credit risk, although consumer was gradually decreasing the balance. 

CareCredit claimed that consumer 's XX/XX/XXXX payment was late, and the payment was due on XX/XX/XXXX. However, based on consumer 's statements, she paid {$50.00} on XX/XX/XXXX for deadline of XX/XX/XXXX payment. Consumer made an additional payment of {$30.00} on XX/XX/XXXX totaling {$80.00} for the XX/XX/XXXX billing cycle. Consumer then made a payment of {$72.00} on XX/XX/XXXX for the billing cycle ending XX/XX/XXXX. After XXXX 's billing cycle closed on the XXXX, consumer made made a XXXX payment of {$100.00} on XX/XX/XXXX for XX/XX/XXXX payment, billing cycle ending XX/XX/XXXX. 

CareCredit became confused with their own billing cycle, determining that a payment had been missed, since consumer made payment early after the close of XXXX 's cycle, and before the end of the XXXX billing cycle payment on the XXXX of the month. CareCredit failed to discern that a payment can be made early the month before. CareCredit is trying to extort consumer to pay two payments in one cycle by adding a late fee and decreasing credit. 

This reduction of credit LOC ( line of credit ) tells consumer 's CBRs that she is overextended by reducing her credit limit. Consumer has made a payment in every billing cycle without missing a payment. Consumer is requesting that original LOC be reinstated and CareCredit be held accountable for charging a late fee and lowering the LOC intentionally, misrepresenting consumer 's credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights.

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

I was called by the collection agency Capital Accounts, about a month ago regarding a " claimed '' outstanding balance of XXXX $ from services provided by XXXX XXXX XXXX XXXX dating XX/XX/2020. I asked them to provide me with an itemized invoiced, which they have failed to do up until today. At the same time, I called the billing office of XXXX XXXX ( XXXX ), where they confirmed that they do not work with this agency and that there is no outstanding bill under my name or any of my family members. Today ( XX/XX/2020 ) I received a written notice from Capital Accounts for the same reason, and I immediately called XXXX XXXX  billing department where they again confirmed of having no knowledge of this collection agency and that I have and never had any outstanding invoices. I then proceeded to call Capital accounts, I confronted them with the information from XXXX XXXX that they had no knowledge of them, that I was going to report them for fraud unless they could email me immediately the delinquent obligation, which they have not been able to do so, and thus I am reporting them..