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

ACCOUNT # XXXX XXXX illegally sold a fake account to XXXX XXXX XXXX in violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA . 

It is prohibited to sell an account that was reported as fraudulent. I reported the fake account that was created by XXXX XXXX  to XXXX when I discovered the criminality. XXXX, went ahead and sold the account to the criminal collection agency in violation of Federal Law. See attached Fraud Alerts on my CRA 's and documentation with the IRS. 

Special Agent XXXX XXXX with the IRS-CID and Special Agent XXXX XXXX, specifically communicated to me that the XXXX XXXX has been stealing ID 's. In fact, there is another person in California and Florida using my credentials. The XXXX  would also use a person 's mailbox itself and snagg the incoming mail before persons would return from work. This is how sophisticated these XXXX XXXX   are.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I submitted a letter ( certified ) to Rocky Mountain Recovery asking for a validation of alleged debt, which they received ( I attached the certified tracking receipt ) They never responded. I submitted a follow up letter in XXXX, again they have not responded. The information they have reported that is unvalidated is damaging my credit report.
Product: Mortgage

As a buyer I was involved in XXXX XXXX Transaction to  complete a purchase of a duplex subject to 3rd party financing. The lender ( Integrity Mortgage Group or Wolf Financial Services ) had delayed the process and could not get the cleared to close as planned for XXXX of XX/XX/2019. We could not get a clear idea of exact closing date and extended the closing date several times, but I lost the protection from my 3rd party  financial addendum. 
on the XXXX of XX/XX/2019 I was terminated from my W-2 employer and as we got ready to close on the XXXX of XXXX the lender rejected to close on the loan due to unemployment verification they did on the XXXX of XXXX. 
I lost XXXX $ of Earnest Money that was locked in this deal and I consider this negligence from the lender side that caused this loss. 

I am not sure what could be done, but any suggestions how to recover my losses are welcome. I will also contact my RE attorney. 

Regards, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I was promised a fee for repossession would be waived since I was on short term XXXX at work and just had a death in the family. 6 weeks later I was advised that I was misadvised and I shouldve known better.
Product: Credit card

I have had an account with Capital One since XXXX of XXXX. For years, I made on time payments, every month. I went through a financial hardship due to a job loss and was unable to make payments besides my rent, car payment, and car insurance. I could n't pay my credit card bills at that time. I got a job with a XXXX company last year, and was just promoted last week to an excellent position with a large pay increase. 

Capital One closed and charged off this account in XXXX after my job loss and my inability to make payments. Since then, they have reported that I have been 90 days late XXXX times on my XXXX report, and XXXX times on my XXXX report. This reporting is simply erroneous as there is no way that I am still late on payments every month after this account has been charged off and closed. 

I called to tell Capital One that I would pay off the remaining charged off balance yesterday, as long as they properly updated that the errors would be corrected. I talked to a few representatives and they told me that there was nothing they would do for me because the reporting was correct. I find it impossible to believe that a closed account can still have payments reporting as late. 

Please investigate this. I am willing to pay Capital One every penny I owe them, as long as they delete my errors from my credit report. There are so many errors, that the best resolution would be for them to accept my payment in full for the {$390.00} balance I owe them and they could just remove my trade line permanently. 

I will be attaching screenshots from my XXXX credit monitoring report so you can see the discrepancies. Please investigate this because there is no consistency to the reporting errors and Capital One is still hurting my credit to this day on an account that has been closed for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this loan as agreed its still reporting open and inaccurate on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern. I XXXX XXXX am a victim of id theft. i have obtained a police report, id theft report and much more. here are the fraud accounts that i need removed from my report asap. 

XXXX XXXX XXXX  XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX {$1300.00} DEPT OF ED/XXXX {$36000.00} DEPT OF ED/XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX XXXX XXXX {$2800.00} XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX {$1600.00}
Product: Vehicle loan or lease

As the debtor and consumer ( natural person ) who was involved in a consumer credit contract in XXXX of XXXX, I am exercising my rights under 16 CFR : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The reason for exercising my rights is due to the fraudulent practices conducted by the seller in regards to my NEGOTIABLE INSTRUMENT. I am exercising my right to rescind/ revoke the seller as POA. Representatives of the seller kept referring to " the CONTRACT '' I signed but according to 16 CFR 433.1, a " contract '' is between the creditor and seller ( or if the credit and seller are bonded by common ownership ) while a " consumer credit contract '' is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale. According to XXXX law 's dictionary, an instrument is evidence of an alleged debt, normally in the form of a cash advance, such as a check. However, during the transaction, I, the consumer, did not receive a check nor did I receive the title to the vehicle on the consumer credit contract. The reason this transaction is now void and fraudulent, is the violations of the Truth in Lending ACT 15 U.S. Code 1605 in particular regarding the " finance charge. '' All violations can be found under 15 U.S. Code 1605 as the finance charge ( also under regulation Z ) states the finance charge is the sum of all charges. There should not be a list of several charges appearing on the consumer credit contract. All amounts should be under the finance charge. Next, there should be amounts paid in the form of a cash transaction under the finance charge but there was a {$200.00} cash payment at the point of the consumer credit contract. Lastly, 15 U.S.C. 1605 states insurance is part of the finance charge unless two requirements are met, one being the creditor /seller should tell the consumer he/ she can choose whatever insurance provider that is approved by the creditor / seller and the other requirement is that the creditor / seller tells the consumer what the cost for insurance would be if the consumer obtained insurance from or through the creditor / seller. The second requirement was not met in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have the rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I didnt mean the council listed below be removed because according to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

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

I am a victim of aggravated identity theft. I ask that you RE-INVESTIGATE this matter and I demand to see proof with my signature on it that have on file for the account ( s ) listed. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed contract. Also, note that if the company has file a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain. Also, note there is a bankruptcy reporting that was said to been verified by XXXX and XXXX I reached out to the bankruptcy court and their response to my letter was The United States Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit file.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX. The following personal information is incorrect Account Number : 2. XXXX  XXXX Account Number : XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX. XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR SEX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO.

CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keep reporting this event after CFPB investigate them and they closed the account as paid!! | Charge was for a new roof by XXXX They never finished the job! 
And forged my and my wife name ( as XXXXGREENSKY knows ) to a completion of work document!
Product: Debt collection

Despite my formal complaint ( CFPB complaint number XXXX ) about the alleged debt, Financial Corporation of America continues their debt collection efforts, ignoring the cease and desist letter I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I deposited my letter by registered mail with the US Postal Service. In my letter I had disputed several items listed on my credit report, issued by your firm. The items are erroneous and illegally being reported on my credit report and do not belong to me. Transunion has taken longer than 30 days to respond to my disputes.
Product: Debt collection

On XX/XX/XXXX I received a solicitation for Freedom Debt Relief, XXXX XXXX who represented himself as a loan officer for the company. After several very long phones calls on how the program worked and after I asked all the right questions, specifically if I would have to pay taxes on the forgiven debt, I decided to proceed with the company. Then I realized that I had been lied to and the program misrepresented to me only after I was too deep into the program to get out. Here are the misrepresentations Mr. XXXX told me. 

1 ) Would I have to pay taxes on the forgiven debt? I asked this question numerous times.

His response - " I have been doing this for 15 years and no one has ever gotten a 1099 for forgiven debt. He even told me that if anyone at the company or in the welcome call says I may have to, to just ignore it as that is just basic info they have to say and that it is not correct. You will not receive 1099s '' 2 ) Will my accounts go into collection? His response " no, we will have your accounts settles in 2 months, if you get a collection notice let me know and I can stop it ''.

3 ) How long does it take to settle the debt? his response " 2-3 months '' All three " recorded ''  responses are misrepresentations of the program and now I have $ 30K plus in unexpected 1099C income. 

When I I got a collection notice on XXXX XXXX I emailed it to Mr. XXXX and he responded " everything is in working order, all that will be removed, there is no need to worry ''. The only response I got was from their customer service department that said they can't do anything about it. 

When I gave the company a poor rating on their survey I got a call from and email from XXXX XXXX in their consumer affairs department on XX/XX/XXXX. I described what happened and she said she would listen to the recorded conversations. She called me back a few days later and said the conversations that I said had happened were confirmed and that she had called and talked to Mr. XXXX XXXX Manager about the misrepresentation. But that was it. When I got the unexpected 1099C last month I emailed Mr. XXXX and copied Ms. XXXX only to find out that Mr. XXXX no longer works there and Ms. XXXX never responded to my email. I have asked for the name of the president of the company several times with no response. 

Unfortunately it is what it is, I have to pay taxes on that forgiven debt but at the very least they should refund me the over {$11000.00} in fees I paid, which I requested in my email that failed to receive a response. I am an intelligent woman and I know I asked all the right questions, but when a company representative out right lies to you what are you suppose to do with that information? 

I respectfully ask that you research and investigate this company and it's practices. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX 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: Credit card or prepaid card

I opened a XXXX XXXX credit card, issued by Chase bank, in XXXX 2022. I opened it because of the promotional offer ( which is still on their website ) of XXXX miles when you spend {$3000.00} in XXXX months. I ended up spending around {$3500.00} in LESS than 3 months. I tried twice, maybe XXXX times to contact Chase but they wouldn't award me the miles. They tried to say I didn't meet the criteria? They could see on my statements that I spent well over the required amount. I can provide the statements to CFPB if needed.
Product: Checking or savings account

Greetings, around XXXX my Chime account was closed suddenly and without warning. They stated I would receive a check in the mail from my balance. 2 months have passed and they are now stating no check was issued because I did not have a balance to refund. That is not accurate as it had over {$4000.00} between both checking and savings accounts. They are stating only they can close accounts without any notice at any time and won't elaborate any further. Please help me.
Product: Checking or savings account

Account was closed after I was scammed with a bad check. Was told that my funds would be mailed via check and not to go into a branch. 2 weeks later, I still have not received my funds.
Product: Credit card or prepaid card

I created a XXXX XXXX  account and saw that I had a couple credit cards opened in my name unknowingly. One of the banks that this account was opened for was Discover bank back in XXXX. At that time I was a minor ( under the age of XXXX ) I would need a parent guardian if I wanted to open a bank account let alone a credit card. Discover bank closed the account in XXXX due to failed payment and it said I owe them {$1100.00}. Ive been trying to dispute these allegations for the longest by phone or the credit karma app nothing has worked I even gave them my correct LEGAL information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent activities on my credit report that I did not consent nor authorize! I am highly upset to know that I I've been scammed!
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 TransUnion 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 an auto loan from XXXX XXXX XXXX XXXX opened on or around XX/XX/XXXX account number XXXX with a charge off balance of {$58000.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is 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 the aforementioned consumer credit account, collections resulting from it, and hard inquiries are the result of identity theft and fraud. I have also included a copy of the front and back of my drivers license, birth certificate and social security card as proof of identification. 
I have disputed these items before and yet Transunion is still reporting these items after XXXX and XXXX has removed them. After checking my credit reports I see several disputes over the last couple of years that I did not initiate and is a result of fraudulent activity. My identity was exposed in several data breaches including XXXX data breach and I am now just finding out, I have not been able to properly conduct an investigation until XX/XX/XXXX due to incarceration and that is when I filed the first FTC notice and CFPB report. As of now Transunion is still not following consumer reporting laws and is reporting fraudulent activity on the accounts included in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a
payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

I have been with American Express for over 4 years and this is my 2 time applying for another card and a credit limit increase and I have been denied. This is an unauthorized use of my credit card ( 15 USC 1602 ) American Express used my credit card and I didn't benefit from it on them. American Express can not deny me my own credit because that is a violation of 15 USC 1691a ( 3 ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction - ( 3 ) because the applicant has in good faith exercised any right under this chapter.

15 USC 1691b ( 1 ) says It shall not constitute discrimination for purposes of this subchapter for a creditor - ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness.

American Express denied my applications due to credit worthiness which is a violation under the Equal Credit Opportunity Act and according to 15 USC 1691g they are civilly liable for the violations the committed.