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

I am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by XXXX, XXXX and EQUIFAX. I have reached out to customer service at XXXX, XXXX and EQUIFAX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had several fresh start accounts with XXXX. One of the accounts had a credit limit of {$200.00}. I opened this account in XXXX of XXXX and I paid this account in full XXXX of XXXX. Instead of the Credit Reporting Agencies stating on my consumer report the account is paid in full an in good standing, it's states it's included in a bankruptcy and has been charged off. I've requested that this account be investigated and corrected in the past, but it remained the same. My last name was XXXX when I opened the account.
Product: Debt collection

Paid debt in full already previously. Company is continues to indicate to credit bureaus that the debt is unpaid and still claiming continued late payments.
Product: Student loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

Chase did not resolve the matter of neglecting to pay my homeowners insurance and allowing my policy to lapse. They admitted that they assume the policy was paid prior to acquiring my mortgage account from XXXX. They did not provide any information pertaining to repairing my home via lender-placed insurance, nor did they correct their mistake as Ive had to purchase a new homeowners insurance policy at a higher rate than the previous policy that they did not renew and allowed to lapse.
Product: Credit reporting or other personal consumer reports

Every time I tried to take something off my credit report disputed they was to days later talking about its ready and nothing was never removed from my credit its stuff on there that I dont now what it is my credit score never change every time I delete something two or three days it will say its ready then when I look nothing has been removed of my credit report I wont the stuff removed of my credit report and my score fix
Product: Checking or savings account

Received a text that had a charge on my account that my XXXX was charged I didnt charge any of it they conned me in to screen share
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, Originally financing a vehicle threw AL-Financial a few years ago. I ran into financial hardship more than half way threw the loan. 
I ultimately had my vehicle repossessed. 
They sold the vehicle and I had a balance of XXXX left from loan. 
I now see on my credit report they have been doing hard inquiries on my credit every month for years now and will not stop. 
They are stopping my family from purchasing our first home and its frightening please help us. 
-XXXX XXXX Reporting AL-Financial
Product: Vehicle loan or lease

I purchased a car from Credit Acceptance in XX/XX/XXXX. Now by XXXX I was behind so they repossessed it and yes I had " good faith '' payments to keep my car out of auction. I made the last payment to get my car on XX/XX/XXXX. I was refused my cars release until XX/XX/XXXX. 
A year later I find out they had taken the car out of my name on XX/XX/XXXX after I had done paid all my payments I had to for them to release it. I was never informed that they had taken a car out of my name they never sent me paperwork I asked Credit Acceptance for anything else and even up til today. They take blame but refuse to own the {$1000.00} worth of penalties. Plus the {$1000.00} I'm just out because Credit acceptance decided to not post them.
Product: Debt collection

was asked by a representative of South East Toyota Finance if being behind by less than one payment was due to covid, I supplied proof that this was the in fact true. Since then i have continually received upwards of 6-8 phone calls and voicemails in a singe day.
Product: Credit reporting or other personal consumer reports

I found accounts on my credit report that are not mine.
Product: Debt collection

I 've spoken with Central Financial Control on several occasions to reconcile about the inaccurate items that they are reporting against my credit. They are over XXXX of the same items reporting over and over on my credit that are n't valid. The original creditor XXXX XXXX XXXX violated my privacy, and violated HIPAA by providing this company my medical record, reasoning for me visiting the XXXX department, in which these items were all paid via my health insurance, which was provided time of services. I am now seeking legal advise as to filing a lawsuit against the collection agency, being that I spoke with several representatives and they threaten to ruin my credit because they are n't removing anything. Which is a violation of FDCPA to communicate threats. I want all of these items resolved within the next XXXX days otherwise I will pursue further with a lawsuit.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. I have submitted a police report and my FTC identity theft affidavit but some creditors keep coming back on my credit report and it is hurting my score XXXX points every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached I have noticed several inquiries on my consumer report that I did not authorize.
Product: Checking or savings account

I am contacting navy federal regarding multiple overdrafts fees that currently has me in a negative balance. I have had sufficient funds in the account when transactions were processed and authorized. I was charged fees due to navy federal having a lag in posting charges and credits. This issue i am experiencing aligns with recent CFPB findings against navy federal for similar practices where transactions posted with insufficient balance despite having funds in the account available at that time. I believe these practices are unfair and I request an investigation into my account transaction. One transaction out of many would be an XXXX order of {$51.00} from XXXX is one of them.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I recently reviewed my credit and have concerns that it may be fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Mortgage

I was setting up auto pay for the first time, I set this up XX/XX/2023. I notice that the payment had not posted nor was it pending in my account XX/XX/2023 ; I called the mortgage company to verify how the auto pay is set up, I know from past experience that some places want the first payment to be made then auto pay will start the next month, I call to verify was their policy set up that way, the young lady that I spoke with told me that I had to make a payment then the auto pay will start the following month. I seen the payment that I made through the mortgage web page account post right away, then XX/XX/2023 the auto payment took another payment. I have been calling since XX/XX/2023 to have this money refunded back into my account, I explained to the mortgage company that the money that was taking from auto pay was for my bills. I have not received anything in my account, all I get from this place is the run around, I ask to speak to a supervisor every time I call, I NEVER get a supervisor to speak with.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Checking or savings account

XXXX, a Bankcorpsouth bank manager threaten to close my checking and savings accounts after I filed a complaint against one of her employees. The employee denied me services at the drive through. This same employee has bullied and mistreated me in the past. I stopped going to that location because of the mistreatment by this one employee. Instead, I went to other locations that are much farther to drive. I am a  XXXX Military Veteran and can not stand long or walk without severe pain. Since the drive through employee refuse to do two transactions I had to go inside the bank which is very difficult on my body ; getting in and out of the car, walking and standing for long periods and this is what I had to do because the drive through employee refuse me services. She knows I am a XXXX veteran. and I have a displayed XXXX decal.
Product: Credit reporting or other personal consumer reports

I have been a repeated victim of identity theft, innacurate reporting of late payments, reporting that i never authorized, the wrong name, address, my date of birth, place of employment going XX/XX/XXXXand it continues etc. XXXX has violated 15 USC 1681 c-2, 15 USC 1681b , 15 USC 1681 ( e ) ( b ) and 18 USC 1028A . They have no later than four days after receipt to correct these issues.
Product: Mortgage

I applied for a mortgage with XXXX XXXX XXXX, a bank both my mother XXXX XXXX and I have been a customer of for over 20 years. 
XXXX XXXX XXXXXXXX told me that they " can not stop me from applying '' but after my credit was pulled in connection with a mortgage application, I got no information as to how much I qualify for. I was told by the last loan officer who spoke with the manager, and he told me that I do not qualify for anything because I owe a debt that was not disclosed to me. I had requested through CFPB to know about the loan since XXXX and earlier, and I got a response from XXXX XXXX XXXXXXXX that " I am an unauthorized third party " and I do not have permission from the clients who actually took the loan out to know anything at all. ( attached ) I also contacted Nationstar ( mr cooper ) and they told me that the loan is XXXX. But that I am an unauthorized third party and I can not have access to the information. 
Both banks took my mother 's cash through an entity called XXXX XXXX about XXXX dollars CASH and how come the note went from XXXX to XXXX after paying more than XXXX cash? 
We went to the XXXX XXXX  and they told us that they had sent money to both banks, XXXX XXXX XXXX and nationstar and that the money was paid according to a real estate contract filed in XXXX XXXX XXXX clerk in XXXX. 
That the banks attorney wants to sell our house keep my mothers furniture, house and retirement for the debt of others because the banks kept on writing checks for their clients XXXX XXXX and XXXX XXXX since XXXX when the prior owners bought the house for XXXX. Since then both banks have written checks until recently of XXXX to the order of their clients and for an undisclosed amount but now the banks want to cash in all the discharged loans on the monetary equity of the house. we contacted the attorney and he sent us some paperwork redacted that is old of a note XXXX XXXX payments ago. The bank got our cash from my mom and I, and mom was put in the rec because my income in XXXX was not enough to pay the XXXX monthly payment that the real estatte contract was based off. My income now can pay the mortgage but the banks inflated the mortgage to match the equity on the house after we paid about XXXX cash to both XXXX XXXX XXXXXXXX and natiosntar.
Product: Debt collection

I believe the debt alleged by LVNV FUNDING LLC may be in dispute or that I am not legally obligated to pay these amounts. As such, I request that you immediately halt all communication with me, including phone calls, letters, or any other forms of contact, regarding these accounts.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am within my rights to request that you stop contacting me in any form. This letter serves as my official notice to do so.

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Furthermore, if you continue to pursue this debt collection or attempt to contact me about these accounts, I will consider taking further legal action to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general. 

Please be advised that if this matter is related to an incorrect or disputed debt, I also request that you provide me with validation of the debt, as required under the FDCPA. 

Please acknowledge receipt of this letter, and ensure that all collection activities cease immediately. 

Thank you for your prompt attention to this matter.
Product: Debt collection

My credit report is showing a collection account from CREDIT COLLECTION SERVICES. I never received written notification about this debt which means I have not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) 4I CREDIT COLLECTION SERVICES are violating my consumer rights. I am requesting DEBT VALIDATION according to 15 USC 1692 ( g ), as well as the purchase agreement between CREDIT COLLECTION SERVICES and XXXX XXXX XXXX XXXX, a detailed list of the history of payments, proof that CREDIT COLLECTION SERVICES have chain of title to collect on this debt. Without providing any of this information this account should be permanently deleted immediately.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX  # XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX  # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Vehicle loan or lease

I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX and XXXXn were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Bank 's manger compiled the attached table. Red ( Misapplied????? by Navient ) are still missing and totaling $ XXXX-which is unapplied/misapplied by Navient.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. These accounts in question are : XXXX. XXXX XXXX XXXX : Balance : {$1500.00} : Open Date : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX : Balance : {$2400.00} : Open Date : XXXX. XXXX, XXXX XXXX. XXXX XXXX : Balance : {$1900.00} : Open Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$550.00} : Open Date : XXXX XXXX, XXXX XXXX. XXXX XXXX : Balance : {$180.00} : Open Date : Unknown XXXX. XXXX XXXX XXXX : Balance : {$310.00} : Open Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  : Balance : {$290.00} : Open Date : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} : Open Date : XXXX XXXX, XXXX Unathorized Hard Inquiry : XXXX  XXXX : Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX Services : Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : Inquiry : XXXX XXXX, XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.