23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

SEQUIUM ASSET SOLUTION has reported a collection debt in the amount of {$300.00} to my XXXX, XXXX, & XXXX. This debt is unauthorized and unverified. I did not consent to this information to be reported on my credit report preventing me from applying for credit and severely effecting my credit fico score. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Debt collection

It was around XXXX or so, I had a car repossessed because of the recession that occurred at the time. A year later XXXX XXXX XXXX called me and we agreed to pay the {$6000.00} residual. I asked them to send me a contract indication our agreement. They never did. Since then we lost contact until I received a notice in XXXX after I purchased a home. Now the company is called Reese Law Group. During the purchase of my home, the escrow company didn't find anything in my name. I was cleared to complete the purchase. Two years later is when I received the ( Notice of Lien ). I've tried to reach out to see what the matter was, and they just kept me hold for a long time. Now their saying that I owe them almost {$18000.00} in fees and interest. In XXXX I filed for bankruptcy protection. My lawyer failed to fight to remove this lien that was attached to my home. My lawyer indicated that he couldn't remove it because there was too much equity on my home. I'm completely XXXX and have no way to pay this lien off. The only way to pay them off is to refinance my home which I really don't want to. Reese Law Group wants me to take out more money that I want to. maybe because they know the value of my home. I know that their are companies who go out and buys these types of debts and sit on them for it to increase. This company WILL NOT send a complete breakdown of what is owed. so, how are we to communicate to resolve this issue. I'm afraid that one day they will come to take our home away.
Product: Credit reporting or other personal consumer reports

XXXX discharged my car, repossessed my car, I got it back and still made all payments. Once they discharged my car, I did not owe them any money.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for the defamation of character ). XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$13000.00}, XXXX XXXX XXXX balance {$350.00}, XXXX XXXX balance {$4400.00}, XXXX XXXX XXXX balance {$2100.00}, XXXX XXXX XXXX balance {$430.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a personal credit card XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, an Auto loan account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX account number XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX  XXXX account XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX UNDER ACCOUT XXXX. Also, a XXXX  XXXX Bankruptcy filed XX/XX/XXXX case # XXXX. 
Please block this information from my credit report within XXXXour business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please respond to email XXXX XXXX
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. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit report by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Prepaid card

I bought a card that is compromised, XXXX, XXXX. The magstripe does not work and the back of the card shows signs of tampering. I asked the company Blackhawk Network for a refund. The refund has not come yet. 

Blackhawk Network staff claim that they did " research '' and concluded that the card was not tampered with. But I have the card I had to submit a second case XXXX for a refund. 

I want my refund because I did not get a working product as described and advertised.
Product: Credit card

My Destiny credit card expired XX/XX/. I called in XXXX to ensure that I would receive a new card soon. Customer service assured me that I would receive a new card. In XXXX I still have no card. I contacted customer service and was told that an error took place on their behalf and I should get a card in 3 to 5 business days. XX/XX/XXXX I still have no card. When I contacted the company again I was told there is a " shortage of cards '' I have been paying my bill but have no access to my card.
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 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 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: Debt collection

It says I have a medical bill on my credit report from Medical Data Systems I from XXXX XXXX for {$550.00}, which I do not understand nor see as valid because the XXXX XXXX billing dashboard has never said that I had a bill whenever Ive checked and even if I did I have health insurance that covers any time I go to a hospital. I need a verification letter from them confirming that the debt is mine or else I would like it removed from my report. XXXX XXXX  hasnt emailed me about this bill nor have I picked up anything in the mail regarding this alleged bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to close cellular account and did not credit my returned devices stating I owed {$2200.00} and sent to source receivables for collection. disputed with credit reporting agencies Experian, XXXX, XXXX and they failed to investigate dispute.
Product: Credit card

This bank has extended several lines of credit to me as a primary or authorized user that was subsequently lowered or revoked in a short amount of time. While this is an allowable practice, I believe this bank abuses the privilege. This practice of Synchrony Bank is akin to predatory lending : it falsely creates a sense of predictable security of economic leverage and, despite good faith practices on the part of the consumer with limited means, closes the account with notice after the fact, damaging the credit rating for no other reason but risk management. This has sent us into a scramble with our household budget. I daresay if this practice were directed to my mother by XXXX XXXX in the XXXX I would not have the education today to write this complaint. Consider the following facts : Note that no late payments were made to any of these credit cards. Belk XXXX XXXX extended XX/XX/XXXX at {$800.00}. Limit reduced to {$370.00} on XX/XX/XXXX. XXXX XXXX XXXX extended XX/XX/XXXX, at {$500.00}. Limit reduced to {$250.00} on XX/XX/XXXX, and account closed on XX/XX/XXXX. XXXX XXXX XXXX extended XX/XX/XXXX, at {$200.00}. Account closed on XX/XX/XXXX. I am curious how many other families have been injured by this practice. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX XXXX XXXX, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, MIDLANDMCM, and XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting

An account previously removed on my credit report is now again on my credit report under a different agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items and authorized inquiries for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$97.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, has violated my rights. Account Name : XXXX XXXX XXXX XXXX XXXX # XXXXXXXX, 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

In XX/XX/2019, XXXX XXXX responded to a complaint with the CFPB # XXXX, indicating that after investigation REMOVING Bankruptcy record # XXXX from my XXXX file.
Product: Credit reporting or other personal consumer reports

On my Kickoff payment receipts I only have two late payments and XXXX, XXXX, and XXXX are all reporting thirty or more late payments which has been tremendously affecting my credit score for the past two years.I demand removal IMMEDIATELY!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a credit alert from Experian this morning showing my credit score dropped from good to fair because I sold a previous home and purchased a new home and moved. Experian dropped my score 17 pts. for this. The other two credit reporting agencies, XXXX  and XXXX  report my scores as XXXX and XXXX. Both as excellent. Experian also shows an old collection amount on my credit report that was paid in full in XX/XX/2019 with the original creditor, XXXX XXXX. The collection was disputed with Experian, but never removed. It is my belief that Experian does not follow the legal consumer protection credit laws and should be investigated and possibly removed as a credit reporting company. Their data and information is obviously inaccurate and no one at Experian consumer assistant will explain anything via phone or text message. I was told to hire a credit advisor so Experian way of credit reporting could be explained to me. That is not a viable solution to a credit reporting company that publishes inaccurate credit data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this acount due to the account charged off in XX/XX/XXXX and showing 0 payment history until XX/XX/XXXX and XX/XX/XXXX, per Experian showing the account as charged therefore should not have any payment history whatsoever and why are they reporting charge off now again Per the FCRA I have the right to a accurate credit report and this is not fair or accurate
Product: Debt collection

This is incorrect information and needs to be removed from my credit report as it is preventing me from buying a house.
Product: Credit card

Payment was made to Capital One in the amount of {$100.00} Confirmation # XXXX on XX/XX/year> and {$490.00} payment Confirmation # XXXX was made XX/XX/year>. Capital One still shows a balance reflecting {$490.00} refusing to credit the amounts paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a car finance throw my Credit Union, I was given an phone number to call, for Equifax which I continue to have issues with. They REFUSE TO CORRECT MY CREDIT FILE. I use my original birth name, and I have to get the sex corrected on my original birth certificate.

I called the phone number to Equifax, and ask them to remove my Security/Credit Freeze, so that I could try and get a car financed.

However, Equifax continues to update my Credit File, and once my Credit Union ran my credit report, I wanted my Security Freeze and or Credit Freeze back on my Credit File.

I need the correct pin number to access my credit file, and I need an new number for my Credit Freeze and my file was updated.

I was told the Credit Union faxed over information about me : Social Security Card Drivers License Utility Bill Equifax on the phone while still at the Credit Union to me that he was faxing over my information, and that it would only take a few minutes, However, when I called Equifax back, the Customer Service Claims that No One talked to me, and now my information, after the Credit Union Faxed over my Documents. 

I have not been able to reach anyone at Equifax, this happen on XX/XX/2018. 
The Credit Union Branch Manager XXXX XXXX, was very patient with trying to help me. 

I tried calling the Federal Bureau of Investigation, but the Bureau hung up the phone. 
Someone is accessing my information, and trying to steal my " Inheritance ''
Product: Credit reporting, credit repair services, or other personal consumer reports

When I opened an account with XXXX XXXX of XXXX, I was advised the account would remain open with them as long as a payment was made or a purchase was made at least once every two years. 
Recently, however, XXXX decided to outsource the managing of their accounts to a third party bank, XXXX XXXX. XXXX XXXX has numerous complaints about them online, and I 'm not sure why XXXX partnered with them to begin with. 
To make matters worse, when they transferred my account to XXXX, XXXX reported to all of the credit bureaus that the account had been closed with them. This caused my line of credit with XXXX to disappear, and my credit card utilization skyrocketed as a result. All of this happened without my being notified, and it happened as I was applying to cosign a loan. Fortunately, the loan was still approved, albeit at a higher interest rate. 
I attempted to contact XXXX customer service numerous times, but their system transferred me to XXXX XXXX XXXX  customer service each time. 
This was a terrible customer service experience, and I do not feel I can trust XXXX moving forward. I would encourage everyone to avoid XXXX at this point unless they plan on being more transparent and better customer-service oriented in the future.
Product: Mortgage

I qualify for Recently Approved and Funded California Mortgage Relief Program to pay the arrears mortgage payments and fees on my mortgage and to bring my mortgage account current. I was told by California Mortgage Relief Program that although I qualify for this relief, Axos Bank the servicer of my loan is not participating in this program. 

In the meantime, Axos Bank has continued charging me with excessive fees and chatges for the delinquent payments. 

I would like to utilize the available California Mortgage Relief Program to pay the delinquent payments and bring my mortgage to current.
Product: Checking or savings account

XX/XX/XXXX opened up savings account at suntrust now truest, XXXX to be exact. Was surprised it cleared by the next morning. So at that time I decided to open a checking account online myself sat XX/XX/XXXX. So write away it approved me and I transferred XXXX $ from savings to fund it. So I get to the bank Tuesday morning early at XXXX to order a debit card, thats when things got weird after giving them my id to verify me they couldnt find anything. Then she abruptly stood up said I have to speak to the manager ok I said 5 min she came back and started asking if I had another license implied that I opened the account with different info I answered no off course not. So after two hours answering some questions and resubmitted my info I sign the signature card for my checking account and finished. Same day for no reason explained and no warning they froze my accounts all I could get was a negative report from another financial company. So after numerous conversations and lengthy talks Ive gotten contradicting info from one person to the other and not nothing was outlined in there rules and. Regulations except they can close account at anytime without notice. What Im asking is why they dont have the procedure for closing an account and why is there a department called research and fraud doing a review when fraudulent activity was not even reason for the hold, its due to negative remarks from another bank. Which if thats the case then how did I get approved from the start. Shady banking they allowed me to bank for four days then basically criminalize my actions and play like Im under investigation and dont give me reason or timeframe on when I get my money. Please I need help Im not the only one hundreds of people have exactly same problem with suntrust or truest bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
XXXX5 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Mortgage

TD BANK COMPLAINT XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX My father in law is doing a refinance with TD BANK. He was dealing with a XXXX XXXX, and his Loan Officer Assistant XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX, FL XXXX. 
UNETHICALLY and in violation of RESPA Documents were sent to my father in law, by email from a XXXX XXXX, a XXXX and other items which are filled out incorrectly. 
My father in law paid for an appraisal already which is wrong because he never signed documents in reference to this refinance. 
The XXXX shows the loan as a primary residence which is wrong because it 's an investment property, and its showing my father in law, cash to close of {$2800.00}. The loan amount is wrong and is deceiving to show a LOWER loan amount of {$180000.00} even. 
Page XXXX of the XXXX, the DECLARATIONS section XXXX is filled out incorrectly. 
The loan amount is wrong and shows a much lower amount which is deceiving. 
Documents were sent by email BY XXXX XXXX and loan officer assistant to XXXX XXXX. The email enclosed by PDF documents to sign, which included a XXXX. 
This is wrong and is out of compliance per RESPA. 
My father in law paid for an appraisal before ever E-SIGNING or receiving document 's for the refinance. 
I have attempted to call XXXX and speak with a manager but no one is calling me or my father in law back. XXXX XXXX has not been able to be reached by phone. I have spoken with a XXXX XXXX who has been rude with me as well, and has prevented me from speaking with a manager also. 
It seems to me everyone within this location is protecting each other and no one wants to take responsibility for this UNETHICAL behavior.