23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my credit score, and 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 : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY! 

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other : By the written instructions of the consumer to whom it relates.

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

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report if you do not provide documented and verifiable proof. 

The consumer report that was prepared under my social security number by TransUnion is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act. 
Ive listed the following inaccurate information below from my EXPERIAN and TRANSUNION Consumer Report that must be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # # 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 602A. 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

The aforementioned credit collection agency representing XXXX XXXX XXXX  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If PLAZA SERVICES does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit card or prepaid card

Back in XX/XX/2022, I traveled to XXXX to visit family. I used my Chase card to purchase my mom trip back with me to Florida. Well we decided to travel back to Florida earlier then our tickets we booked. So I called XXXX and they referred my backing to the online travel company XXXX for any ticket changes. They advised me that my ticket fare code allows me to change my ticket with a change fee plus any difference in cost. So I went to XXXX and sent request for pricing and ticket change. We'll XXXX decided to book me a other full fare ticket disregarding the ticket thay I already purchased. I sent them countless emails because you can't call them and they didn't respond. I filed a complaint with XXXX and they have not responded. So within my 60 day window I filed a complaint with Chase Bank. The said they investigated and that the merchant has proof you purchased the ticket. I tried to tell Chase. The purchase was not authorized. I originally paid over {$9.00} ] ] for the first ticket why would I pay an additional $ XXXX when XXXX told me it should have {$150.00} euro fee plus an additional $ XXXX euro in cost. Chase did not care and place rhe charge back on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX  DATE ASSIGNED : XXXX XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Debt collection

On X/XX/17 I received communication from this company Transworld Systems INC of a debt which is currently being paid monthly with no missed payment to XXXX. They are yet another company that XXXX is attempting to use to try and discredit my credibility. I do n't deal with collection agencies I pay my debts to creditors as I have been from day one with XXXX I would like to charge XXXX and even this company if they continue to harass me for payment of an account I 'm paying. They are in violation of FCRA and I 'm tired of the harassment. I do n't owe XXXX nothing, I 'm paying them every month. I will not pay anyone else for the debt simply because I have no signed contract with them including this company. Unless this company can provide valid proof of this account not being paid to date. I suggest they allow XXXX to continue to receive payments until it 's paid and cease any further contact harassment with me for XXXX. I 'm including again valid proof of all payments to date in this matter.
Product: Consumer Loan

paid off my vehicle XXXX/XXXX/XXXX to M & T Bank and I still am unable to obtain my car title from the state of XXXX. When I purchased this vehicle, I resided in XXXX XXXX but moved to XXXX in XXXX of XXXX. 

When I paid my loan in full, I did not receive my title. I did provide a change of address when I moved to XXXX. I called M & T and was only provided with a lien release letter but no title. M & T stated I needed to obtain the title myself. 

In XXXX XXXX, I received a notice from the XXXX stating that there is an error with my title work. I contacted them via email and they advised me of the following ( see attached email from XXXX XXXX XXXX : It appears as though you brought the vehicle in from the state of XXXX and applied for registration and title, but had a lien holder on your vehicle. We produced your registration and then sent a letter to your lien holder asking for the title but they never responded. 

If you are still making payments on the vehicle and your lien holder is still in possession of the title, please contact them and ask them to either send the title to us, or provide us with a better mailing address so that we can send them a XXXX request for your title. 

If you 've completed your contract for the vehicle and are now in possession of the out of state title, then please send us your out of state title with either the loan stamped paid on the face of the title or the title along with a letter of lien release that includes:1. ) The company 's letterhead2. ) The vehicle identification number3. ) Names of all owners4. ) Signature of an authorized representative of the company. 

What we will need to process your transaction is:1. ) The original out of state title. 
2. ) A current odometer reading for your vehicle if the model year is XXXX or newer. 
3. ) A statement with your current address. 

In addition, they stated the following ( see attached ) : Now that you 're an XXXX resident you 're going to need to get your XXXX title produced. If you have paid off the vehicle but do not have the out of state title then you 'll have to apply for a duplicate out of state title. The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is showing that the last state to issue title was XXXX. You 'll need to contact the XXXX XXXX about obtaining a duplicate title from their state and then surrender that title to us to produce your Illinois title. When you apply for their title, use the lien release that your lending institution sent but keep a copy because we 'll need one as well because your lien was recorded in both states.
Product: Credit reporting or other personal consumer reports

This closed collection does not show the amount owed, balance or any payment history .XXXX  told me that that information did not have to be correct I have ask them several times to remove it from my report if because it's factually inaccurate
Product: Debt collection

Contacted both companies on XX/XX/2018 and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as a follow-up to my previous complaint. My previous complaint contains disputed items that are erroneous and needed to be deleted as soon as feasible. 

Kindly remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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
Product: Credit card or prepaid card

The CEO of my company purchased a gift card for the birth of my child for me. They did not provide a receipt and the gift card company never activated my card. I attempted to call support and they requested a copy of my driver 's license to activate the card, I provided this and now they are saying the only way to activate is through a copy of the receipt which is unattainable. I feel as though this is a scam where they just compile money from those who do not retain the receipt of transaction.
Product: Mortgage

I would like to express my sincere disappoint in Ocwen handling my complaints thus far.. As of XXXX XXXX, XXXX, All of my other requests have been unanswered which is a violation $ XXXX of TILA ; XXXX C.F.R XXXX ( c ) ( XXXX ) ; XXXX ( f ) ( XXXX ) of XXXX I received a letter on XXXX XXXX, XXXX that the loan was not eligible for cancellation of the Escrow account because it 's currently showing a negative balance. You 'll did not even perform an Escrow analysis. Prior to your response, I 've included all invoices showing that the amount which was paid to the XXXX XXXX was not the amount that was escrowed yearly since servicing the loan. Please also note that upon further investigation, XXXX XXXX XXXX Chapter XXXX Bankruptcy proof of claims reflects that no XXXX taxes were paid to/from Ocwen Loan Servicing or XXXX XXXX from XXXX XXXX XXXX. It was the Debt was expunged through Bankruptcy. All money that I paid, should be refunded. 
In a Affidavit, XXXX XXXX XXXX states in the Bankruptcy proceeding that request immediate abandonment and destruction of certain loan files because they do not hold any interest in mortgage loans. " The loan files have no value to the Trust and not needed to proceeding in the Bankruptcy case. The motion which was Granted and in that order the Judge placed a value of XXXX cent on the dollar for each loan Ocwen Serviced. Ocwen Loan Servicing , LLC Claims was EXPUNGED through the Bankruptcy.
Product: Debt collection

It not me some one is using my information l talk to you on the phone about XXXX weeks ago and I told you it's not me.i been living in my house for XXXX years and I can prove it.i never live in your apartment.
Product: Debt collection

I was a customer of XXXX XXXX, formerly XXXX XXXX. The company engaged in misleading, sordid tactics to obtain customers. In XXXXXXXX XXXX XXXX a salesman lied to my family, reporting that XXXX XXXX is a subsidiary of XXXX construction. That they had been around for over 30 years, which instilled false trust in me concerning the stability of their company. They were sued by XXXX construction, and had to change their name to XXXX XXXX within a year. I was talked into buying a solar system for XXXX XXXX, well above normal pricing. But this included an too-good-to-be-true warranty that I thought was worth the extra money. But, the system performed at less than half of what was promised. The company was inundated with lawsuits for fraudulent activity, and ended up having to file bankruptcy. My warranty can no longer be fulfilled. They in no way fulfilled their part of the contract. And the contract could not be fulfilled through normal means as they also stated we must pay the entire tax credit amount back to them within 1 year or we would lose our low rate. No normal family makes enough money to be able to collect the full tax credit in 1 year. I am working with lawyers to take claims to arbitration. My lawyers filed a letter to inform them of this. 
Beyond this, 8 Attorney Generals ( including Indiana ) notified the lenders XXXX XXXX that they should cease collections. 
Instead of ceasing collections they securitized the accounts and we, the consumers, are being collected upon by the assignee trust 's collection agency despite claims of cancelling as a matter of right. Allowing this behavior eliminates the usefulness of the FTC Holder Rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Payday loan, title loan, or personal loan

This is the second time I've had this problem, the first was On XX/XX/2021 I filed a complaint with the CFPB regarding my account with Grain. Not only were they NOT providing a way for me to make a Payment on my account due to their ACH functionality not been available. Now again I'm experiencing yet again the same issue. I'm unable to submit a payment online. I even contacted Grain via support email and asked them can they send me a bill via Mail so i could just mail it in and they informed me for some reason they weren't able to. So I couldn't pay online/App, they couldn't mail me a bill statement, but yet they report my account 30 Days late on XXXX XXXX and now my Credit Report has been single handedly destroyed and holding me back from acquiring future credit and moving forward in Life. I want ALL OF THIS LATE PAYMENT REMOVED IMMEDIATELY!!!! AND GIVING AN EFFICIENT WAY TO PAY MY BILL!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX bankruptcies showing on my credit report XXXX  XXXX XXXX XXXX XXXX This information was disputed with Experian on XX/XX/2022 Experian says that they verified this information with XXXX on XX/XX/2022 XXXX XXXX does not have any Bankruptcy information on Me showing in my XXXX consumer report. I have attached a copy of my XXXX consumer report dated XX/XX/2022
Product: Credit reporting or other personal consumer reports

I sent equifax credit bureau a letter to verify XXXX financial account number XXXX wasnt not mine U.S Code 1681b states the credit reporting Agency doesnt not have the right to report anything on my credit report without my written instruction. I never gave them written instruction to report anything on my credit report. 15 U.S code 1681c Identify theft prevention ; fraud alerts and Active duty Alert. State without my written instruction this is consider as identity theft. On XXXX this account was deleted from my XXXX  XXXX credit report but came back verified on my equifax credit report how is that possible when the equifax credit bureau properly investigated the information reporting on my credit report in accordance with the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. I need proof on how did they verify this account or delete it immediately or I want a XXXX dollars for every violation as they violated my rights even more.15 U.S.C 1681 section 602 A. State I have the right to privacy
Product: Debt collection

This was the email sent to this company that received my identification as a third party to attempt to contract with the Executor that has privately discharged all debts and has protect all of his assets by a XXXX lien filed and accepted by the superior courts. Which ever company violated my Due Process of law and illegally gave my personal information to this third party without my consent should be investigated immediately and this bound to the Fee Schedule filed to the court on XX/XX/XXXX. Here is the letter sent to this company and is considered to be a Notice before they violate my Fee schedule and copyright infringement. 
I received a call from this agency on XX/XX/XXXX. Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal ; Applicable to all Successors, Assigns, and Agents : Silence, when there is a moral or legal Duty to respond, constitutes Agreement. 
I never gave consent nor have I contracted with this company. I would like to know why this company is calling in regards to my trust information. I demand within XXXX hours who gave my personal information to this third party debt collector ( Identity Theft ). If you believe my trust owed any money to the previous debtor I want to Thank This Company for paying off any loans my trust had contracted with the previous debtor. Your company was tricked into believing my trust was the debtor and not the Creditor and you paid whatever for a loan that was already discharged by the IRS and State Treasury. I demand the payoff amount this company paid and to whom, full disclosure of the contract and what is your authority and jurisdiction to operate in this capacity. This is a Notice making sure your company knows my assets are fully protected by Affidavit ( XXXX ), XXXX and a Fee Schedule and will be presented to your company if they choose to steal my private property. Your Debtor forgot to tell you of the Affidavit ( XXXX ) and you paid off whatever debt was owed. As it appears right now this company is in violation of Due Process of Law and is operating as a Executor XXXX XXXX XXXX while and are attempting obstruct of Commerce and violating these laws, 18 USC 241 and 242,15 U.S. Code 1692e, 16 CFR 433.1, 12 CFR 1026.13, 16 CFR Part 314, The Fourth Amendment and Fifth Amendment. I am giving this company 48 hours to respond to my demand otherwise I will start with a public report on the CFPB followed by the FTC, SEC and the IRS. I the Living Man I Reserve All Rights without Prejudice
Product: Credit reporting or other personal consumer reports

In XXXX XXXX, I received collection notices from XXXX XXXX for a credit card that I did not apply for or authorize. The account was fraudulently opened in my name, and the total amount owed is {$330.00} USD. I immediately contacted XXXX XXXX to dispute the charges and informed them that this account was opened without my knowledge or consent. I have also taken additional steps by reporting the identity theft incident to the appropriate authorities and the FTC.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Inquiry from XX/XX/XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry fromXX/XX/XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XX/XX/XXXXXXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Product: Mortgage

XXXX recommended Cardinal financial company to finance a mortgage on a home purchase in XXXX XXXX, Fl. The bank took to long to process the application by holding up the processing over {$140.00} non payment of old XXXX bill and it took 4 weeks to appraise the property. The property was under appraised which should have given me the ability to cancel the sale but the appraisal took over 4 weeks to get done and I did not have the ability to cancel the sale. In the end I was forced to take out mortgage insurance on a property in order to to close. Similar properties like mine are selling for {$15000.00} more than my property and the bank refuses to take off the PMI
Product: Debt collection

I was served court papers from utah attorneys/ XXXX XXXX XXXX of XXXX utah on XX/XX/XXXX representing XXXX XXXX XXXX in XXXX, Utah saying I owed {$500.00} for my ToRRID credit card account but Ive never recieved any kind of notification from XXXX XXXX XXXX credit caard balance was only {$250.00}
Product: Mortgage

XXXX behind on mortgage due to loss of job and death in the family. Started modification process in XXXX XXXX. Every month since then they say that I am missing paperwork and to resend. I resend the missing paperwork and they continue to say that they did not receive it. I have all fax confirmations showing where the paperwork was sent in. I reached out the XXXX XXXX XXXX XXXX to help out with my FHA loan modification. They are running in to the same issue as me. They keep saying that they are missing paperwork. I showed all fax confirmations to the legal clinic. They were told by the mortgage company that they " may '' have the paperwork, but to resend it again so they do n't have to search. I was told that during the modification process the foreclosure would be stopped until a decision was made. However ; I received a notice of sheriff sale today for XXXX XXXX. I call on a daily basis to check up on the process and I always have to leave a message for " XXXX XXXX '' who is on an extended leave. Her voicemail says it is being checked daily and that all calls will be returned within 24-48 business hours. However, they never call back. Then when they do actually decide to call me, it 's only to inform me that all of my paperwork has " expired '' and to fill out and send in all the documents again.