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

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXXXXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Hello, I am trying to fight a charge-off on my credit report. 
I had paid the Target Red Card services the full amount, but within 3 months, but they made it difficult to pay locking my only account. 

How long does your account have to be delinquent before they can charge-off the account? 

They did not write me to let me know the account was going to be closed r charged off. 

Please assist, XXXX
Product: Debt collection

They continued to charge my account even though I requested months prior, they discontinue my service. They continued charging me for service which i did n't have. It 's not right i am being charged for service i did n't have.
Product: Vehicle loan or lease

Loan paid off in XX/XX/2018. We still do not have the title. The company can not locate the title nor tell us how to get a replacement title. They will not return our calls and either hang up on us or just put us on hold. 

We have been to the DMV here in Florida. We have contacted the California ( state where the loan originated and our residence at the time of origination ) DMV as well. They both believe it is Chase 's fault and duty to deliver us the title.
Product: Credit reporting or other personal consumer reports

I do not recognize this address please remove XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that " In general Subject to subsection ( c ), XXXX  consumer reporting XXXX  may furnish a consumer report under the following circumstances and no other : in accordance with the XXXX  instructions of the consumer to whom it relates. '' ( Furnisher of information to credit XXXX  ) the XXXX XXXX and the Consumer reporting  XXXX  Equifax and XXXX do not have my consent to furnish this information and they surely do not have my XXXX  consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to XXXX  XXXX  ) whether it be XXXX XXXX XXXX XXXX  or otherwise is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX XXXX unless the consumer is given an explanation of how the consumer can exercise that XXXX  option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my XXXX  option. Not only that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states '' Except as authorized under subsection ( b ), no consumer reporting XXXX  may make any consumer report containing XXXX  of the following items of information XXXX  other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A states " A person shall not furnish XXXX  information relating to a consumer to XXXX  consumer reporting XXXX  if the person knows or has reasonable cause to believe that the information is XXXX. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting XXXX  shall maintain reasonable procedures designed to avoid violations of section XXXX of this XXXX  and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this XXXX. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at XXXX  time. '' I am opting out of XXXX  reporting services.
Product: Bank account or service

Following death of parent in XX/XX/2014, I have attempted to receive remaining funds in her Bank of America checking and savings accounts. Bank of America has repeatedly demanded further " proof '' of my eligibility to receive these funds, and in phone conversations has repeatedly assured me that all was in order and that a check would be sent to me " within 15 days. '' No such check has been forthcoming.
Product: Mortgage

I previously submitted claim XXXX, but there is more information that I need to add than what I dictated over the phone. 

I had a mortgage with XXXX. When they went out of business I had no correspondence informing me of who had the mortgage. After calling several companies I stubbed across a tax document and found shellpoint mortgage servicing and called them and found out they held my mortgage. My initial call to them was the XXXX of XXXX. I spoke to a lady in customer service who took a telephone payment for 1 month of mortgage and told me to email XXXX XXXX, not proving a reason why. I emailed him ( email attached ) with no reply. I had charges of over {$9000.00} and legal fees. I did not want to pay any fees that I did not understand. I also had an escrow account set up that I did not authorize. 

I was able to create a shellpoint account and made a 2nd payment the XXXX of XXXX. I also wanted to start direct debits. In XXXX, I noticed I still didn't have a direct debit so I tried to log onto their website on multiple occasions and it didn't work. I called back to Shellpoint customer services on the XXXX of XXXX and made another payment over the phone. 

I called again the XXXX of XXXX because I was still struggling to use the online site, still did not understand the escrow or legal fees and I wanted to pay off some principal on the mortgage. At this point I was informed that my mortgage was in foreclosure which came as a total shock. Prior to Shellpoint picking it up, I held it with no issues since XXXX. 

The only correspondence I received from Shellpoint by mail was a statement dated XX/XX/XXXX. The fees were still not laid out or explained. 
I have since looked at the XXXX reviews and see a lot of other customers have faced the same issues. 

The people I speak to at Shellpoint are always friendly but I am not in a serious issue and feeling very distressed and I have received no real help from them and have no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for items to Be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Product: Credit reporting or other personal consumer reports

I have reviewed my Credit profile and noticed inquiries or collection that i never gave written instruction to 3rd parties to report to my file. According to the FRCA this is violation of 15 USC 1681b- PERMISSABLE PURPOSE. Please understand that no consent is IDENTTIY THEFT. I AM DEMANDING THESE ACCOUNTS BE REMOVED IN 2 BUSINESS DAYS. LIST OF ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this item was paid and on time has been removed on two credit reports but XXXX will not remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in the XXXX XXXX XXXX program and locked my credit after the breach. I went to the website and unlocked my credit and it said it would take XXXX hours. About a week or so later, I tried to have XXXX XXXX XXXX run my credit so I could have an account for their internet services and they said my credit is locked. I got on the website for the XXXX XXXX and it says there is an error. I called Equifax and have talked to 15 different people and no one can seem to fix this issue. They send me back and forth to each other saying I have a lock then the other says no I have a freeze. I can not access or apply for any credit and this is a serious situation.
Product: Credit card

I paid off my capital one quick silver credit card before the due date, it was in a pending transaction for three days after my bill was due causing a late payment and decreasing my transunions score by a negative XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

When making the purchase XX/XX/17 XXXX the dealer was suppose to fix the a/c. I went inXXXX to have the a/c fixed. Stayed at the facility 8 plus hours and they didn't have the part to fix nor was the part ever ordered because they claimed they couldn't find the part. This was a part of the deal. Weeks went by and still no call to bring my truck in for service. Although I made several calls to arrange for the a/c to be fixed. The dealer didn't hold up their end of the bargain was not held. They have now placed this on my credit report.
Product: Credit reporting or other personal consumer reports

i have sent letters to the furnisher as well sent a complaint to all XXXX agencies about Account : XXXX XXXX XXXX, they are not license in the state of XXXX  to do business as a debt collector and reporting inaccurate information on my credit report and needs to be deleted.
Product: Credit card or prepaid card

I've contacted the credit card company several times. 
They are not allowing me access to my account. 
My purchase was declined from the website but was deducted from account
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

Please see attached, I'm a victim of identy. Please see attached FTC report. 

XXXX XXXX IS THE PERSON BELIEVED TO HAVE STOLEN MY IDENTY
Product: Debt collection

DEAR CFPB, MADAM/SIR : On : XX/XX/2019. Simons Collection Agency send me a letter that I owe my provider ; XXXX XXXX XXXX the amount of : {$16.00} Than on : XX/XX/2019. I Responded via U.S. MAIL, that this debt was already PAID BYE XXXX. Today, XX/XX/2019. Around! XXXX XXXX New Jersey time. I received a telephone call from unknown male person that refuse to give me his name and He stated to me that he was calling from XXXX XXXX XXXX, asking me to give him : 1 ) my date of birth and 2 ) My adress. I told Him that i DO NOT GIVE NO NAMES OR ADRESS TO NO BODY ON THE TELEPHONE. And when i called his telephone number back he was not form XXXX XXXX XXXX. He was from Symons Agency debt collector. I called than my provider XXXX XXXX XXXX and told the lady that some body call me asking for my date of birth and adress and that was FRAUD. I also in my letter dated : XX/XX/2019 to Symons agency to please NOT TO CALL ME, NOT TO HARRAS ME, NOT TO THRETENING ME< AND NOT TO CONTACT ME ANY MORE AS PER FEDERAL AND STATE LAWS DICTATE. Thank you : Respectfully yours : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has mutiple error on my credit report i have contact numerous times to get items removed and the only option they keep giving me is to make a report with you guys they have the address listed below on my credit report and i have never lived in New Mexico in fact i have never even traveled there please do what is right get them to remove. 
Address : XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a collection account on my credit report that is not mine. I have requested proof of debt 4 times. Including certified mail. I have not received any response from them. When I call them I get bounced around and can never speak to anyone. This is not my debt. I'm not sure what other steps I need to take. Thank you for your help.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON several occasions I have tried to upload documents to get my credit report from Experian to no success. I was declined credit and would like a free copy of my report thru Experian. when I goto there website www.experian.com/upload to go thru the process the company refuses to accept documents that are PDF and below the 15 MB limit. this company is making it hard to get copies thru the internet and has I think on purpose made errors in there web site collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered unauthorized information in my name being used on my credit report. I have placed multiple disputes and complaints, and police reports with these companies, But these companies continue to show neglect by refusing to remove the account. Attached below is an affidavit that was sent to me from " XXXX XXXX XXXX " This attached affidavit was completed and emailed back to " XXXX " on XX/XX/2022, XXXX. 
The affidavit was emailed along with an FTC report, which is also attached below. The affidavit was notarized and signed by law enforcement as instructed by the company to get the account removed. The affidavit was also attached to multiple CFPB complaints which will be listed below as well. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. If the account is not removed a federal charge will be filled against both companies " XXXX XXXX XXXX " and " TRANSUNION ". This charge may lead to a lawsuit. 

Citizen Complaint Center Antitrust Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX a fraudulent hard inquiry was made online to XXXX XXXX XXXX XXXX thru Synchrony Financials XXXX Upon disputing synchrony on XX/XX/XXXX i told me they will send the paperwork to XXXX to remove the inquiry and it will take 90 days. I called them on XX/XX/XXXX to follow up why is it still not removed, they said it is being done and be patient with them. Its XX/XX/XXXX i called them again, was on hold for an hour but they kept transferring me. XXXX Bank and very unprofessional. just a waste of time.
Product: Payday loan, title loan, or personal loan

The only way I could get to this step was to simply choose I got a loan but in reality, I did not. I would like to file a SECOND complaint of this company called OPPORTUN THAT KEEPS SENDING ME XXXX. I DO NOT WANT A LOAN THROUGH THEM OR ANYBODY. I HAVE NEVER APPLIED FOR A LOAN WITH THEM OR GIVEN THEM PERMISSION TO SEND ME XXXX OFFERS. I GOT A LETTER THE OTHER DAY STATING I WAS PRE APPROVED FOR A LOAN WHEN I SPECIFICALLY GOT A LETTER FROM THE HEAD OF THE COMPANY SAYING THAT MY ADDRESS WOULD BE REMOVED FROM THEIR SYSTEM. IT HAS BEEN WELL OVER THEIR 40 DAYS TO REMOVE ME & THEY CONTINUE TO SEND ME XXXX. I SERIOUSLY WANT TO SUE THEM FOR HARASSING ME WITH THEIR PRODUCTS. PLEASE STOP SENDING XXXX!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit card

On XXXX XXXX, 2016 I applied for a credit card with Penfed Credit Union. I received an email from Penfed stating that my XXXX credit report was locked. On XXXX XXXX, 2016 I removed the lock from my XXXX credit report. Penfed subsequently approved the credit card application. On XXXX XXXX, 2016 I again applied for credit with Penfed and received another email from Penfed stating that my XXXX credit report was locked. I contacted Penfed on this date and explained that my XXXX credit report was n't locked and asked if they could use the same hard pull from XXXX XXXX, 2016. The Penfed representative stated that they could use the same hard pull if it was done within a 90 day period. I proceeded with the application process based on the information provided by the Penfed representative. On XXXX XXXX, 2016 I again applied for credit with Penfed and received an email stating that my XXXX credit report was locked. I again contacted Penfed, as my XXXX credit report was n't locked and I was again informed by the Penfed representative that they could utilize the same hard pull within a 90 day period. Penfed has consistently informed me that they could use the same hard pull as long as it was within 90 days. On XXXX XXXX, 2016 I spoke with a Penfed representative who informed me that their system showed that Penfed only pulled my credit one time on XXXX XXXX, 2016. The representative stated that if I had a credit report detailing that Penfed pulled my credit after XXXX XXXX, 2016 that I needed to submit a copy of my XXXX credit report to Penfed and they would remove the inquiries from XXXX XXXX, 2016 and XXXX XXXX, 2016. I submitted this information to Penfed and also a dispute with XXXX. Both Penfed and XXXX stated that the inquiries were factual. I did n't authorize inquiries of XXXX XXXX, 2016 and XXXX XXXX, 2016, as the Penfed representatives informed me that they would be utilizing the XXXX XXXX, 2016 hard pull from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

After months and months, I have still not made any progress in getting this company to do the right thing, So i am turning to CFPB for help. They are reporting inaccurate information to my credit report and it needs to be deleted ASAP. They never seem to investigate only give false claims, The XXXX  was unable to help i am hoping that you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX XXXX XXXX XXXX {$5700.00} USDOE/XXXX  {$71000.00} XXXX XXXX {$3000.00} XXXX   {$360.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a collection from Jefferson Capital. I have tried to dispute with XXXX, but it keeps getting denied. This debt is past the statute of limitations. This company has also tacked on extra money that is not the original amount.
Product: Credit reporting or other personal consumer reports

I was never late on my car payments. I did deferred payments in XXXX while on XXXX leave. I also deferred payments during XXXX in XXXX. On my XXXX  credit report I disputed two late payments and they updated the payments and move them to different months which is incorrect. I have my paperwork from the deferred payments.