23daVinci/CFPB_Complaints huggingface dataset:
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  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX and 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

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXXXXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted and sent Fraud Affidavits to Professional Placement. Also, I have disputed this account with XXXX who stated that Professional Placement verified that this account belongs to me. I find that hard to believe since I was never able to get a response back from Professional Placement. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.
Product: Credit reporting or other personal consumer reports

There is a current creditor that is reporting that my payments are late and they all are on time. I would like an updated copy of my report showing proof of payment history being good. This is beyond defamation and i am demanding removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to you that, you, none of your action have complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

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 bankruptcy XXXX # XXXX
Product: Checking or savings account

Around XX/XX/XXXX or XXXX my account was put on hold. I was told it was due to fraud. I left several messages and was told that someone would get ahold of me. I would call every week that would pass to complain that I have not heard from anyone yet. I even sent them by email paper work to show the money was mine and had every right to it. I even explained that as a XXXX XXXX I have lost tons of my due to not being able to access my money. It's now been 1 and a half months. This PPP loan was supposed to help my business get back on track and instead it put me deeper in the hole.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have a reoccurring interest charge on a purchase from 2014
Product: Mortgage

My wife and I bought a home in XX/XX/2017. When we closed on the property taxes were taken out and prorated for the upcoming year. However, the mortgage company raised out mortgage and collected for 2 years of taxes and increased our mortgage by over 1000k dollars making the home unaffordable for us. I have tried speaking with them and every time I speak with them I get a different answer. I'm looking for them to honor the agreement we had in place. to raise our mortgage payment by 1000 dollars unexpectedly puts us in a financial bond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX calling me in regards to an old debt. I had already requested verification of debt months ago and they refused. A gentleman by the name " XXXX XXXX '' states he is the in house lawyer, threaten me that he was going to come to my place of business, using foul language when I asked him for proof that he was indeed a lawyer. Calling my family members after I have already made contact with them and providing them with my personal matter.
Product: Debt collection

Paid this amount with customer service representative before it was sent off to collections
Product: Credit card or prepaid card

In XXXX, my credit card ending XXXX has a credit balance of {$5300.00}, requested capital one to refund since then. 

the request was never handled properly so as of today i have not received my refund. 

On my phone call last week, the customer representative apologized and said " they dropped the ball '' for not processing this correctly. and the customer service GUARANTEED that due to the mistake, they will transfer the balance directly to my debit balance account. 

One week after today, i have not received the money nor a follow up call. So i called again only told that they sent out a check for the refund, when i question how my complaint can be heard, the customer service XXXX ( employee ID XXXX ) told me the complain is handled by " HIGHER UP '' can i can not talk to them. 

When called back again, another representative put me on hold for 17 mins until i hang up, when i specifically requested to be transfer to someone who can handle the balance transfer to me today. 

As if XX/XX/19, my money is no where to be found and somehow on capital one 's credit card account, it shows the balance has been refunded to me. Scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX Amount : {$11000.00} Disputed account on credit report twice and asked for original signed consumer contract on file for the account along with the process that was used to verify information. I never received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed severeal incorrect and incomplete items from my credit report to 3 credit bureaus and none of them have answered me.
Product: Credit card

Target has tried to deny this dispute despite the fact that on the recorded calls -- I was informed that a check would be mailed to the address on file once the payments have cleared. For this reason I disposed of the prepaid cards which DO NOT accept refunds. In other words, Target went out of their way to send money back to prepaid cards that can not accept credit after the initial load.

The issuing bank can not help as this is not their problem, but rather the issue that Target caused. I was misinformed and misled on several occasions and checked the mail daily for a check. I was told months later that the funds were returned to prepaid debit cards. 

If Target does not send a check for the balance of {$22000.00} to the address on file, I will have no choice but to move forward with litigation.

In early 2022, I opened a Target Redcard Credit Card. I was given a credit line that was insufficient for my needs and was told that if I prepaid ahead of charges I would a ) be able to spend more, and b ) would accelerate and increase the likelihood of recieving automatic credit line increases. I made a payment in-store via prepaid debit cards that do not allow credits after activation. My last payment was made in XXXX of XXXX  totaling {$22000.00} -- XXXX payments in the amount of {$490.00} per prepaid debit card. The payment was made in-store. Not long after Target called me and informed me that my account was closed for excessive payments, despite the phone rep telling me that it was an approved method for increasing spending power and was viewed as a positive action by the bank. They informed me that they would be refunding the credit balance on the account via a check to the mailing address on file. The prepaid debit cards have been disposed of and they do not accept credits after the initial activation. Months after the incident Target informed me that they decided to return the payments to the original payment method despite them having to go out of the way to do this and process XXXX individual refunds. This is inconsistent with standard practice, both for Target and for the industry standard. After the funds have cleared and the hold period has elapsed, a check is typically issued to the address on file. Target refuses to correct their mistake and says that I need to call the prepaid debit issuer. Target went out of their way to cause this issue, will not even provide proof that the funds were sent, and will not issue the check they had promised to issue as of Saturday XX/XX/2022. The reps claim that this is standard practice in instances where they refund a credit balance on the account, however that is not the case.
Product: Credit reporting or other personal consumer reports

I request validation of debt with proof of my wet signature on the original contract of all account 's listed here in with TransUnion reporting agency ; acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have pleaded to this company numerous times that this item is part of identity theft and is currently being investigated by law officials and they have purposely disobeyed my request to remove this account from my name. I have also asked for documentation and they also ignored that request. This company has blatantly violated my rights under FCRA 18 U.S. Code 1028A - Aggravated identity theft. 

XXXX XXXX XXXX XXXX {$1900.00} Open date : XX/XX/year> The credit bureaus have also violated the following laws in this matter : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX || Date : XX/XX/year>
Product: Credit card

I XXXX XXXX applied for a credit card and got denied several times Due to USC 1691 and CFR 1002 You cant be denied credit due to credit score or credit history or income. Anyone adverse actions in a consumer credit transaction is illegal. I would like to access my unlimited credit thank you.
Product: Mortgage

I would like to incorporate in this complaint a previously filed complaint CFPB Complaint # XXXX. At the time of that complaint in XXXX of 2023, I was unable to properly communicate with an reach a resolution regarding the handling of a joint check that was issued by my home owners insurance for completed roofing repairs. I was called by Service Mac within a week, and the leadership or legal department agreed with me that the check would not be secure in the USPS or even by courier as a fully endorsed negotiable instrument and said that I could send in unendorsed checks to be returned to me for deposit and full payment of the roofing contractor. The roofing company management was on many of these calls and copied on correspondence. 

I was clearly told, at different times, by different personnel, that because this was a closed matter, they would not open an account to deposit funds and then issue a new check and that my only resolution was to endorse thousands of dollars in checks, and wait for the mail to send me a fully endorsed and negotiable instrument. 

However, by this point, I needed to have the insurance company issue new checks, as the previous checks had expired. In order to avoid a credit issue with the roofing company, I paid the balance of several XXXX dollars owed. I have sent in those new joint checks and was notified this week that the unendorsed checks are being returned to me because I did not endorse them and they ARE NOW REQUIRING ANOTHER INSPECTION. At this point, I have no confidence in the front line employees to properly and securely handle XXXX of dollars in funds that are owed to me. These front line employees have no direct access to the leadership/legal department, and can not give me any assurances on how my check will be handled. I have been on the phone for hours with various individuals that do not have the information or authority to ensure this is handled properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have called them and told them that I would pay the monthly payment late before it hits 30 day but they still keep calling me every single day!!! I did refinance the loan but still did not help me due to when I was sick and was not working over time and I was contagious and got my husband sick and he also missed work and he does not have paid time off. I am trying my best to catch up but as of right now thats all I can do is pay before the 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX. The provided address and phone number listed above is False information and several certified letters were sent to all parties, explained during XXXX XXXX. 

2. The account was paid in full by the VA department due to military service-connected. 

3. After a serval telephone conversation with the parties : Experian, XXXX, and the damage caused by The U.S. Treasury wrongfully Offset from XX/XX/XXXX - XX/XX/XXXX, in a total of ( 9 ) overpayments = {$1500.00} ( which is beyond the initial payment of {$1100.00} ) 4. A few certified letters were sent to notify them of their wrongfully neglected, and nothing was done by them. 

5. The attorney initiated litigation in Federal XXXX Court, for punitive damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong credit information was reported to to 3 credit bureaus. Although, 2 complains have been filed and numerous credit dispute with Lakeview LoanCare services, this company still made errors and reported without carefully review diligently. Either irresponsibility of people who reported or just bad human beings have been working for Lakeview LoanCare. 

The latest error was the loan amount on my account, which was reported as a total balance of more than XXXX millions. My account balance should have been only around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 credit cards that I had settlements with I paid both of the settlements off in XXXX of this year ( 2022 ) the XXXX XXXX XXXX still shows a balance & the XXXX XXXXXXXX XXXX also shows a balance I've submitted to the credit reporting companies a lot of times & nothing is changed