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

In accordance with fair reporting credit act XXXX account # 12345 has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a a account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Product: Mortgage

Midland Mortgage has been consistently reporting my mortgage to the major credit bureaus incorrectly. My insurance and taxes is not a note that should be reported, just the loan amount that I am paying back. I have been speaking with them since XX/XX/2015, and nothing has been rectified.
Product: Credit reporting or other personal consumer reports

Im reaching out for your assistance with the incorrect account on my credit report. This has damaged my reputation as a customer, and I need your help. I am requesting that these accounts be removed due to the inaccurate and negative reporting.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that I had XXXX inquiries from my credit report that I did not make. Those inquiries are listed below. I did not make the inquiries or recognize them. I was told that I would need to make a report. 

XXXX  - Reporting to XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - Reporting to XXXX. I have XXXX XXXX XXXX card that was opened in XX/XX/XXXX. 

Inquiry date not made by me - XX/XX/XXXX
Product: Credit card

On XXXX I received a notification on my phone that my Discover credit cards had been removed from my XXXX XXXX. I called discover that morning to figure out what was going on and I was told that my account was under a routine security check and that they should be in working order within XXXX hours. That morning my credit cards from discover declined on a simple gas station purchase. On XXXX I made a payment to discover for {$2500.00}. On XXXX I made a payment to discover for {$930.00}. The day of the payment of {$930.00} was taken out of my checking account my credit cards became unusable. On XXXX I called discover again and I was told that my account had been closed as a business decision. There was no warning or contact from discover at all about issues regarding my account. My credit limit had not lowered a single once throughout my time being a discover customer. As of XXXX I still have not received an email or phone call from discover regarding any information on why my account was permanently closed days after making {$3400.00} in payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts on my credit report that doesn't belong to me. I have no knowledge of these accounts nor have I given anyone access to any of my personal information to obtain credit. These are being reporting to my credit report and don't belong to me. 


1 ) XXXX XXXX XXXX  XXXX  XXXX  -opened XX/XX/XXXX amount {$300.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$970.00} 3 ) XXXX  XXXX opened XX/XX/XXXX amount {$340.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$0.00} 5 ) XXXX XXXX opened XX/XX/XXXX amount {$4000.00} 6 ) XXXX XXXX opened XX/XX/XXXX amount {$25000.00} 7 ) XXXX XXXX XXXX  Opened XX/XX/XXXX amount {$26000.00} 8 ) XXXX XXXX XXXX   Opened XX/XX/XXXX amount {$26000.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account.

I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX  and Transunion multiple times in regards to a creditor by the name of " XXXX XXXX '' on my credit report. My last four of my SS # is XXXX. This debt does not belong to me and I have asked the company to prove and verify that it does, which they could not. They have NO wet signature nor contract between them and I. Not only do they not have verification but they are also reporting incorrectly on my credit file. It's showing a closed account as of XXXX however still reporting late payments as of XX/XX/XXXX which is impossible on a closed account from XXXX. This is unacceptable and against FTC and FCRA laws and regulations. This creditor needs to be removed from my Transunion and XXXX  credit files IMMEDIATELY.
Product: Debt collection

They continue to call me repeatedly after I have told them I have no knowledge of this account and it has been removed multiple times.
Product: Student loan

I am a co-applicant on a private loan with  Navient (  XXXX  ). I wo uld like to know, if I am held responsible for this debt as much as the applicant why do n't I have a say in what goes on with the loan ( as far as skipping payments or paying interest only ). I have never had any contact with anyone asking if the payments could be interest only. I think after they have given the applicant the authority to change their payment options, the loan should fall only on the applicant. Could you please help me with this?
Product: Credit reporting or other personal consumer reports

The inquiry is not mine, and I have no association with the creditors mentioned. Please remove it promptly from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report today and I noticed that an inaccurate account listed by XXXX XXXX XXXX now contains a past due balance. This is listed as a collections and from the laws that i have read a collection account can not have a past due balance as a collection is past due by default. Please delete this inaccurate account from my credit report for failure to accurately list this item. 

Equifax and XXXX  are both reporting this inaccurate account which is damaging my credit. Neither XXXX XXXX XXXX, Exquifax nor XXXX has provided me with any kind of validation of debt and I've asked multiple times. This is in clear violation of my rights.
Product: Bank account or service

I XXXX 2015 I disputed a charge from XXXX in the amount of {$380.00} because I paid them to repair my fridge, and it was not completed correctly. I called Bank of America on XXXX XXXX, 2015 and filed to dispute and they credited it back to my account on that same day. In XXXX they sent me a copy of the receipt XXXX had sent them stating the charge was valid because I signed. I never said I did n't make the charge - XXXX never made the repair good or honor their warranty.
Product: Student loan

In light of the announcement about student loan forgiveness, I called my servicer, Nelnet, on XX/XX/2022 to ask if I should consolidate my loans in order to qualify. I was told that it wasnt yet known if my refinanced, originally XXXX loans would be eligible or if they would need to be consolidated in order to qualify, but if it did turn out that consolidation was necessary, then I could do so at any time. 
I found on XX/XX/2022 that loans such as mine would need to be consolidated to qualify, and the XX/XX/2022 deadline had passed. I called Nelnet again that day, asking that since I had asked on XX/XX/2022 and been given bad direction, if a consolidation could be processed and back dated. I was told no, and that employees at Nelnet had been given direction to tell callers not to consolidate. Its terrible that the servicing company made the decision to direct consumers who were acting in good faith to not consolidate, causing them to lose out on loan forgiveness. I suppose in order to cut down on a deluge of paperwork? Awful experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXXXXXX XXXX  SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX XXXX OH XXXX
Product: Debt or credit management

Charge me for credit repair and did not provide and resolve or help in credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY EQUIFAX CONSUMER CREDIT REPORT, I AM CHECKING ALL INFORMATION THAT IS IN ACCURATE I CAME ACROSS SOME ACCOUNTS SHOWING SAME NAMES TWICE FOR ACCOUNTS 1. WHICH IS NATIONAL CREDIT ADJUSTER IS SHOWING TWICE ALSO SHOWING ACCOUNT OPEN ACCOUNT # XXXX. SECOND ACCOUNT UNDER NATIONAL CREDITOR XXXX ACCOUNT # XXXX ACCOUNT SHOWING OPEN AS WELL. 
XXXX XXXX XXXX, ACCOUNT # XXXXXXXX XXXX XXXX XXXX, ACCOUNT # XXXX THERE ARE SOME DISCREPANCIES, INACCURACY, WITH THESE SAME ACCOUNTS. I HAVE A LETTER FROM NATIONAL CREDIT ADJUSTERS, STATING THAT THEY WILL OR HAVE ASK THE CREDIT REPORTING AGENCIES TO REMOVE THE ACCOUNTS FROM MY CONSUMER CREDIT REPORT.
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 don't have no written permission 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.

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

Someone needs to hold them accountable for this
Product: Mortgage

Breach of Contract, Failure to preform and uphold the terms of my mortgage. 
When the mortgage was initially setup in XXXX with XXXX XXXX XXXX XXXX there was an agreed upon clause made between myself and XXXX XXXX XXXX XXXX XXXX Branch Manager/loan officer. 
This agreement stated that there were 3 different parcels involved and that there would be milestone steps taken and parcels released and deeded to me free and clear upon reaching these different steps. I have reached and surpassed the first milestone by several thousand dollars. 
Fay Servicing LLC has not complied with this agreement. And refuses to even acknowledge it exists. 
I have attempted to speak to someone or in fact anyone that had the ability to even acknowledge this existing document. I have asked numerous times to speak to Fay Legal Division only to be informed that customer service reps will handle it. I have ask to speak to anyone that is in a supervisory position to try and sort this out. 
I have spoken to untold number of customer service reps. Most are having trouble understanding what day it is. 
Finally in XX/XX/XXXX I spoke to XXXX XXXX customer service rep about this problem. He gave me his direct telephone number as well as his E-mail. 
A copy of the original agreement was forwarded to him by E-mail. I received a return E-mail from him that he had received it and would forward it to the proper people. And that he would have some type of response in three days. 
It is now XX/XX/XXXX and still no response. And again, many many calls to Fay and no one that can read or understand what the original agreement says. 
My patience has evaporated dealing with Fay and their nonsense. 
I have attached with this statement several items related to this problem : Original Agreement between myself and XXXX XXXX XXXX XXXX 2pages E-mail received from XXXX XXXX Fays customer service rep. 
Fays Loan Details showing Original Loan Amount XX/XX/XXXX Fays Mortgage Statement XX/XX/XXXX showing loan balance.
Product: Credit reporting or other personal consumer reports

I need your assistance with the false account appearing on my credit report. This issue has hurt my reputation as a customer, and I require your help. I want these accounts removed since they are being reported inaccurately and affecting me negatively.
Product: Payday loan, title loan, or personal loan

I came upon this website looking for a loan at XXXX. I was approved by this company for {$1200.00} on XX/XX/XXXX. I was able to pay them back in a couple of paychecks, come to find out that the money they have been charging me of {$260.00} has been charged at " interest '' and a very small amount has been going to the payment for the actual {$1200.00} that I owe. For example, I have already technically paid off the loan, I have paid them {$1300.00} and they only accounted for {$150.00} to the payment of {$1200.00}. I have paid them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for {$260.00} each time. Also I talked to their customer service, in the last week of XXXX, and they would explain about the interest rate which didn't make sense and they never explained anything about the loan to begin with. I believe they are scamming me. I looked up at the XXXX  website and many others have said the same and are going through what I currently am. A XXXX  representative told me that they have a F rating for failure to answer complaint that XXXX  has sent. So they advised me to call the XXXX XXXX XXXX XXXX. I talked to the XXXX and they said they are scamming others as well and that it looks very bad on their end and was told that they weren't licensed to be doing this. I was advised to file a complaint to the FTC and CFPB. Now here we are. Please help
Product: Credit reporting or other personal consumer reports

RE : You 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. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 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 ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several inaccurate accounts and inquiries in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed my credit report and noticed multiple unauthorized inquiries made by various companies around XXXX and XXXX of XXXX. These inquiries were not authorized by me and constitute violations of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ). These unauthorized inquiries represent a significant breach of my privacy rights. 

On XX/XX/XXXX, I sent letters to each company involved, requesting proof of my signed authorization within five business days to verify the legitimacy of these inquiries. Although I requested the information in five ( 5 ) business days, I have allowed a 30-day response period, and still have not received any replies. 

Moreover, there are discrepancies in how these inquiries were reported across different credit bureaus, further demonstrating the inaccuracy and unauthorized nature of these entries. 

XXXX XXXX XXXX Inquiries : On XX/XX/XXXX, my XXXX report lists an inquiry from XXXX XXXX with an address in XXXX, MN. However, my XXXX report shows the same inquiry on the same date but with a different address in XXXX, MI. Additionally, my XXXX report shows two inquiries from XXXX XXXX with different addresses, all on the same date. This inconsistency is unacceptable and warrants immediate removal from my credit report. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, my XXXX report listed an inquiry from XXXX XXXX XXXX XXXX XXXX XXXX, LA. However, my XXXX report shows an inquiry from XXXX XXXXXXXX XXXX with the same address and date. The discrepancy in business names is indicative of inaccurate reporting and must be rectified promptly. 

XXXX. XXXX Inquiries : On XX/XX/XXXX, my XXXX report lists an inquiry from XXXX in XXXX, TX. Conversely, my XXXX report shows an inquiry from XXXX on the same date but with a different address in XXXX XXXX, SD. This inconsistency undermines the integrity of my credit report and necessitates its removal. 

I request that the Consumer Financial Protection Bureau investigate these unauthorized and inconsistent inquiries and take the necessary action to have them removed from my credit report. This correction is crucial to ensuring the accuracy and integrity of my credit information.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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

XXXX scammed, lost XXXX dollarish, company refuses to chargeback card even whil ; e the company is under XXXX investgation
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX has violated my rights.

15 U.S.C.1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

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 CONVICOF CRIMES WHICH ANTEDATES THE REPORT BYMORE 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 card or prepaid card

HSBC contacted me, in late XX/XX/XXXX, via text and email, regarding their concern over a fraudulent charge, from a XXXX XXXX XXXX company based out of XXXX XXXX, Nevada, on my credit. HSBC noted that XXXX XXXX claims my wife, XXXX XXXX, made the purchase. I called HSBC and verified that the charge, made late at night ( XXXX on XX/XX/XXXX ) was not made by myself nor my wife, XXXX . 

I don't even have a physical copy of the credit card, I destroyed it, as I do not use this card at all. 

The HSBC rep then credited my card for the {$190.00}. He said he would be issuing me a new card. I asked him not to mail a new card, as I don't use the HSBC card. 

Two and half months later, on XX/XX/XXXX, I received a letter stating that HSBC contacted the XXXX XXXX, who claim they did indeed fulfill an order for my address and credit card. I can assure you, as I did with HSBC, that this is a fraudulent charge. I then called HSBC and was put in touch with the fraudulent department. I believe they are in XXXX, according to my email from XXXX XXXX XXXX, Fraud Operations Manager. I spoke with 2 fraud reps who looked at my file, said they had proof of the purchase, and then refused to talk with me regarding my stance. 

My issue with HSBC is ongoing, as they reinstated the charge and since I am refusing to pay, my credit keeps taking a hit, and I am being charged late fees as well. 

I found more than 500 complaints listed on XXXX regarding the XXXX company and the same fraudulent charges occurring for them. 

I have reached out to XXXX XXXX XXXX 6 times via email. 
Fraud Operations Manager - US Fraud Operations | HSBC Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone XXXX Email XXXX XXXX responded to my first 3 emails back in XX/XX/XXXX, he included 10+ pages of XXXX receipts that I, nor my wife, ever initiated. I have reached out to him 3 times since and he has not returned my emails. 

I then mailed HSBC at their consumer affair office in New York, on 2 occasions ( XX/XX/XXXX and XX/XX/XXXX ) with my evidence of XXXX XXXX XXXX being a fraudulent company. I have not heard back from HSBC at all. 

My issue is : 1 ) HSBC contacted me regarding their concern of fraudulent charges and when I called to confirm such, the issue was handled. My account was closed, and a new account opened, with a new card - thus, in my opinion, justifying a fraudulent charge on my old card. 
2 ) Since then, HSBC has taken the word of a bogus company, with an " F '' rating on XXXX, over my word, the HSBC customer.