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

Under the Fair Credit Reporting Act ( FCRA ), I dispute the listed inquiries on my credit report as they do not have my authorization, violating Section 604. I request an immediate removal of these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE AND I AM ALSO ATTEMPTING TO APPLY FOR MORTGAGE ASSISTANCE. MY SERVICER, CHASE, HAS INVITED ME TO APPLY FOR MORTGAGE ASSISTANCE AND HAS SET A DEADLINE FOR XXXX XXXX, 2015. CHASE HAS ALSO SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/2015. CHASE IS ENGAGED IN DUAL TRACKING.
Product: Vehicle loan or lease

I have sent multiple secure messages requesting my payoff quote no response. called Ally Multiple times, and they falsely told me it was being " processed '' and that I would receive it on XX/XX/year>, but i never did. Tried to generate it through their website and app, but the system gave me an " error ''. Spoken to representatives who claimed it was escalated, but i still have not received it. At this point, Ally is deliberately delaying my payoff quote to keep collecting interest and prevent me from paying off my loan. This is an unfair lending practice, and i need my payoff quote immediately.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS LLC WERE SENT NOTICES OF CLAIM DISPUTE. I HAVE NO TACIT AGREEMENT OR PRIVITY OF CONTRACT WITH THE ABOVE MENTIONED FIRM. 

ALSO STATED : JEFFERSON CAPITAL SYSTEMS XXXX IS A THIRD PARTY JUNK DEBT BUYER, HAVING NO BONA FIDE PROOF OR FIRST HAND KNOWLEDGE THAT I SIGNED A CONTRACT WITH THE ALLEGED CREDITOR XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS LLC ARE USING A SCHEME OF FRAUD BY MAIL/EMAIL TO IMPLY A CONTRACT BETWEEN THE PARTIES. 

THIS IS XXXX XXXX EVIDENCE OF RACKETEERING AGAINST THE PARTY ( S ). 

THERE IS NO PROOF TO THE CONTRARY.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and on XX/XX/XXXX, 2 hard inquires appeared on my equifax account. I submitted disputes right away and froze my account. I contact the creditor and they noted the attempts were fraud. The inquires were removed from XXXX  and XXXX immediately after speaking with them. Equifax did not remove the inquires after the disputes were closed. After speaking with equifax again today, they are refusing to remove the fraud inquires even though the other agencies have, I have active fraud alerts on my account as well as through the FTC and my credit has been frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit, and I learned that every inquiry on my profile I had NOT authorized. These need to be removed immediately. Additionally, there were several accounts that I did not approve or never took a dime from them. This needs to be removed as well. I have also included addresses in which I never lived at as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX | XX/XX/2023 {$15000.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XX/XX/2023 {$2200.00} I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not begin made in error ; nor is my request to block begin made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

Without XXXX, XXXX XXXX
Product: Checking or savings account

Today XX/XX/2020, Chase bank closed my account for no reason. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX finance in 2018 and provided a court order to remedy my dispute. XXXX returned a vehicle to the possession of my ex husband that was titled under my name following a repossession. I was not made aware of the transfer of this property back into his care and obtained a court order stating that my ex husband would be entirely financially responsible for the vehicle, at which time he was ordered to retitle the vehicle under his own name and remove my name from the title. XXXX financing was provided with copies of this order on two separate occasions, and a formal dispute was filed. However, XXXX financing refused to honor the court order and placed this negative debt on my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/2022, my membership account w/ fraud alerts for the past 4 years was hacked & hijacked from my access even with paid premium features that were to protect and recover this issue. My account sign-in info was changed to an XXXX email address keeping me from logging in and/or changing password to log in. Someone was applying for auto loans daily for a month causing dramatic drops in credit score, then numerous fraudulent entries started showing up on my report including extra ssi numbers, fraudulent addresses, a list of 15 aliases when I've only used my real name all my life, fraudulent accounts claiming to be in collections when I've had no collections in my name in over 10 years. Each time I dispute this information, it shows back up on my report a couple of months later. Each time I call in, I'm sent on a " transfer cycle '' where I'm transferred back & forth to several depts for hours, then hung up on. Just to have to call in again, and go through the same treatment with nothing being rectified. My accounts that have been connected to XXXX XXXX were disconnected several times causing my score to plummet again, even while I've been working w/ 3 other companies reporting timely payments to increase my score faster than usual. I've dropped XXXX points just in the past 3 weeks and no one can expain this repetitive fraudulent activity to me even with fraud alerts, credit freeze, and I mailed/faxed in the police report at the very start of this ever increasing identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

HERE ARE ALL INQUIRIES BELOEW THAT HAS TO BE REMOVED AND DELETED PERMANENTLY XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Student loan

I have been applying for the Teacher forgiveness loan for 5 years as of today. I have been XXXX 9 years and just began XXXX for the 10th year. I keep getting denied because I am not at a XXXX school. I have explained over and over that I ca n't help where the district places me. This year my family had to move to a new city which means a new district for me and I am the only XXXX ( for students ages XXXX-XXXX with XXXX ) in the district. As this is a brand new program in the district. I was placed on a campus due to the campuses size unfortunately I am not a XXXX school but I will receive XXXX XXXX school. I have explained it over and over but to this date they are not working with me or letting me qualify for a Teacher Loan Forgiveness program. Instead they keep informing me to apply for the Public Service Loan Forgiveness plan which I did XX/XX/2013. My payments are not being reflected as it shows that I owe them more than the original amount that I transferred over. I pay XXXX a month and my balance seems to continue to increase rather than decrease. It appears that my interest rate keeps going up and down. I am just at a loss why my principal continues to increase and why my loans are not being forgiven as I am a XXXX and XXXX students have been and will continue to be in XXXX. I work extremely hard in a very demanding field and I feel like there has to be something that they can do to do right by me and the work that I LOVE to do daily. I have been paying my loans for over 10 years I should qualify for all of my loans being forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed a incorrect accounts. I feel that this accounts is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX  - Account number : XXXX After your investigation is complete, please send me the results via mail. 
Thank you in advance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX In XXXX with the fair credit act XXXX account XXXX has violated my rights. 

15. U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 section : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquiries on my credit report that I did not apply for any type of loan this is a mixed file of some sort please remove 1. XXXX XXXX XXXX from XX/XX/2017 2. XXXX XXXX Inquiry fromXX/XX/2017
Product: Credit reporting

The student loan company is reporting inaccurate information. I 've sent them emails on XXXX different occasions and asked that they correct the reporting. My student loans have been in deferment during the periods they say payments were late. The student loan company provided me with documentation of the my student loans deferment history which shows the loans were deferred the times they reported it to be late. This is becoming redundant. This is an easy fix and I would like them to remove the negative reporting from my bureau
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person I'm a living human being I have rights under XXXX Equifax is govern by XXXXand they violated my rights numerous of times. On XXXX XXXX XXXX reported a fraudulent account saying I owe XXXX to a company that fail to turn a service off after I discontinued the service and another company I don't even use XXXX and they reported I owe them {$760.00} and I haven't opened up an account with them
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 reporting or other personal consumer reports

In XX/XX/XXXX this writer Leased a new XXXX XXXX XXXX from XXXX XXXX. In XX/XX/XXXX we weren't decided on whether we were going to purchase the vehicle or not, so this writer contacted XXXX XXXX and requested a Lease extension. The Lease extension was granted and lasts until XX/XX/XXXX. We have now decided that we want to purchase the vehicle and applied for a Loan. The loan was authorized but the rates were very high, despite this writer and wife both having very high credit scores : credit scores that we worked 30 years to create. During the loan this writer contacted the bank ( XXXX XXXX XXXX ) to ask why our rates were so high. The bank reported that XXXX XXXX had recently reported to all 3 major credit bureaus that this writer was " late more than 30 days on a recent payment. This writer contacted XXXX XXXX to identify if a mistake was made and it was identified that my payment history was perfect and in fact that XXXX owes money back to us for overpaying. I spoke to everyone I could to get this rectified and I was informed by Ally that it could not be rectified and that " Im sorry it must have been an error. '' XXXX informed this writer that we had to report to CFPB to get corrected. 

I have included a copy of payment history.
Product: Money transfer, virtual currency, or money service

I made a transaction on XX/XX/2023. World Remit did not honor their advertisement. They held my money without releasing it claiming that my ID was expired-its not! A check show that the 3rd party holds my pertinent personal information for 360 days ( no guarantee of security ). I called World Remit @ XXXX for XXXX XXXX at ( XXXX ) XXXX & spoke with XXXX XXXX I requested a supervisor. He claimed that one was not available. He gave a case # XXXX that dont exist when I called back. He claimed he released the funds XXXX. Upon calling XXXX, I was told that it was not released