23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is in regards of the recent accounts being reported on my consumer report that I will share below, that the credit bureaus have been reporting causing a high negative impact on my consumer report.I have been aware that since I open these accounts with these companies I made some uninformed decisions.First I was never giving any clarity of these agreements and the agreements was not conspicuous.15 usc 1601 makes it clear and conspicuous that if I was giving the proper information where I can understand any agreement in a credit transaction thats this would have been avoided and I would have been aware of the actual cost.To my knowledge there is no evidence of these debts, the only evidence would be the agreements.But because of the uninformed decisions these agreements has been voided. I was not giving an adequate notice where I could reasonably understand the full meanings of the agreement, where it seem these companies have only benefited.The very long agreement was very stressful to understand and over-stand any verbiage used in it.Even after trying several attempts to get any understanding from these companies I misguided.I highly dont believe the generated systems these companies use to send consumers these agreements gives adequate notices where all consumers can understand as well.According to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be EXCLUDED from a consumer credit report.Therefore these reports should have not been reported. The definition of a credit card under 15 usc 1681 relates as it is under 15 usc 1602 ( XXXX ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, port, labor, or services on credit. Congress makes its clear and states that ANY card. So basically the credit card used would be my social security card.This is the credit card I used to begin ever consumer credit transaction below.So if anything these accounts should be reported as paid in full and payments updated as on time. I would like to demand that you these credit bureaus do just that or remove these transactions from report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 


These following accounts need to be removed immediately XXXX XXXX OPEN XXXX XXXX OPEN:7/11/2021 XXXX Orgianal creditor : XXXX  XXXX XXXX Open XX/XX/2022
Product: Debt collection

A collection agency called my work cell phone in the middle of my work day to advise that I owed XXXX XXXX over {$3000.00}. I have never had an account with XXXX XXXX. I asked them to clarify and they said they had an affidavit that it was my debt that started in 1993! They read off my name and social security number and I said that is not my debt and I don't have anything in writing from them. I asked them for back up on this debt and a copy of the affidavit as this was 25 years ago I do not have any back-up. She collector named " XXXX XXXX '' refused and said she would forward to her attorney 's for further action. She also threatened to call my current credit card companies and have my accounts cancelled and destroy my credit which is good as I just leased a car. Not only do I think this is illegal but harassing and I would actually like to sue this company. The company is call XXXX and the phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have had my federally protected consumer rights violated by EXPERIAN on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. EXPERIAN has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included 3 notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

On XX/XX/2021, I sent my regular mortgage payment thru my credit union by bill pay to Citizens One Bank. My credit union has verified that the money was sent, the bill pay company verified the money was sent, and Citizens One bank has verified the money was received. The problem lies in that Citizens One received the payment with additional principal of {$1400.00} was received but it was applied to the principal only. I pay {$650.00} for my mortgage payment and send in an additional amount of {$800.00} to be applied to the principal for a total of {$1400.00} every month. I make all my payments on or about the first of every month. I have called numerous times with a total on hold wait time, to speak to someone in customer service, of 11 ( eleven ) hours. Every time I call, I am automatically routed to collections and have to go through a lengthy verification process, just to be able to say " I want to speak to customer service ''. My good name, my credit score/history, and my good standing in the financial community are in jeopardy due to this situation. I am at my wits end, I simply want this rectified! I will provide any documentation requested.
Product: Credit reporting or other personal consumer reports

I have identified multiple fraudulent accounts on my credit report caused by inaccuracies in my personal information. This issue stems from identity theft, where my personal details were misused without my knowledge or consent. I followed the proper procedure by filing an FTC identity theft report and provided this information to TransUnion, yet the fraudulent accounts continue to appear. These ongoing inaccuracies are causing harm to my creditworthiness and financial opportunities.
Product: Credit reporting

I checked my credit tracker and there is a XXXX XXXX account in my name that I do not have
Product: Credit card or prepaid card

This is not a duplicate. 

I received a letter from TD Bank dated XX/XX/2020 " We're writing today to let you know your TD Credit Card account is past due. '' As I don't have a credit card with TD Bank, I ignored the letter. I'm concerned that TD may have wrongly reported negative information to the credit bureaus.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX XX/XX/XXXX. The pink slip says my payments are {$270.00} for 72 months. I borrowed {$11000.00} and my interest was {$8700.00} making my total payback {$19000.00} which is {$270.00} for 72 months. I have had a lot of late fees added on to my account but what I don't understand is that I have added up all that I have paid them and I have looked at my account with them. Records show that I have paid {$6200.00} in principal and I have paid {$14000.00} in interest. Which totals {$20000.00} As of today, I still owe {$4900.00}. I don't understand. I have tried to call them to have them explain it to me but no one will take the time. I have paid well over what my wife and I signed the pink slip for. How does that work? Their phone number is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B CHILD SUPP   XXXX B CHILDSUPPORT XXXX XXXX  XXXX XXXX B XXXX XXXX XXXX XXXX XXXX XXXX  XXXX B XXXX XXXX XXXX B US DEPT VETS  XXXX B US DEPT VETS  XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*
Product: Debt collection

I continue to receive repeatedly phone calls a day from these credit card companies below JP MORGAN CHASE CALLED XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had initiated a dispute in XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

There is an account with XXXX that should be removed. It has been be settled and I was told it would be removed however after several conversations and follow ups it's still reporting. This needs to be deleted ASAP. 

For the XXXX XXXX car loan I was NEVER late. I am providing documentation showing how there is so many discrepancies in the reporting. How can I be paid on time with XXXX and XXXX  of XXXX XXXX but late 30 days with Equifax?? How can I be late 30 days with XXXX and XXXX in XXXX of XXXX but on time with Equifax? 
The payment status shows 30 days late yet Equifax shows its current. I need these late payments removed. 

For the XXXX XXXX account they have yet to provide documentation to me proving this is mine. This should not be reporting. This should not be on my report and should be removed immediately. They have yet to respond to any of my correspondences.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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. 


The list of accounts appearing on my credit files by XXXX, Experian and XXXX below have violated my federally protected consumer rights to privacy and confidentiality reporting as stated above : 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 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

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX  XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Mortgage

On XXXX XXXX 2016, my house was damaged by wind and hail. Because my mortgage is financed by TCF National Bank, the insurance company placed TCF and my name on a check for {$9000.00}. Assistant Vice President and Branch Lending Manager XXXX XXXX XXXX refuses to release the entire amount to me, even though I have provided all of the documentation he requested. Furthermore, when I spoke to him over the phone, he was EVERYTHING BUT HELPFUL ; he assume an arrogant, condescending, and patronizing tone and even had the gall to suggest that I was lying to him. It took a week to receive the checks to pay for materials and labor, and the checks amounted to {$600.00} short of the {$9000.00}.
Product: Credit card

On XX/XX/XXXX, I took my car to the merchant for a routine oil change. Unfortunately, after the service, a misfire occurred, leading the merchant to admit that they might have accidentally removed the sparkplug. They requested me to bring the car back to their shop for repairs. 
Upon returning my vehicle, the merchant informed me that fixing the misfire would cost approximately {$250.00} to {$300.00}, which I agreed to pay. Furthermore, they assured me that the car would be returned within 14 days. 
However, the merchant XXXX XXXX XXXX XXXX XXXX communication became increasingly sporadic, with long periods of no response to my inquiries about the status of my vehicle. I made numerous attempts to cancel the service but received no response. It was only after XXXX months, in XXXX of XXXX, that I finally received a call from the merchant. 
During the call, the merchant insisted that I pay {$470.00} to retrieve my vehicle. I provided my credit card information over the phone, trusting their assessment of the charges. 
Shockingly, a few days later, I discovered that they had charged my credit card for a staggering {$4700.00}, instead of the agreed-upon {$470.00}. 
To compound matters, upon receiving my car, I noticed that the engine lid was missing, the car seat was damaged, and, to my dismay, the check engine light illuminated the very next day, rendering the vehicle undrivable. Despite immediately contacting the merchant, their response was dismissive, offering only to purchase an engine lid while demanding an additional {$9000.00} to fix the engine, which is an exorbitant and unjustifiable amount. 
Given the circumstances outlined above, I kindly request your assistance in resolving this dispute with the merchant. The unauthorized charges of {$4700.00} must be reversed, and I should not be held liable for any costs associated with repairing the damage caused by the merchant. 


The biggest issue I had is that American Express has not been investigating this charge. They constantly send me the same response ending the dispute in the merchant 's favor without answering to the evidence. For example, the dispute was opened because " The vehicle is still damaged '' but Amex responded by saying. " There was no records of cancellation '' which is not even what the dispute was started for. In addition, I was asked to provide information and I did, but the dispute was closed because " they did not receive the documents. '' The dispute number is : XXXX
Product: Credit card

I've attached some documents for your review. I request the bureau to launch an investigation into these accounts, as they incorrectly indicate late payments on my part.
Product: Debt collection

I paid my account and settled in one lump sum payment. The collection company is not willing to delete my account from the bureaus. Other companies either delete after settling in full or at least update you as a paid in full. Other companies Ive dealt with claimed the same thing that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 shall ( i ) 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.

And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is currently reporting on my Equifax credit report as a secured loan. This is not a loan it is an XXXX XXXX ( XXXX ) account. Additionally, this account is showing as delinquent in XXXX, XXXX, and XXXX. However, the annual XXXX fee was paid on XX/XX/2018 in the amount of {$500.00}, which is the due date for the 2018 XXXX. I am not sure where the alleged past due amount ( {$170.00} ) is coming from. The only balance I have with the XXXX is for fines related to a dispute regarding covenant violations. As outlined in the new rules under the National Consumer Assistance Plan, the credit reporting company should not report debts that did not arise from a contract or agreement to pay. That is the case with this account. I have attached supporting evidence to show that the XXXX annual fee has been paid and additional discussion with the XXXX attorney/company disputing the fines.
Product: Debt collection

I was never given a chance to handle this before it was put on my credit file, I was never notified.
Product: Checking or savings account

XXXX XXXX is a XXXX a lying XXXX this bank treats me horibke doesnt address any of my concerns that I have Im unable to open an account and they refuse to tell me why I hate them they give me a hard time both online and in the branch garbage people
Product: Mortgage

In previous CFPB complaints, Ocwen Loan Servicing and their counsel stated ; " unable to respond to your complaint because your complaint involves the same issues raised in pending or prior litigation ''. 
Now, what agency, company or person has a lawsuit against Ocwen Loan Servicing? What is the state that the lawsuit is pending or had prior litigation in? Are the lawsuits that Ocwen and counsel is mentioning, part of a federal lawsuit? What is/are the case numbers to each lawsuit pending and prior litigation against Ocwen Loan Servicing? NOTE : these questions are NOT part of a pending or prior litigation! This means that Ocwen and counsel will be able to answer these questions unless Ocwen Loan Servicing is hiding fraudulent activity as I stated multiple times in the past!
Product: Credit card or prepaid card

XXXX  XXXX XXXX Chase Bank authorized transaction on a business credit card that had been closed for almost a year. Contacted Chase Bank and the issue is hopefully resolved but my faith is low. Only knew about it because my personal email receives the business statements and the account is paperless and has automatic payments setup. 

Today, XXXX/XXXX/2020, I received an email from Chase Bank about a credit card payment due next month. I didn't recognize the last four digits of the credit card, so I called Chase to report fraud. Come to find out that the credit card being charged is my CLOSED business credit card from my CLOSED business and the business checking account to get the credit card is CLOSED. All balances were XXXX. I can not access statements or any information about those accounts from their website. The business checking and credit card were closed at a local Chase Bank branch with the Bank Manager. Chase Bank is the fraudulent entity here. 

Chase Bank authorizes transactions on closed credit cards and the account holder can be blindsided with fraudulent charges, rapidly accruing fees, and poor credit reports. All without the account holder knowing. I only knew because I have the CLOSED credit card statements sent to my personal email. But that account shouldn't exist and should be closed. But it's not. The account holder carries way too much risk here. This loophole that Chase Bank is allowed to exploit can ruin someone without their knowledge. Chase Bank is authorizing charges on closed credit cards.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Experian account was hacked 3 weeks ago. I have lost control of the account due to the hacker changing my email and phone number. I called XX/XX/year> and my issue was escalated with no contact back at all. I called again today and spoke with disputes, fraud, and member services regarding my Experian account being hacked, and XXXX XXXX XXXX  account being opened fraudulently. They were able to unfreeze my credit ( trying to apply for a mortgage ), and suspend ( not cancel ) the XXXX XXXX  account opened fraudulently. I needed my e-mail and phone number changed back as the hacker took control, and all communications are going to him. They sent me in circles though an automated system and the issue is still not fixed and I can not log in. I am also unable to reach a live person 70 % of the time. When asked for a direct contact they said they are unable and I have to go through the automated system, that refuses to give a live operator.