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

I am a XXXX year old woman who is continuously badgered by XXXX XXXX XXXX who refuses to disclose an original debtor and his attached the {$14000.00} lien on my credit. They continue to call me during my work hours while I take XXXX XXXX XXXX XXXX XXXX and threaten me with legal action and arrest. I live in California and have no idea what the debt is in can not unless they properly disclose original signatures original paperwork and all the things that are required by law to show me that I actually owe this debt they claim I owe. Meanwhile I've made several attempts with credit bureaus to remove it and none have been answered properly. No parties in vaults have followed the strict legal guidelines set out by the fcra which I have taken the past year to study and familiarize myself with.
Product: Debt collection

XXXX XXXX XXXX phone collection agency - Sunrise Credit Services. The collection agency has taken over the account and calls and threatens my XXXX XXXX XXXX mother with arrest, jail time, and threatening to sue her. She has XXXX XXXX XXXX and does n't remember much. I have power of attorney over her, and this bill went into collections recently, but I have begun paying on the bill prior to Sunrise Credit Services calling. Apparently they are n't getting as much money as they want or as fast as they like. However, threatening to take someone with XXXX XXXX XXXX to jail over a debt? It takes hours and hours to settle her down after XXXX of these phone calls.
Product: Mortgage

In XX/XX/XXXX, I took out a home equity loan for {$30000.00} with XXXX XXXX XXXX. Since then the loan changed hands about 4 times causing me to lose track of who was handling the loan. I subsequently discontinued payments after loosing my job in XXXX. Fast forward to XX/XX/XXXX when I decided to sell my house and relocate to another state for a fresh start. The title report provided information for XXXX XXXX XXXX XXXX ( XXXX ) where a payoff request was submitted. That request was forwarded to the asset manager for XXXX XXXX XXXX. The asset manager forwarded a payoff to release the lien in the amount of {$91000.00}. I was devastated! The payoff included various charges including the original principal, over {$51000.00} in rate interest, foreclosure fees, and many other charges. While I believe that I owe the original principal amount, I should not have been taken advantage of in this manner. In attempts to negotiate the payoff with the company, they had me submit documents that included the current purchase agreement, tax returns, bank statements, and other personal financial information. The company XXXX XXXX XXXX ) offered on 5 % discounted from the {$91000.00} payoff. I could not believe that this was happening days before settlement of my house of 21 years. I was forced to pay the full amount to avoid a disastrous outcome if I terminated the sale. The additional {$60000.00} snatched from my proceeds, intended to buy a home in a new state, has left me homeless. My original loan was with XXXX XXXX XXXX. The {$91000.00} charged by this XXXX XXXX ( Serviced by FCI ), who just picked up the loan in XXXX, seems predatory and illegal to take advantage of consumers in this manner. I do not know the process of companies selling debt, but it seems the original company would have been compensated when the sold the debt to the others.
Product: Debt collection

When calling the creditor to discuss, I am not getting an answer. I was never reached out to by the bank, nor the creditor about this " charge '' alone, even prior to the account being sent to collections. The account was not an active account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 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 has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cfsi Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX FL XXXX  Cfsi Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX  IN Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these

disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A
) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Cfsi Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Cfsi Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their failure to address and investigate inaccuracies in my credit report, as well as their failure to provide a response to my dispute letter. On XX/XX/2024, I mailed a dispute letter to Experian via USPS certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into several inaccurate items on my credit report. 

The items I disputed include accounts with XXXXXXXX XXXX  ( Account Number : XXXX ), XXXX XXXXXXXX ( Account Numbers : XXXX, XXXX ), and XXXX XXXX ( Account Number : XXXX ). Additionally, I disputed inaccurate and incomplete information related to a public record, specifically : Court Name : XXXX XXXX XXXX XXXX  XXXX Reference Number : XXXX Furthermore, I disputed incorrect personal information listed on my credit report. To assist Experian in verifying my identity and address, I enclosed a copy of my photo ID, social security card, and a recent bill with my current address. 

Despite mailing my dispute letter to Experian via certified mail and providing all necessary documentation to verify my identity and address, I did not receive a response back from Experian with the results of their investigation. It is evident that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies. Experian 's failure to provide a response to my dispute and rectify the inaccuracies on my credit report demonstrates a clear violation of these rights. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into Experian 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold Experian accountable for their failure to investigate and correct the inaccuracies on my credit report, as well as their failure to provide a response to my dispute.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell the 3 credit bureaus that I am a victim of identity theft 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the following duplicate information on my credit file XXXX XXXX  in amount of {$510.00} ; Midland Credit Management is also attempting to collect an outstanding debt for XXXX.
Product: Credit reporting or other personal consumer reports

Upon Checking my credit report, I have concluded that Equifax is still reporting unfactual hard inquiries on my report, I have disputed before the inacuracy of these hard inquiries, they are not mine, and the companies that are reporting them, I have never had any transactions or applied for any credit product with them. What Equifax had suggested in the previous investigation, is totally said without ground, there is no account to report these hard inquiries neither do they match with any closed accounts, these hard inquiries are fraudulent and I solemnly ask CFPB to proceed a investigation onto my request, these hard inquiries are not mine, I have attached an updated FTC report to support my case. The hard inquiries in question are | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report is showing a balance on an account, XXXX XXXX XXXX, that I have paid in full, {$830.00}. I have the original documentation from XXXX XXXX XXXX indicating that the account has a balance of {$0.00} dated XX/XX/2019. I have sent this to Experian, I have talked to a representative at Experian and he had the copy in his hand and stated that during their investigation they didn't get all the information they needed from the lender to change the information on my report so it remains as verified, yet the verification date has not changed? I have disputed this XXXX times already, my account representative at XXXX XXXX XXXX, XXXX XXXX XXXX, would like to be contacted personally by Experian to verify the balance on my account is {$0.00}. 
If I owed a balance of {$830.00} why is my account still in good standing so many months later? The people at Experian must be XXXX  not to understand that my account is paid in full with the document in hand and the account in good standing with no collections.
Product: Debt collection

I never received written noticed of the alleged debt. I would like a Cease and Desist until the debt can be verified. I have attempted to dispute the debt with the company as well as with the bureaus.
Product: Vehicle loan or lease

I have a Final bill for my car loan payment of {$440.00} due XX/XX/year> and I paid that bill on time Santander Consumer USA is saying that I was supposed to pay a balloon payment of {$1000.00} on XX/XX/year> I dont have a balloon payment sent up on my contract. Santander Consumer USA I feel has admitted consumer fraud and then they also reported to the credit bureau that I was late. When, in fact, I wasnt late. I paid what I was supposed to pay on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report. XXXX XXXX {$730.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$400.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$15.00} XXXX  XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX XXXX {$1100.00} DPT ED XXXX XXXX {$4500.00}
Product: Consumer Loan

found out that over the past 2 years literally XXXX payment has had even just a little bit applied to the principle balance. over XXXX paid and only XXXX paid on principle. I currently owe more that i loaned for and more than the car is worth. auto lender- SANTANDER .
Product: Debt collection

I had a collection on my report with Midland funding that was paid in full and Midland funding agreed to delete this from my report. It is still reporting on 1 credit bureau ( XXXX. ) I have continued to contact this company to no avail.
Product: Credit reporting or other personal consumer reports

I have reach out to credit bureau to investigate accurate information on my credit report. Yet they fail to reinvestigate the dispute which is a violation of the fair credit report as per FCRA. They failed to provide adequate written notice to me the consumer of the result. XXXX is wrong for using ineffective system 's, flawed process, and excessive deference to furnish to resolve consumer disputes and failing to adequately inform consumers of the result. Also wrongly selling inaccurate consumer credit scores and credit attribute after it introduced test codes into a production environment in scoring. Model server.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian constantly claims I have had a car loan opened in XX/XX/XXXX. I have never had a loan nor have I ever applied for a car loan. The same inquiry shows a retail store account I opened. Again, i have no retail store credit cards. XXXX  states the following names that I have never used ; XXXX XXXX XXXX XXXX XXXX XXXX. My maiden name is XXXX XXXX XXXX, married XX/XX/XXXX to XXXX XXXX XXXX. AKA ; XXXX XXXX XXXX or XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  situation, Ive paid off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my credit score goes no where, I do a credit inquiry, my score drops XXXX points immediately. You cant win with these people.
Product: Debt collection

XXXX XXXX XXXX put collection on my credit reports without my knowledge and in doing so ; this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If XXXX XXXX XXXX is unable to provide the above  identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.
Product: Payday loan

I received a letter from Worth Finance Corp that included a " check '' for {$800.00}. In reality, this is an offer for an {$800.00} loan with an APR of 91.02 % ( {$370.00} in finance charges ). Is this legal? Should n't the CFPB be shutting down predatory lending of this nature?
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX XXXX {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$29000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to dispute the following item on my credit report : Account Number : XXXX XXXX Creditor : XXXX Balance : {$700.00} XXXX sent a debt validation letter to XXXX on XX/XX/year> via certified mail ( XXXX ). In this letter, I requested proof of the debt they claim I owe. As of today, XX/XX/year>, I have not received a response. 

The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to validate debts when requested. Since XXXX has failed to do so, I am requesting that this item be removed from my credit report immediately.
Product: Checking or savings account

Hi, I got letter from Chase on XX/XX/XXXX that they decided to end their relationship with me and they are shutting down my account on XX/XX/XXXX. I tried calling them and they don't want to do anything about it. I opened this account for my sons XXXX XXXX money and we had it since then. My son is now XXXX years old and I don't understand why Chase would shut down this savings account and why they refuse to talk to me about it to get it re-opened.
Product: Credit reporting or other personal consumer reports

i brought this issue to experian numerous times. I want to delete my old credit acceptance account it was deleted at one point and then reinstated. that it a violation of the fcra and consumer laws.the accuracy of my reports are not update.
Product: Money transfer, virtual currency, or money service

Concerning this article : XXXX XXXX XXXX I am not able to access my Binance.US account and the funds within, as they are requiring me to retroactively agree to giving them and their third party affiliates my facial biometric data and Drivers License. I do not agree that I should be made to agree to something they have already done in order to access funds and tax forms. I have provided a screenshot with the notice I receive upon logging in, and here is a link to a XXXX post about this issue and some candid discussion surrounding it : XXXX  XXXX XXXX? XXXX XXXX XXXX XXXX XXXX Binance.US is breaking the law with this.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has sent me a bill for {$210.00}. I am disputing this debt with the original creditor. I request that this company do not contact me anymore. This debt is not mines and I don't owe any balance.