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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX/XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX. has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Repeated phone calls, ROBO calls usually XXXX times a day from SouthWestCredit using numerous different area codes and phone numbers to make the calls. This has been happening for 6 months after I explained to them they have the wrong individual. They are looking for an individual with a completely different First and Last name and address. I have had the same phone number for 7 years with no previous ROBO call problems.
Product: Credit reporting or other personal consumer reports

Company LVNV Funding LLC reports a XXXX XXXX XXXX account open on XX/XX/2023 that I didn't open.
Product: Checking or savings account

On XX/XX/XXXX, I filed an unauthorized dispute for the merchant XXXX XXXX. USAA issued a credit to my account THEN allowed the merchant to debit my other account with USAA without my authorization. I believe the XXXX  Unit of USAA offset my other account as I never provided the merchant with the account numbers associated with my main account. 

I know in the past USAA has been fined by the CFPB and OCC due to their failure to protect consumers in the past. When I contacted USAA, they provided me the disclosure for debt collection as these transactions overdrew my account. USAA has failed to protect consumers in the past and failed to protect this consumer in the present. After being advised that this account could go into collections or other derogatory actions, I requested USAA to transfer the funds from my checking to my savings to bring the balance to XXXX  and have the account closed. I had no other option, they failed to protect me as a consumer. I had over XXXX  on the date of my call ; why would I want to pay OD fees for transactions of {$24.00} and {$26.00}? I think there was a mistake by USAA regarding my XXXX XXXX, but I will file a separate complaint regarding XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As i look through my consumer profile I see that this company I.C. System, INC, account # XXXX is reporting a collection on my account. With a balance of {$1400.00}, balance updated XX/XX/. I have never did any business with this company and I have previously filed a CFPB complaint to have this removed off my consumer profile. I have now filed and identity theft report because this is fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX
Product: Credit card or prepaid card

WE paid our account in full on XX/XX/2017. in XXXX I received an e-mail saying I a late payment. I called and they said I had signed up for paperless statement, which we did not. They could not produce a document where I said I wanted that. When they sent me a copy of my bills for XXXX and XXXX, I saw charges for XXXX dollars on the XXXX bill which I did not charge and an interest charge of {$7.00}. on the XXXX XXXX I was charged the {$19.00} and a fee of XXXX making a total of XXXX then I called this A.M and they said I owed XXXX which is more interest. I told them I would pay the XXXX just to get rid of the hassle and they said they could not delete the rest of that interest. I want them to go back and refund me that interest and fees that I do to owe.
Product: Checking or savings account

Sent to XXXX XXXX XX/XX/XXXX I pray this message finds you well. I had an encounter with the Bank of America in XXXX of XXXX that derailed me and my business and I need to address it so we can come to a resolution. I was a small business client with the bank. At the time, I received a payment from a client who was not authorized to pay from the account used. I received the payment and used it to make purchases on behalf of the client. When the authorized user of the account reported their funds were used without their knowledge or consent, the bank charged back the funds from my account. I, at the time unaware of what happened, wasnt even given the chance to issue a refund. When this happened the bank made the business decision to close my account. When I asked to recall the funds from the payment I sent out, in order to recover my funds, I was told that there was an ongoing investigation into the account and that I couldnt recall anything until it was complete. I was told would be notified when it was done. I never received any correspondence about the situation until I finally decided to reach back out to the bank about 8 months later. In those months, still believing that my account was under investigation, I ceased my business activity awaiting feedback from the bank. When I reached back out I found out that the investigation was ended within a week of when it began. I was told that the 60 day recall period had lapsed and that I was no longer able to receive the funds I sent. I lost this money based on the negligence of the BOA and I was unable to recover the funds from the supplier who I am to this day unable to reach. I am currently looking to sue the bank for the payment ( XXXX ) as well as for the money that I should have made in the last almost two years ( minimum XXXX per month ). I was advised to send in this formal complaint before reporting to the cfpb and occ and suing the bank to offer the opportunity for the bank to settle out of court. I can be reached at this email address as well as by phone at XXXX. 

I look forward to hearing back from you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I found out that XXXX XXXX XXXX XXXX issued a {$30000.00} credit card or a loan in XXXX of XXXX to someone who might have committed an identity theft. I filed a dispute with XXXX, Experian, and XXXX and all three of them didnt find anything wrong with the information provided by XXXX XXXX XXXX XXXX XXXX From the information reported, I can assure that the address and the telephone number of the individual who took the money do not match mine. I never applied for that line of credit.
Product: Credit reporting or other personal consumer reports

I am currently going through a tough time and having these unverified accounts are not helping either. It's robbing me off of my opportunity to get another loan.
Product: Debt collection

I have been monitoring my credit reports for the past three months, and over that last few days, a new collection account from Diversified Consultants in the amount of {$330.00} has shown up on my credit reports, drastically dropping my credit score. I have never received any communication from this company -- no mail, no phone calls, nothing, so I am completely unaware of this debt and had no prior knowledge of it. I would like this account removed from all three credit reports ASAP as this information has caused my mortgage application to be declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX account # XXXX Account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX has violated my rights. 


XXXX XXXX XXXX Account # XXXX has violated my rights.

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

15 U, S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Our " bridge loan '' Conventional mortgage loan was transferred to Freedom Mortgage effective XX/XX/XXXX from our originating mortgage lender. We communicated with Freedom early on and told them we would be making our first payments at some point during the 60 day RESPA period, once we closed on the sale of our old home. They agreed that, during that period, we would not be assessed any penalties or late fees, and there would be no adverse credit reporting. They abided by those rules. Once our old home 's sale closed on XX/XX/XXXX, we quickly arranged to make a large payment, which we did effective XX/XX/XXXX, catching us up on interest due and reducing principal by a large amount, Now, despite bringing the loan balance down to a 15 % LTV ratio, having excellent credit, a 45 year history of home ownership and handling taxes and insurance on our own, Freedom Mortgage refuses to remove the requirement for an escrow account. I would add that our home insurance is completely paid up at this point through XX/XX/XXXX, and our first half property taxes have been paid.
Product: Credit card or prepaid card

In XXXX of XXXX, credit cards were opened in my name with Shell Oil and Best Buy. A additional phone and a PC was added to my XXXX account. The PC charge was {$1900.00}. An application for unemployment was made with my personal information to the state of Ohio in XX/XX/XXXX. My name and personal information, including my SSN, has appeared on the " dark web ''. 
We discovered this fraudulent activity on XXXX XXXX, a monitoring services for those of us who were affected by the hack of OPM. The unemployment claim was discovered when I received a letter from Ohio ODJFS asking for more information regarding my unemployment claim.
Product: Vehicle loan or lease

I was given false and deceptive information. ( violation of 1692e ) As I was told that a down payment of {$6000.00} was needed in order to drive off of the lot ( pursuant to 15 usc 1605a. ) a finance is a sum of all charges.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I DISCOVERED ON MY CREDIT REPORT THAT THERE WAS A COLLECTION ENTRY FOR COLLECTIONS FOR I GUESS INSURANCE FROM XXXX XXXX. I HAVE INSURANCE FOR THE PAST 4 YEARS FOR MY AUTO AND HOME AS WELL AS LIFE INSURANCE THRU XXXX XXXX. I CONTACTED XXXX XXXX AND THE COLLECTION AGENCY TRYING TO GET THIS REMOVED FROM MY CREDIT REPORT BUT TO NO AVAIL NOTHING HAS HAPPENED ALL THEY WANT ME TO DO IS PAY THEM THE MONEY. THIS NEEDS TO BE REMOVED IMMEDIATELY AS THIS WAS NOT APPROVED BY ME. I DID NOT AUTHORIZE THIS INSURANCE COMPANY TO INSURE VEHICLES THAT ALREADY HAVE INSURANCE ON IT. THIS IS FRAUDULENT. I HAVE ATTACHED A POLICE REPORT AND FTC AFFIDAVIT
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps posting Innacurrate employer on credit report. I do not work for XXXX XXXX, I work at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( XXXX {$11000.00} ) and the other ( XXXX XXXX {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.
Product: Debt collection

Despite my repeated attempts to seek validation of this debt, your organization has failed to provide any satisfactory response. What is particularly distressing is that, upon reviewing my credit report, I discovered that this account is erroneously marked as a charged-off account with an outstanding balance. This misinformation is damaging to my financial standing and creditworthiness. I demand immediate action on your part to rectify this situation. Provide concrete evidence of the alleged charge-off and update the balance to {$0.00}, or alternatively, delete the negative payment status associated with this account. Failure to comply with this demand will not be tolerated. Account : XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Student loan

Since XXXX my taxes were taken or withheld because of a student loan i didn't take out. I never recieved a letter or notification about this loan until after it was deducted from my taxes. However the loans that i did have were being paid off and as of XXXX were paid off completely. I have documenta for proof. I tried contacting collectors and they kept asking for my social security number. Then said they didnt see a loan on my account then proceed to put me on hold. And eventually hung up on me. This was in maybe the beginning of XXXX. I called again asking them to send me information about this loan and they refused unless i gave them my ssn. Since then i havent recieved a notice from the collect but still the next year my taxes were taken or withheld again. This is a fraudulent loan that i need to get rid of. Thanks
Product: Debt collection

I am not liable for this debt of {$1100.00} with Holloway Credit Solutions. Holloway Credit Solutions account number is unknown. **** I do not have a contract with Holloway Credit Solutions. They did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Mortgage

My Chapter XXXX bankruptcy was discharged and my mortgage account was closed. However, I did not pay late and I have been paying it on time. Wells Fargo has not update my account even though they sent me a notification on XX/XX/2016 that a change will be made. I am just asking to report my payments. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX : XX/XX/year> | XXXX : XXXX RE : Trafficking Block Request Dear Sir or Madam : This my second time contacting you about me being a victim of XXXX  XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
Item ( s ) resulting from trafficking that should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity
Product: Credit reporting or other personal consumer reports

This account has been on credit report and I'm trying to apply for a loan, I have been XXXX since 2017 and wasn't able to pay this account in a timely manner but when I started receiving my XXXX benefits I paid off the account so I kindly ask that this account be removed from my credit please, I already contacted the credit bureaus and they said I need to contact the lender to remove it Account # XXXX
Product: Credit reporting or other personal consumer reports

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiry ( Under the Fair Credit Reporting Act ) Dear Equifax, I am writing to formally dispute hard inquiries on my credit report that I believe was made in error or without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these inquiries. 

The inquiry in question is listed on my credit report as follows : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX did not authorize these inquiries and have not applied for credit with this creditor. As per the FCRA, you are required to ensure that all information on my credit report is accurate and verifiable. Because I did not give permission for these inquiries, it is inaccurate and should be removed from my report. 

I respectfully request that you investigate an remove these inquiries and, if no authorization can be proven, remove it from my credit report immediately. I would appreciate your confirmation of the removal as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed online and Ive sent letters to Equifax, XXXX, and XXXX on XX/XX/2022 concerning all of the inaccuracies and inconsistencies on my report. Its been well over 30 days I still have not received a response. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy XXXX XXXX # XXXX, Bankruptcy XXXX XXXX : # XXXX, XXXX XXXX : # XXXX ( XXXX ), XXXX loan XXXX # XXXX, US Dept . of Education, XXXX XXXX XXXX XXXX # XXXX ( XXXX ), # XXXX, XXXX XXXX # XXXX, 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. 

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 an 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 7 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: Mortgage

Caliber Home Loans makes it nearly impossible to send them a simple email for correspondence. Not to mention, their phone tree is compromised & put me in circles over where I can send my homestead exemption paperwork to XXXX so that my taxes are discounted this year ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 lease use car from. Auto buy credit use car lot. The car was given back due to problems with the warranty company was not willing fix thevtransmission the bal i owe XXXX. They are add crazy fees too the finial bill. Iam looking to get this account close if possible. 
Taken off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following items for more than a year now with Zero results from the three credit reporting bureaus expect for Equifax. Equifax has updated and conducted investigations which they have already updated. Unfortunately XXXX and XXXX have fallen behind in even sending out any investigation results. 
I am listing the Inaccurately Reported Personal Information below needing to be immediately Removed & Deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX