23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We purchased our home on XXXX XXXX yet there was nothing in the system of the Veterans Administration until XX/XX/XXXX. Therefore 2 years of payment was never accounted as paid.the last assignment documentation was never recorded in The Superior Court of XXXX County.A copy of any Assignment Assumption Agreements concerning the securitization process of my loan What is the Chain of the Securitization on my loan? Who are the Trustee/s of loan and or Trustee of my Deed and Trust from the life of the loan? 
Has my loan ever been through Bifurcation at any time for the life of the loan? 
When the loans are securitized, they are sold on XXXX XXXX, and are bifurcated. The note is destroyed because it can not exist both as a stock and a note, so the mortgage is unsecured. Our house can not be security for an unsecured loan. Unless the bank is holding the mortgage as a portfolio loan, it's been securitized. This is what we have been saying from day 1 in ignorance of this wild scheme of a game. By using MERS they have split the Note and Mortgage= Bifurcate. 
BOFA MERRILL LYNCH ASSET AND HOLDING DECLARED TO BE THE OWNER THEREFORE WHO OWNS THE DEED OR nOTE OF TRUST
Product: Credit reporting or other personal consumer reports

Discovering that I've been a victim of identity theft has been deeply upsetting. Someone used my personal information without permission, opening accounts and conducting activities that I had no part in, all of which appeared on my credit report. Realizing how serious the situation was, I acted immediately. I reached out to TransUnion, and they advised me to report the incident to the Federal Trade Commission ( FTC ), which I did right away. Despite all these steps, the false entries are still on my report, leaving me frustrated and worried about the potential damage to my credit and overall financial health.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to WELLS FARGO. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the fraudulent accounts. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit card or prepaid card

Cruise booked for XX/XX/2020 cruise was cancelled thefore we apply for a refund and we got it from cruise co. A credit was issue to our credit card but when took out money total for refund wasover XXXX dollars when we took out XXXX a fee of XXXX was charge to us<is n't that a little too much to charge me for taking my own money???? 
Bank of America account last 4 numbers XXXX
Product: Debt collection

On XX/XX/2019 at XXXX XXXX PST XXXX made initial contact with me on my cellular telephone number XXXX by XXXX who was attempting to collect on a Synchrony Bank Debt ( Acct. ending in XXXX ) in the amount of {$1500.00}. The phone call came from Telephone number XXXX. 

Violation 1 - On phone call XXXX did not disclose the call was being recorded at the onset of the phone call, but instead was well after the call started. This is a violation of Cal PenalCode 631-636. 

On XX/XX/2019 at XXXX XXXX PST XXXX from XXXX contacted me on my cellular telephone number mentioned above from XXXX. 

Violation 2 - I had previously asked on XX/XX/2019 to be contacted in writing only. This is violation of revocation of consent to be contacted by telephone under The Fair Debt Collections Practices Act And The California Fair Debt Collections Practices Act RFDCPA I do not know why this company insists on recording me without giving proper disclosures and why they continue to contact me after I have asked them not to. This is causing me a lot of stress and anxiety!! I do no know why I must spend so many countless hours trying to fix this companys mistakes. I am now represented by an attorney, but no lawsuits have been filed. I expect XXXX to reach out right away to my attorney XXXX XXXX to discuss the matter only. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED A FRAUDULENT ACCOUNT THAT IS NOT MINE, AS MY INFORMATION WAS EXPOSED IN A DATA BREACH. THESE ACCOUNTS ARE HINDERING MY ABILITY TO BUILD AND OBTAIN CREDIT, THE COLLECTION ACENCY ( XXXXXXXX XXXX XXXX XXXX XXXX AND THE ORIGINAL CREDITOR ( XXXX XXXX XXXX XXXX XXXX XXXX HAVE NO PHYSICAL OR VISUAL EVIDENCE PROVING IT'S MY ACCOUNT. I HAVE EVIDENCE OF ME BEING A VICTIM OF FRAUD FROM MY BANK ACCOUNTS AS WELL AS OTHER AREAS OF MY PERSONAL AND FINANCIAL LIFE, I HAVE NOT GIVEN ANY PARTY IN THIS WHOLE SITUATION CONSENT TO ADD THIS FRAUDULENT ACCOUNT ( THAT DOES NOT BELONG TO ME ) TO MY CONSUMER REPORT OR MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute request to Transunion XX/XX/2022. I then received a letter dated XXXX XXXX, stating the would not process my dispute because it " didn't appear '' that I sent it in or a properly authorized party sent it. I sent the letter along with my Driver 's License, identifying who I was, in addition to a picture of my actual social number as an added layer of protection. This is definitely a stall tactic and as per the FCRA, Section XXXX ( a ) ( XXXX ), the company has 30 days to investigate. The company has no control over me should I want to hire a credit XXXX to find the blatant fraudulent attempts they are responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inquiries from XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX As hard inquiries on my credit report that I have no knowledge of as well as XXXX XXXX inquiries from XX/XX/XXXX and XX/XX/XXXX 2020
Product: Credit reporting

Experian did not provide VALIDATION AND PROOF of late payments, which is requested. Please have them validate late payments displayed on my credit report for accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I bought a TV for under {$3000.00} and in XX/XX/2022 Best Buy Citibank charged over {$1400.00} in interest. I made an automatic payment to their website throughout and after my purchase. 

This was supposed to be no interest for 24 months. I am being charged over 50 % in interest and have no explanation from the company. I am disputing and reporting this unethical business from Citibank XXXX. I am not the only consumer being overcharged. Deceptive promotion over 24 months of no interest ever specifies an outrageous claim. I have no idea how this was calculated and was not aware that I will be charged this higher from no-interest financing. I would of used a different credit card had I known this.
Product: Debt collection

Convergent has re aged and reinserted the alleged debt from XXXX on my Credit Reports. They are listing this account as having activity in XX/XX/XXXX which is incorrect and a violation of the law. 

These trade lines were removed as a result of a dispute by me in XX/XX/XXXX. 

This reinsertion came with no notification in writing to me. I noticed when I pulled my reports.
Product: Credit card or prepaid card

I opened up a discover card and was told I would have 24 years interest free, today I called and spoke to XXXX ( XXXX ) in XXXX, Arizona. I told her I spoke with a man back in XX/XX/XXXX she informed me his ID was XXXX and I told her I called him when I was at the XXXX store in XXXX XXXX, Florida he raised my limit and said have fun spending its interest free, I double checked with him. Now they are billing me for the year XX/XX/XXXX and refuse to fix the issue. Please let me know what I can do? 
Thank you XXXX XXXX XXXX
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 damaging my creditworthiness. 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 an XXXX & XXXX 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 ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) 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 XXXXXXXX  these companies should NOT be furnishing peoples information to XXXX party companies so this is XXXX, neglect, and XXXX. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be sued for these damages. This is negatively affecting 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 arent removed immediately
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Vehicle loan or lease

DATE : XX/XX/2017 Amount : {$10000.00} Sitauation : Sister searching for used car, loan was supposed to be {$9000.00} total, but due to aggressive sales tactics, my Mother and Sister agreed to have the warranty put onto the loan, which I would have avised against. 

Approximately 2 weeks after buying the car, my Mother and Sister read an article about the car they had just purchased, a XXXX, was having a recall due to frequent transmission failures on the vehicle. My Sister then tried to use the warranty she had purchased to return the car free of charge to be given a replacement transmission. This request was denied. 

Issue 1 : XXXX XXXX XXXX knowingly sold a car currently under recall to consumers, and sold a faulty warranty to these consumers, offering no protection. 

Issue 2 : XXXX XXXX XXXX ( XXXX, IN ) requested auto loans to 6 different credit agencies, causing 6 different credit checks to be place on my sister 's and my credit reports. Acourding to XXXX my credit dropped 45 points because of the incident. If I, the cosigner, would have known 6 hits on my credit were to happen, I would have applied for the loan myself in my own name at my own bank. This is careless, and quite frankly, willingly ignorant for a company to take this action.
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, DEPTEDXXXX  XXXX # XXXX DEPTEDXXXX  XXXX # XXXX DEPTEDXXXX 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 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Consumer Loan

I was in the process of trying to purchase another vehicle because the vehicle that I have cost to much and i have had it for 2 years. The amount has not went down. It is still the original amount XXXX and that is the pay off. I ask them what have we been paying on and they have me excuses. I ask for management and they still have to talk to customer service. The vehicle is a XXXX XXXX XXXX. My credit report has been sent to several lender and including Santander with reference number XXXX. I bought the car XXXX XXXX and I was told that we trade it within two years with no problem. Now I having problems Santander will not finance me and they pulled my credit report twice and still the same denial. I do not know what is going on the business practice but my payments have not went down. There is some discrimination going on with business practice and it strange that response is the same on the credit application.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Experian, XXXX, XXXX XXXX XXXX, am writing to dispute claims that are falsely listed on my consumer report. The following accounts are fraudulent, and I have NO KNOWLEDGE of them. I am requesting that these items be removed from my report immediately. The details of the accounts in question are as follows : XXXX. XXXX XXXX Account Number : XXXX Reported Balance : {$220.00} Reported Status : Open, {$220.00} past due as of XX/XX/year> Dispute : I have never opened or had any association with this account. It is fraudulent, and I am requesting that it be removed from my credit report immediately. Attached is supporting evidence, including a police report and FTC Identity Theft Report. 
XXXX. Extra Account Number : XXXX Reported Balance : {$0.00} ( Closed due to inactivity ) Dispute : I have no knowledge of this account and have never conducted business with this company. The account is fraudulent, and I am requesting that it be removed from my credit report immediately. Supporting documents are attached. 
XXXX. XXXX XXXX Account Number : XXXX Reported Balance : {$9800.00} ( charged off, past due ) Dispute : This account is unfamiliar to me. I have never taken out a loan with this company or authorized this debt. I request that this fraudulent account be removed from my credit report immediately. Evidence is attached. 

I am providing a copy of my police report and FTC Identity Theft Report as additional proof to support my claim. Please remove these items from my consumer report promptly. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting

Trans Union is claiming they verified the accounts on my report, I believe they were not reported on properly. I believe several reports are violating my rights.
Product: Student loan

I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Product: Debt collection

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple accounts on my credit report that I dont recognize
Product: Credit reporting or other personal consumer reports

Today is XX/XX/XXXX. I'm following up about my credit report. 
On XX/XX/XXXX I was checking my credit report. I noticed unrecognized collections on my credit report from ; XXXX ) XXXX XXXX, XXXX XXXX, XXXX ) XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, and XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX about a High Credit balance of XXXX. I have no business with XXXX. XXXX, XXXX My original creditor is : XXXX XXXX XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX XXXX. My original creditor is : XXXX. I never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXXXXXX XXXX XXXXXXXXI never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

The list of accounts above are unrecognized and, in violation of my consumer rights to privacy and confidentiality.In accordance to fair credit reporting 15 U.S.C 1681 Section 602 A I have the right to privacy and information submitted must be accurate. 15 U.S.C 1681 section 604 A section 2 : Consumer reporting agency can not furnish a account with my written instruction or permission.

15 USC states informaction reported must be accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a positive account in exceptional standing only because I thought once I closed it, it would be removed from my credit report. I did not know that closed accounts couldn't be removed from my credit report. Experian incorrectly disputed the actual validity of the account itself, and when the status of the dispute didn't change, they lowered my credit score 4 points, as if this was a negative account, and it is a positive account so my credit score shouldn't have been lowered just because the status of the dispute is that it remains unchanged and is still listed on my credit report. Therefore I want to file a complaint about Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a mortgage and received a credit score information disclosure from my lender. According to the disclosure, the Equifax score was calculated using the " EQUIFAX/XXXX XXXXXXXX XXXX '' model. Equifax assigned me a score of XXXX ( on a scale of 334 - 818 ) and listed as one of the " Key Factors effecting the score '' the alleged presence of " TOO MANY CONSUMER FINANCE ACCOUNTS '' on my report. I have been in the market searching for a home for almost a year, and given the extended search period my lender has had to run my credit more than once. This is therefore at least the second time I've received a credit score information disclosure from my lender that references the same negative factor being reported by Equifax. No other credit bureau makes reference to any such factor. 

I have reached out to Equifax more than once in an effort to get an explanation for the aforementioned negative factor, as Equifax is clearly reporting it to creditors and citing it as something that is impacting my score ; however, Equifax has been unable to give me any answers. In response to my last request for information Equifax 's customer service department simply told me that there are no negative marks on my report, and the company sent me a copy of my credit report. But I had already retrieved a copy of my Equifax credit report beforehand, so I was well aware that there was nothing negative on it. What I did/do not understand is why Equifax continues to flag this alleged negative factor for creditors. To my knowledge, there are no " consumer finance accounts '' on my credit report. The risk factor cited by Equifax therefore does not exist and should not appear on any report issued to creditors. 

Unless Equifax can prove otherwise, the company may well be in violation of the FCRA. I am reporting this incident to the CFPB given that my attempts to resolve the issue with Equifax have failed.