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

I am attempting specific financial transactions, but illegally reported information and identity theft is preventing that from moving forward. Illegal activity of credit reporting agencies damages my character and livelihood. I have discovered numerous agencies used my social security number and other information for fraudulent purposes for an unknown amount of time. Credit agencies listed inaccurate information on my credit report, per 15 USC 1681, et seq. Because of that fact, I DO NOT BELIEVE CREDIT AGENCIES PERFORMED AN ACCURATE INVESTIGATION. Mismatched data supplied to all three credit bureaus is negative and inaccurate. Agencies failure to investigate properly is an intentional and / or negligent FCRA violation. 
Agencies have willfully failed to delete my disputed information. Said information is not valid proof for a reasonable determination which complies with the FCRA. Alleged debts herein were written off from a 1099 C ( 26 U.S.C. 6050 ( P ), the purchaser and original creditor accepted the dispute, and no proof of an accurate investigation was provided. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies. Also, 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, it is a violation of privacy. Per US CODE 15 U.S.C. 1681 B 2 ( a ) no entity can list information in my consumer report without my written permission. Per U.S. CODE 1028 ( a ) information furnished without my written permission is identity theft. 
Isnt it true HJR-192 prohibits payment of debt and substitutes evidence of discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the US Constitution? There is nothing for this Article to operate on, just as there is nothing for Common Law to operate on. Perpetual debt, bills, notes, cheques, and credits fall within a different authority than contemplated by Article I, Section 10, Clause 1 -- and that authority belongs exclusively to the Law of Admiralty and Maritime. Obviously, if we can not pay our debts at law, we are also benefiting from limited liability under the Limited Liability Act when we use this credit -- and that is marine insurance.
Product: Credit card

On or about XX/XX/year> XXXX XXXX XXXX informed me via telephone that XXXX XXXX in Florida named me as co signer on a credit card app. I said I had not authorized such action and to deny the request. 
On XX/XX/year> XXXX  XXXX XXXX informed me via telephone that someone in Florida attempted to use me as a co signer. I did not agree and told them so. 
At the advice of my bank mgr. I closed all three credit reports. 
On XX/XX/year> I received a third call, this time DISCOVER BANK to ask if I had authorized XXXX and XXXX XXXX to use me as a cosigner on a Discover loan. I denied that request. 
All three calls came from a young female XXXX with a thick accent. They all offered to transfer me to the " XXXX XXXX XXXX. ''
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted complaint to Transunion LLC. to remove unauthorized inquiry on XX/XX/2023 ( CFPB # XXXX ). 

Due to request being > 1 month old, legal process to remove the information has begun. 

Third parties involved : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX in XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Mortgage with XXXX XXXX  XXXX, owned by XXXX XXXX XXXX and fell behind due to Covid-19s causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Interest Rate and a Longer Term offered by Mtg Co to Make more Money off me and maybe think they can get my House if I fail to make the Payments in the Future in Lieu of Foreclosure after 10 Plus Years, I was helped by a Family Member and Ended the Repayment plan after XXXX Payments on XX/XX/21 and brought Acct Current as of said date, as of today XXXX  has Reported to the Credit Bureaus that my Last Payment was on XXXX/XXXX/21, continuing to Report my Now Invalid and not in Effect Higher Repayment Mtg Payment Amount of {$1300.00} instead of {$810.00}, also the {$3800.00} Payment I made on XX/XX/21 is Reporting as an Increase in my Mtg Balance instead of a Decrease even though on their Website the Info is Accurately Displayed and Current. 
This action has caused my Credit Score to Drop 47 Points making it Extremely Difficult for me to XXXX XXXX XXXX and Cut Ties with this Co, as it seems they are making it very difficult for me to leave, I think the XXXX Co is trying to get back at me and Sabotage my Credit Reporting for their Predatory Behavior I outlined in my earlier Complaint Filing # XXXX Submitted on XXXX/XXXX/21. 
I would sincerely appreciate if someone could take a look at this Co XXXX XXXX Practices towards their Customers, the XXXX. 
I am even thinking of reporting this matter to the XXXX XXXX XXXX and The NY XXXX. 
This action taken by the XXXX Co and XXXX XXXX has affected me both Psychologically and Financially Extremely. 
Thanking you in advance.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX SOFI Lending Corp XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX New York, XXXX XXXX SSN : XXXX The IRS clearly states that lenders or creditors are required to issue Form 1099-C, Cancellation of Debt, if they cancel a debt owed to them of {$600.00} or more. 

So I am asking that you remove the following account from my credit reports : SOFI LENDING CORP Account # XXXX I needed to have an unplanned XXXX that has kept me from working for the past 12 months. I am asking that I be able to claim this charged-off debt of {$5400.00} as income for my XXXX personal tax returns. 


Thank You for your prompt attention and I look forward to doing business with SoFi in the future Regards, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Student loan

I work for XXXX XXXX as a XXXX XXXX. I have been employed there for 13 years. I have been paying on a XXXX degree for 5 years. I received information through a work email that I may qualify for a loan forgiveness program through the Federal government. I applied and was accepted. Before my first payment was due I received another email that stated I applied for the wrong program and to reapply for one based on income. I did so and was accepted. I only had a small payment due on the original transfer as the whole payment had not been figured out yet. My first payment through the University of XXXX  ( Fedloan.gov ) site was {$340.00}. I immediately called the company and spoke to customer service and told them that my original payments were only {$310.00} prior to any transfers at 6.8 % interest why did my " loan forgiveness '' payments go up? I was told that my problem would be referred to their account problem department. I never received any correspondence. The next month my payment remained at {$340.00}. I called again and was told that they do see my prior request and would request again. Now my 3rd payment is still {$340.00}. I emailed The University of XXXX  complaint department personally 3 weeks ago with no response. I sent a second email one week ago stating my dismay and fear that this company is fraudulent. I still have no response. I also have complained at the first three requests that I also have never received any disclosure paperwork.
Product: Vehicle loan or lease

mishandling of this account by Chase auto and XXXX.
Product: Checking or savings account

Hello I am following up on case XXXX. 
CHASE has not reimbursed me for the fraudulent check they accepted to pay and I have still not recovered my {$30000.00} All this is Chase fault, they paid the same check twice.

Basically, anyone who creates a company with the same name of a company already existing and gets hold of a check already filled and signed and deposit to his bank will get paid even if the check was already paid 4 montsh prior? How can we trust such the banking system and such an institution if they fail to protect against very simple fraud like this??

Chase claims they are pending the response of the other bank involved but that is not answer as they went ahead and paid the same check a second time.
Product: Checking or savings account

On  XXXX   XXXX ,   XXXX   I made two deposits to my business checking account at Bank of America  in   XXXX  Wa (  XXXX   XXXX   XXXX   XXXX   XXXX  Wa  XXXX   ) . Per usual, I was given a receipt for the deposits.     When reconciling my accountants later I noticed that   one deposit cleared but the deposit second deposit for {$11000.00} did not clear.
The next day I went into that same branch. The manager looked up the deposit. He verified that it was received and could track it several points in there system in that branch. He said he would send the information on to his " back office '' and they would work on it. I asked that they call me to update me daily. I did get one call a few days later to say they still had not found the   deposit. On  XXXX   XXXX , I did get a call back from an individual from Bank of America. She told me she worked hard on the issue for half of a day but could not find the deposit. I asked for them to credit my account and she told me that would not happen.     I have called and spoken with several people at Bank of America and still do not have the funds in my accoun t. Two differ ent individuals told me there was nothing they could do. They had no response when I stated the facts- I gave them the deposit, they gave me a receipt, they appear to have lost it on their watch- it should not be my problem.     I have called again today,  XXXX   XXXX , there is still no progress on the issue and I am still missing the {$11000.00} that I deposited.
Product: Debt collection

This account was fraudulently used in my name. I contacted XXXX XXXX multiple times to inform them I was not responsible for the charges but they never removed the false charges and late fees kept rising. The account was then showing closed through the credit bureau and discharged but now is showing to be reopened. I am not responsible for these charges Since I did not create them. The account was closed on XXXX XXXX XXXX. It is now showing re opened on XXXX XXXX XXXX. The amount is {$1800.00}. The debt collector is XXXX. The original creditor is XXXX XXXX.
Product: Debt collection

IN XXXX XXXX showed a debt for City of XXXX XXXX XXXX in the amount of {$9500.00}. I contacted the hospital and was advised that no debt was showing owed and it was removed. Unfortunately, when this showed up again on my credit report ( under under the debt collector CMRE ), I contacted the hospital and they were unable to locate my account by name, social or address so I contacted CMRE and t/c w/XXXX-Rep # XXXX on XXXX, I advised her that I had XXXX at that time and she advised to Fax XXXX Doc to # XXXX w/acct XXXX XXXX XXXX This task was complete same day. On XXXX I called CMRE to get an update and the first rep took my name, verified my account and then disconnected the call. I called back and spoke with a rep named XXXX and she stated that XXXX XXXX XXXX denied the claim. I stated that I didn't have united health care at the time and my XXXX document was faxed over on XX/XX/XXXX. As I tried to explain the history of this account, I was told by XXXX in a rude manner that I " needed to allow her to speak ''. She was beyond rude beyond words as if I was an inconvenience. She said that the XXXX document was not located and to resend it again. This time I was told to e-fax the XXXX document to XXXX and I did this same day. On XXXX I called XXXX again to get an update, this time I spoke with a rep named XXXX and was told that my fax was uploaded on XX/XX/XXXX and no action has been taken. She stated that the document was " locked ' and she was unable to review it but according to the notes NO action has been taken nor has my account been reviewed. I have done everything this company has asked of me and when I try to get an update, I am either disconnected, treated in a rude manner and no one will help remove this from my credit account nor take any account to file a claim with my insurance that I had at the time which was XXXX. I'm asking for assistance as this has been on-going since XXXX and CMRE as a company is non-responsive and their customer service team members are rude and abrasive.
Product: Checking or savings account

Dear CFPB, I received a letter from Ally Bank on XX/XX/2022, dated XX/XX/2022, with the subject " Advanced Notice of Account Closure, '' stating that " We'll close your accounts on or about XX/XX/2022. '' The letter did not state a reason for the closure. 

I called Ally and spoke to an employee and a supervisor, and neither one gave me any information as to the reason for the account closure. 

They stated they had the legal right to do so under the Deposit Agreement, but it is unacceptable to put consumers at financial risk by suddenly disrupting their finances for no apparent reason. 

I request closer scrutiny and oversight of this institution and their business practices to ensure they are following all applicable laws and rules. 

Thank you.
Product: Money transfer, virtual currency, or money service

I purchased a XXXX XXXX XXXX from XXXX with a promissory not that was good as cash solidifying the purchase of the vehicle. Bridge crest then purchased my information from XXXX XXXX  which was then considered an asset from me the consumer and natural person. I received no value for my promissory note that the bank has the liability to give the asset back to me which I haven't received. The agreement the bank purchased was a retail installment " credit sale '' contract and in fact not a auto loan but the bank allege I was given a loan, but pursuant to 12 usc 1431 banks can only borrow money. The bank used false and misleading representations to collect on an alleged debt violating the fair debt collections practices act, the truth in lending act, and breach of contract by selling my note and personal information to XXXX XXXX XXXX without my consent. Im aware that after this account was reported as charged off, I the consumer was supposed to receive a XXXX form which I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCURATE INFORMATION. 

FRAUDULENT ACCOUNTS- XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX FRAUDULENT HARD INQUIRIES : XXXX  XXXX XXXX XXXX, XXXX  XXXX , XXXX  XXXX, FRAUDULENT HARD INQUIRIES : EQUIFAX XXXX XXXX , XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX , FRAUDULENT ACCOUNT-EQUIFAX Collections-Unknown- XXXX XXXX FRAUDULENT HARD INQUIRIES : XXXX  : XXXX, XXXX  XXXX  FRAUDULENT ACCOUNTS : XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 

WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. 

PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B
Product: Credit reporting or other personal consumer reports

I sent multiple requests to delete this profile due to the age of the debt being more XXXX years old. Due FRCA any debt over & years must be removed. A account XXXX with account number XXXX was opened XXXX  years ago. Even more this account is not reporting correct information for credit history .It is only reporting Collections and not when i paid on time. I am entitled to {$1000.00} per violation. Due to Experian being sued for CFPB XX/XX/year>. I insist to conduct an investigation as required by FCRA law. Do not accept the finding of furnishers who do not provide results of their investigation which i will ask you to provide to me via mail. Delete or correct the disputed information within the timeline provided by law.
Product: Debt collection

Portfolio Recover Associates have failed to validate debts that they have reported to the three major credit bureaus. Yet they have not removed this erroneous, unvalidated debts from my Credit reports. Because of this, there has been highly negative impact to my personal credit report. 

On the XXXX of XXXX I contacted Portfolio Recovery through certified mail requesting the following to information in an attempt to validate collection accounts 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 : To date this is my second correspondence with PRA and  they have yet to respond with anything substantial that validates the debt and allows them to keep reporting erroneous information Accounts reported XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

File an dispute with XXXX regarding Lobel financial XX/XX/XXXX. Checked the status of the dispute XX/XX/XXXX states account removed now my credit file is reflecting the acct back on my credit file after it was removed their reaging this account
Product: Credit reporting, credit repair services, or other personal consumer reports

tried to submit credit freeze with experian on XX/XX/2019 by phone providing info and experian would not do it and said to send by mail with photo id. i do not want personal info in mail. data breach reported by my XXXX account but can not reach experian to freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got hold of my information and opened up some accounts. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and now in Delinquent and charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted information for application for credit loan to XXXX XXXX car salesman. Application for credit was sent to Ally Bank an online bank that went to XXXX XXXX e located in XXXX XXXX CA. XXXX stated my Credit score was XXXX that was incorrect my actual Credit Score is XXXX. I feel I was Discriminated against because I am XXXX XXXX. My application should by been approved not Denied. I want an investigation into XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is un authorized items on there that don't belong to me. Please see below all the items that are not mines at all. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft ELAN FIN SVC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Mortgage

nothing they stop me from printing check the were reverse payment the company has failed to return the check to me as requested they added a mortgage company i do not know or authorize buy me nor do they or have rerurned my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 61 hard inquiries in my equifax credit report. I have reached out to the companies asking for signed applications from myself. 
None of the 61 inquiries companies can provide original signed applications from myself I have disputed these with both inquiries companies and with equifax neither are taking this matter series