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

I am submitting this CFPB complaint to you today to request that you remove the fraudulent accounts and information you reporton my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I ned you to please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX Balance Owed : {$170.00}.
Product: Credit reporting or other personal consumer reports

hello i am reporting that XXXX, equifax, and XXXX XXXX are all reporting my educational records on my credit report ... according to The Family Educational Rights and Privact Act ( FERPA ) states that you can not add any of my educational records to my credit report without my permission... i submitted a dispute through all three and they ignored it so i want to hold them accountable financially. the law states that each violation on my credit report is up to a {$1000.00} fine and i want this imposed on all three credit agencies for ignoring my first dispute for this exact reason.
Product: Debt collection

the debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that WE didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges and threatened me with jail. I demand this account be taken off immediately. the amount of stress its brought me has caused me to be hospitalized.
Product: Credit reporting or other personal consumer reports

I have not been able to see my credit report in 2 weeks! I have contacted Equifax multiple times and they place me on hold a million times just to tell me they will get back to me in 10 business days. I need my account immediately! not in 10 days It is illegal to withhold information about my file from me and I want access this instant!
Product: Credit reporting or other personal consumer reports

I never was approved for the loan so therefore I never received the funds. I've been charged {$5.00} a month without giving my permission to take any funds out of my banking account. I like to report fraud and to have this account investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The collection listed below need to be removed from my credit report because there's no paperwork that legally verifies this account. The collection agency XXXX XXXX XXXX submitted a response stating that they would cease collection activity and inform the credit bureaus to remove this item, yet it is still reporting. This is false reporting and a violation of section 609! How can you continue to report when neither one of you can prove that these accounts are mine? I was told that there's no record of my info matching these accounts, so why are they still reported on here and how can you be verifying them as accurate? It's absolutely impossible and I believe that there isn't even an investigation occurring. Without signed contracts, these accounts are illegally reported and need to be removed at once : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following account was found unverifiable or incorrect by XXXX and XXXX and deleted. The other should as well. 

XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I believed I had purchased a XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX in XXXX. I signed all the paperwork, made my down payment, secured insurance, and drove off in the car. However, when they submitted my application to the bank, the process became unusually lengthy. During this time, I repeatedly asked if the transaction was legitimate, as it began to feel like a scam. To make matters worse, they charged me more than we had originally agreed upon. 

When the bank did not approve the loan, the dealership ran my credit multiple times without my consent. They then pressured me into signing a new contract but refused to provide me with a copy. Meanwhile, they put me in a rental vehicle, claiming they needed to " fix '' the XXXX. When I returned, they demanded a larger deposit and instructed me to provide inaccurate information to the bank. I refused to lie or engage in fraudulent practices. 

I repeatedly asked for a refund or to return the vehicle, but they refused, stating I was already the registered owner with the DMV and owed them {$10000.00}. At that point, I was unclear about what I was being charged for. I constantly felt uneasy, worried they might repossess the car over this mysterious debt. 

On XX/XX/XXXX, after consulting with the new bank and correcting the inaccurate information, I ultimately decided to return the vehicle. Multiple banks and financial advisors had warned me against continuing business with this dealership. Despite returning the car, I left with no refund, no vehicle, and multiple unauthorized credit inquiries that I never agreed to or XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XXXXapproved.
Product: Credit reporting or other personal consumer reports

Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing. I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items.Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some accounts with Experian about student loans. They are reporting that there are late payments on my students loans this year in XXXX, XXXX, and XXXX. However, my student loans are in deferment under the federal cares act. I have written to their company several times, including a certified letter but this issue was still unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my report.
Product: Checking or savings account

This is an extended complaint from my previous complaint : XXXX I have called Chase every day for the past week trying to get this problem resolved, we have a number from XXXX. Attached is the phone bill directly from the XXXX site with the address listed on the account. We have been using that number to verify the check and release the restriction on my chase account. I do not want my funds to go to state unclaimed, and I also don't want my account to be restricted. I need it for direct deposits. 

We have checked the number every day and nothing has been fixed or updated on Chase nor XXXX ' end, and I'm running out of time. Please get this solved for me. Chase seriously needs to update their verification process because even my own number is not registered under my name in their systems. It's ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proof and I am aware that the credit reporting agency has and continues to violate my consumer privacy rights. An Identity theft affidavit was sent to the credit reporting agencies, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These accounts are the result of identity theft. Pursuant to 15 usc 1681C-2 ( A ) these accounts should be blocked from my consumer report. XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX Bank were also disputed several times. Pursuant to 15 usc 1681i ( A ) ( 1.A ) all disputed accounts are to be deleted while a full and complete investigation is being done. This never happened. The accounts were never deleted during the multiple disputes. I also have NEVER given any consumer reporting agency permission to furnish any of my information. According to 15 usc 1681b, a consumer reporting agency needs my consent. I did NOT give my consent.

According to 15 usc 1692k violators are liable for actual damages. Even after being informed numerous times that the information is incorrect and should not be on there, I have been injured numerous times from the consumer reporting agencies gross and negligent and willful behavior. These injuries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and XXXX XXXX.
Product: Payday loan, title loan, or personal loan

XXXX : XXXX XXXX XXXX XXXX My husband and I purchased the vehicle mentioned above from a 3 party dealeXXXX XXXX XXXX XXXX. XXXX XXXX purchase the vehicle from a auction. 

This vehicle was repossessed from the owner, by the lien holder XXXX XXXX. However, there was a 2nd lien from XXXX. XXXX and XXXX from the XXXX store who stated I would have to pay the loan. I have no associate with the original owner ( XXXX XXXX ). WE NEED TO GET A TAG AND REGISTER THIS VEHICLE FOR OUR DAUGHTER.
Product: Checking or savings account

On XX/XX/XXXX Key bank opened an savings account and chequing account and on XX/XX/XXXX they closed the accounts for no apparent reason. The bank is XXXX and biased because they closed the accounts without informing us why! The bank has violated the 14 th Amendments ' Equal Protection Clause. Also the deposit that I deposited in both savings and chequing account was not reimbursed and I am really in need of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. These are suspicious to me and needs to be deleted asap. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Student loan

The company charges a fee for one-time payments. I prefer one-time payments as I do not like to save my financial information with companies, but in this case I'm unable to do that without incurring a fee. I think this is an unfair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) {$5600.00} XX/XX/2019 has violated my rights. 15 U.S.C1681 section 602A. States I have the right to privacy 15 U.S.C 1681section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

NOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT AND INTENT TO SUE DELETE IMMEDIATELY XX/XX/XXXX PLAINTIFF : XXXX XXXX XXXX DEFENDANT : CREDIT SYSTEMS INTERNATIONAL XXXX XXXX XXXX  : XXXXXXXX XXXX XXXXXXXX XXXX HIGHEST BIDDER SUBPOENA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX RE : ALLEGED ORIGINAL CREDITOR XXXX XXXX ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$740.00} CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEAR : XXXX XXXX XXXXXXXX XXXX XXXX COLLECTOR BOND/BONDS THEFT STOP VIOLATING THE FDCPA XXXX XXXX EXHIBIT XXXX XXXX XXXX : EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING MAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT : XXXX XXXX XXXX XXXX. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW. 
XXXX : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I XXXX TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. 
ABRUPTLY, XXXX XXXX XXXX XXXX Living Woman UCC1-308 WITHOUT PREJUDICE without recourse BENEFICARY OF acct : XXXX XXXX XXXX NOT XXXX TRUSTEE
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 



Please delete the following accounts : 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: Payday loan, title loan, or personal loan

XXXX XXXX I took a loan for {$1300.00}. Not fully understanding the XXXX fees and called they made it seem as if it would be very easy to repay back. My interest is at 680.130 % which will make it impossible for anyone to pay that loan off. The interest is curriculum on daily which the total would be at the end of loan {$4400.00}. That is clearly ridiculous for a short term loan.
Product: Bank account or service

I am victim of IF theft since XXXX 2012 and in banked with Bank of America. Everything was okay till I decided to change my bank and go with XXXX due to fee rate increase implementation was wrong as per my terms so I asked them to close my account they closed my checking but said we can close your saving in was like why and they said you owe XXXX dollars on which in was very scared and went a head did thr police report, got FTC affidavit and affidavit of Identity theft and filed in from of a notary public. Then I submitted that to BOA but even in told them I am a IDTheft victim thry had sold my a count without resolving my deputes and giving me my XXXX back they have violated my rights and I got XXXX class per 5 days from FTC XXXX. I sent them all explanation with proof and thry concluded that in bear no responsibility to that XXXX dollars and sent the case back to bank of america but it has been 4 years I have been asking them to take me off the XXXX and now finally I am going to sue them with the insurance I bought of XXXX dollars with all XXXX bureaus. I won the case and they still did n't remove that from XXXX.
Product: Mortgage

I have called the company, XXXX XXXX, on XXXX XXXX. i spoke to a representative who informed me an overage in my account could not be credited to me so the entire mortgage payment would be credited back to me then I would need to pay the mortgage amount without the overage. this did not happen. The mortgage payment was not credited to my account. 
On XX/XX/XXXX I contacted the company to inform them i want my escrow account fully refunded to me. they asked for proof which was provided within hours. 
no action has occurred. 
I have spoken to a manager who says within the next 2 weeks I will hear about the resolution of this issue. I dealing with this company they have lied to me on multiple interactions.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the XXXX  this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Mortgage

My loan was being monitored by the home preservation unit while I was unemployed, Keep your home California was making my mortgage payments for about 5 months. Note prior to Keep your Home California. I never had late payments or had issues paying my mortgage on time. As soon as I became employed I called and cancelled the program and resumed paying my mortgage withe XXXX 2016 payment. Note, I have never ever been late on my mortgage and there is no reason for Wells Fargo to keep me in the home preservation program. Although they tell me I am not in the program. I am still getting calls and letters from Wells Fargo property preservation program monthly. I have all the voicemails they keep leaving on my cell phone. If an CFPB investigator calls me maybe I can get you to hear the calls and dates and times or I can email you the voice mails they keep leaving me. I called Wells Fargo today, Friday XXXX XXXX, 2016 and spoke to two people. One was a property preservation specialists who told me I was no longer in the program and did not show I was receiving calls but I am. I have the voice mails they have left and the letters. I explained that back in early XXXX I got a letter and calls and they said they should not record of a call or letter but I have them. Second I was told I was not n the program as of XXXX XXXX but I keep getting letters and calls. The latest property preservation letter I received is dated XXXX XXXX. Well after they said I was not in the program. Then the customer service person after telling me I am not in the program started asking me questions and treating me and my loan account as a person who would be in property preservation.Asking me if I was going to keep my home, if I lived in it etc ... That 's when I asked to be transferred to their escalated customer service called office of the president. While expressing my concerns, that Office of the president person hung up on me or disconnected me on purpose. This was extremely rude and unprofessional. I was not rude or disrespectful. I just wanted to be removed from the program as I do not need or want any property preservation assistance. I want my loan is normal servicing status. 
I want Wells Fargo to remove me from their property preservation program. I want the calls and letters to stop. Although they say they do n't show I am getting calls and letters. I am getting calls and letters and I have the proof. They leave me voice mails and I have them saved. I am not late on my mortgage and have never ever been late on my mortgage since I got the loan over 5 years ago. I am concerned that they purposing want to mess up my loan and damage my good payment history or damage my credit report history.
Product: Debt collection

We moved XXXX 2015. XXXX kept sending me a bill which I repeatedly explained that not only did we not owe the bill, but even if we did, it would 've been discharged by the Chap XXXX bankruptcy we filed in XXXX 2015. I sent them a copy of it. They have now sent it to a company called CBE Group, which robocalls me multiple times a day, hangs up when I answer, and leaves me on long holds when I call back and no one ever answers. I have also sent them a copy of the chap XXXX and a letter disputing this bill.
Product: Credit card or prepaid card

XX/XX/2022 Disputed {$470.00} did not give me information who it was or a phone number. I got a new card. 

XXXX 2022 got a letter put charge on my card. Again not providing any info. I did some investigating. Looks like an airline to XXXX by a company that's been closed. I do not have a pasport and I have never heard of this company. 

After Advant sent letter saying it was my charge, I called 10 times, wrote 3 emails, sent a fax and certified mail as what PROOF THEY HAVE have the charge is mine. They never write back and explain what proof they have. IT IS NOT MY CHARGE. I DONT KNOW ANYONE TO BUY A TICKET TO XXXX XXXX 

Please help. They are just not responding. I have a new card I have not activated and I paid the bill in full. They owe me XXXX because that charge is not mine.