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

I've been fighting XXXX XXXX XXXX XXXX that I didn't open that continues to report on my credit report. It's reporting on my record as charged off of sold to another company after our being already removed only to be replaced after a year! I put in the last request for is to be validated on the XXXX of XXXX for them to tell me that XXXX told them the information was correct. I contacted XXXX and they told me that the credit card company told them the information was correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

my personal information has been compromised due to XXXX  data breach. I notice multiple accounts showing on my credit profile I never opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX  XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$410.00}
Product: Debt collection

This was detected by credit monitoring ( XXXX XXXXXXXX and XXXX. Showed up as a collection account and I don't have any accounts in collections. I have never heard of this company nor recognize the amount they are collecting.
Product: Mortgage

We were defrauded by WELL FARGO. We was told to not make XXXX payment in XXXX. They tried to foreclose on us. We had a mortgage of 30 years that was to be paid off in XXXX. We were forced to modification to 40 years. They swindled us into a XXXX lie. To compensate our dream home. Yes we want justice and transparency of this illegal action towards. Yes we also was in their illegal issues that Supreme Court found them guilty in mortgage fraudulents cases against peoples homes. I have all of my forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

I have been working with Transunion for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. There is an XXXX account that XXXX deleted because they couldnt find evidence that the account was mine so why wont Transunion? This goes back to me feeling like the bureaus are all reporting the same information and its confusing to me.
Product: Debt collection

I was contacted Direct Recovery Services and told that I owe {$380.00} for a past balance to XXXX. While I do remember doing business with XXXX at one point, the amount of money that I owed on that account was {$110.00} according to my records. I am writing a letter to Direct Recovery Services and disputing this amount. I am also placing a complaint with the CFPB because I know that XXXX was involved in Payday Loan Scams. I believe that this is one such scam and I am reporting this issue.
Product: Credit reporting or other personal consumer reports

Hey good day for the past weeks I have trouble getting a loan due to XXXX  days late payment on my credit report ; I am requesting a goodwill if yall can kindly remove this from my credit report due to my consistent on time payment for the last 5 months or if its possible you delete this account from my credit report this is tradeline : XXXX XXXX XXXX  an installment loan Account number : XXXX it is a credit builder account. Late payments were XX/XX/XXXX and XX/XX/XXXX. 

Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and haveXXXX hard inquiry on my Experian credit report thats fraudulent and unauthorized : XXXX XXXX XXXX/XXXX/XXXX. The hard inquiry dont belong to me.
Product: Credit reporting or other personal consumer reports

Equifax is reporting missed payments on my XXXX report that is incorrect and every month it continues to persist for months now. My last late payment was 1 year and 8 months ago with credit acceptance. I have no other recent late payment with open accounts on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX  Account XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address I no longer live that I'm subject to identity theft. 
XXXX XXXX XXXX XXXX, GA 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: 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 XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX Midland credit management Inc account # XXXX, has violated my right 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 or other personal consumer reports

XX/XX/XXXX I purchased my car for XXXX with a check for {$50000.00} from XXXX XXXX. The loan amount for the car was {$37000.00}. On XXXX XXXX I filed a XXXX with the IRS which was accepted and sent to the XXXX XXXX for ( Aquisition or Abandonment of secured property ). I recently filed a XXXX to discharge the debt. On XX/XX/XXXX my auto loan was made to " Now Current '' and on XX/XX/XXXX all my payments were changed from " Late '' to " on time payments ''. Now the auto loan has been placed as a charge off and according to 31 USC 3104 this debt has become a Certificate of Indebtness. The Fair Credit Reporting Act, 15 USC states it is illegal to report inaccurate transaction history. This debt is now charged off and income can not be reported on credit reports. I hired a company in Delaware to do a UCC-11 search. I have sent XXXX XXXX XXXX complaints stating my rights to my vehicle and demanding they mail my title free and clear to XXXX XXXX XXXX XXXX XXXX XXXX and to place my payments they received from the federal reserve window ( being that they are my security transfer agents ) into my Treasury Direct Account. These actions are unlawful unacceptable and against the Banking Act of 1933. The IRS has also been contacted to remove their POA with form 2848 and 56F. I have also filed Bankruptcy under XXXX XXXX due to hardship. I will be sending in the paperwork directly to XXXX XXXX to put them on notice.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX {$1400.00} - XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  DEPARTMENT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  DEPARTMENT OF XXXX : $ XXXX XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX : $ XXXX XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX : $ XXXX XX/XX/XXXX -US DEPARTMENT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX DEPARTMENT XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX -US DEPARTMENT XXXX XXXX : $ XXXX XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX : $ XXXX XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX : $ XXXX XX/XX/XXXX -US DEPARTMENT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Department of XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

I spoke with someone in XXXX regarding my private student loan through navient. She was very rude and was not helpful at all. I attempted to correspond through mail and asked that they stop the phone calls and contact me by mail. They have continued to call me, sometimes XXXX times a day, and have told me they ca n't correspond by mail. I spoke with someone in XXXX and again that was not productive. He was again rude and threatening. I just spoke with someone who was again rude and threatening. I am tired of being harassed when i have been corresponding with their company. I have requested documentation in terms of the loan in question and they only sent me half of it and i was told they ca n't send the rest i have to find it online. They have now begun calling anyone that may be associated with me, including my brothers mother in law, who has no part of this situation at all. Even after my mother asked them to stop calling this is being handled through the mail, they continue to call repeatedly.
Product: Credit reporting or other personal consumer reports

I tried getting in contact with this company several times through mail and CFPB and nothing is rectified. They say theyve done a full investigation and the same numbers pop up on my credit report when theyre.
Product: Checking or savings account

Navy federal credit union garnished my entire checking and savings account {$2000.00} because they said that I owed a credit card that was in collections a year ago. I talked to them before and was told that since it was in collections that my checking or savings account would not be touched. They also let me open a checking account and I deposited {$500.00} in it and then days later after they took my money they call to tell me that they were closing my account because I didnt qualify for a checking account with them. This was after they opened my account and let me deposit money into the account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccuracies on my report that continues to negatively impact my credit profile despite numerous efforts things remain unresolved. I am requesting immediately investigation and removal of these items as it is incorrect and does not reflect my true credit history. According to FCRA section 605b it is illegal to report anything on my report that is in error.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019ARS ACCOUNT RESOLUTION XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX  Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX   District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX  SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my Walmart Credit Account since XX/XX/XXXX. My account with Walmart/XXXX XXXX has always been paid on time. I paid it automatically electronically, and then at some point in late XXXX, Walmart and XXXX XXXX converted some accounts over to Capital One. Capital One subsequently canceled my automatic payments, without my knowledge or permission, and without proper notification to me. 

Allegedly, Capital One is making claims that they did mail out notice, however, I have never received anything from them with regards to any changes until well after-the-fact. Had Capital One not canceled my regularly scheduled auto-billing which had been in place since XX/XX/XXXX, the account would have been paid on-time just like the 79 ( now 84-months prior ) ; If Capital One would have legitimately made " verifiable '' contact with me, through any of the multiple contact methods they have on file from other past/present account relationships ( i.e., text/mobile notification, email, phone call, or traceable mailing methods ) to secure that the vital information was received " timely '', the newly transitioned account, converted from Walmart XXXX XXXX -to-Walmart/Capital One, would have been paid on time. 

Please correct this error, by removing this adverse information that has been reported to the credit bureaus. 

Thank you, XXXX Please also see the attachments included.
Product: Credit card or prepaid card

In XXXX I applied for a loan on line asking for XXXX. To pay off loan I have with XXXX acct # XXXX XXXX. ( the first 8 numbers are x out ) because the interest was 12.5 % Soon after I applied I received an email saying Congratulations your loan was approved. 
I received no other correspondence until I received a bill on XXXX XXXX 2020 with the details if the loan. 
This was the first time I saw the terms and amount of the loan which turned out to be a credit card sponsored by my credit union XXXX and was a credit card not a loan. Acct # XXXX XXXX XXXX XXXX XXXX called First Bank that day. I asked why they were only paying XXXX. They said that in the fine print of the application it says they have the right to decide the amount of the credit. 
I explained that I did not agree to XXXX. I needed XXXX. 
They said well it's too late because the check had already been sent to XXXX. 
I tried again to explain that I did not agree to XXXX and I do not agree to your terms. 
I ask if the check had been cashed and they said no. So I asked them to place a stop payment on that check they mailed to XXXX on XXXX. 
They said the couldn't stop pay on a check until 21 days had passed after the date of mailings I tried to explain that that rule is for when a check had not been received. 
I was unable to speak to anyone in accounting who would know what a stop payment ment and how to implement that process. 
I sent letters, I called several times but all I got was a letter saying they had the right to choose the amount of credit. 
No answer to the fact they did not seek my approval for that amount and the fact I never agreed to their terms. 
I see this as a fraud. Get people to apply for a loan, give no info on the amount or terms and only allow them to speak to customer service who is not equipped to handle these issues. 
I wrote a letter, sent back the statements with notes but they refused to intelligently address the issue. 
What I need now is to have First Bank remove their reporting to the top 3 credit reporting agencies.FYIi XXXX cashed the check on XXXX
Product: Debt collection

SECURITY CREDIT SERVICES Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX Original creditor SNAPSHOT Opened Account status XX/XX/XXXX ( XXXX mos ) Open Type Responsibility Remarks Individual Placed for collection Original creditor name XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had left town on XX/XX/20 around XXXX. I returned around XX/XX/20 and checked all of my accounts per usual and noticed fraud. The only person that had access to my home was the housekeeper in which I trust. 
XX/XX/20 XXXX, XX/XX/20 XXXX, XX/XX/20 XXXX, XX/XX/20 XXXX, XX/XX/20 XXXX and XX/XX/20 XXXX. I did not authorize nor make the above indicated charges. I received documents " Declaration of Fraud '' and turned them in. I dont believe that American Express even investigated and if they did not thoroughly. My claim was later denied and with the coronavirus pandemic and my job closed I NEED MY FUNDS THAT WERE STOLEN. Please help!
Product: Mortgage

XX/XX/XXXX   I had several insurances that were due, I informed my insurance company I could pay one now and the other on payday. They told me that would be okay. I paid the homeowners insurance as stated on payday. Weeks later I received a letter from my mortgage company telling me my insurance lapsed ( one week ) and they needed proof from my insurance company or they would provide home insurance. I responded to the letter by contacting the mortgage company informing them I had already paid my insurance. Also my insurance company sent them the information as requested. A month later I receive a letter again, I contacted the mortgage company and was told to ignore the letter because everything was okay. Three months later ( XX/XX/XXXX  ) I receive two letters that seem very threatening, telling me I owe them {$100.00} and if I don't paid they are going to add this to my mortgage. In my XXXX  years I have never heard of anything so ridiculous as this.
Product: Debt collection

Once again XXXX is in violation of my rights as a federally protected consumer. On XX/XX/21 XXXX hired a towing company and gave them my personal home address to come and repossess my car. I did not give my authorization to share my personal information and repossession is illegal pursuant to 15 USC 1692e ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan through XXXX and I was not aware that they run your credit through numerous companies. I have contacted Santander and asked that they remove the inquiry as well as the credit bureau and it 's still reflecting on my credit!! I did not authorize my credit to be ran through Santander Consumer USA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this follow up complaint notify the XXXX and Equifax Bureaus once again about the dispute of certain remaining inquiries in my file resulting from the crime. Once more the inquiries I am disputing do not relate to any negotiations obtaining any possession of goods, services or money that I have made or approved. Please block and remove the reporting of these inquiries in my credit file. These inquiries are unknown to me. Also, the reporting details you provided on these inquiries are already DELETED from other bureaus and now I have doubts in the reporting accuracy on some inquiries that you presented me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind : XXXX : XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft but still no action from the 3 credit bureaus to remove the fraudulent items in my file. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have contacted XXXX numerous times in ref to a membership I never signed up for and cant get canceled. I have attempted to file several disputes regarding issue. 

XXXX has been charging me XXXX a month since XXXX XXXX,2018 I am requesting immediate cancelation and refund of all monies received since XXXX XXXX 2018 I am preparing to take this matter to court if we are unable to come to a resolution.