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

On XX/XX/2024 I pulled my credit report and found that alot of fraudulent accounts were on there so on XX/XX/2024 I filed a police report about the claim.. I disputed it with all 3 credit bureaus but haven't heard back from them...
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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have received 4 phone calls from Sequim Asst SO at their phone number XXXX I have asked them to stop calling me. 
They have my name, but will not give me any information about who they are or what they want. My credit score is around XXXX and I have no unpaid debt. 
Please help me!
Product: Credit reporting or other personal consumer reports

Credit Report and subsequent credit report investigations contend that I was more than 30 days late on my XXXX XXXX XXXX XXXX account twice ( XX/XX/XXXX and XX/XX/XXXX ) when payments were made under an agreed to payment relief plan offered by the lender. Calls to both XXXX XXXX and the credit reporting bureaus yielded no results. They blamed the other party and instructed me to contact the other party, stating there was nothing they could do. I have never missed a payment, ever, including on any of my other accounts. I made payments as agreed to by the lenders payment assistance plan offer. Please remove these late payments from my report as they have prevented me from obtaining financial products over two times now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 i told XXXX, XXXX, and equifax to reinvestigate these accounts Account Name : ( XXXX XXXX  ) Account Number : XXXX report inaccurate Account Name : ( XXXX XXXX XXXXXXXX ) Account Number : XXXX Account Name : ( XXXX ) Account Number : XXXX However, they stated everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

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

XXXX has blatantly continued reupdating the credit report indicating a balance is owed for, {$140.00} after sending a refund check. 
On, XX/XX/2023, following the last dispute. They stated the account was deleted. They have removed the account from all bureaus, except Experian. As of XXXX, 2023, both Experian and XXXX, reposted the information as updated on my credit file. Experian has actively violated FCRA reporting standards, they have been provided with information and continue stalling with a request for extensive time to investigate only to repost after XXXX days. 
XXXX XXXX, on my call today, they are rereporting because Experian has not given them permission to delete the information.
Product: Credit reporting or other personal consumer reports

I have a FTC IDENTITY THEFT REPORT. I submitted, with an explanation that I could also provide more proof of my situation. my credit reports are reporting differently, and either my information is still not corrected and they are reporting the same old information.requiring me to pay for my information I'm still going through the same process as they send to me to be able to fix the problems, and nothing is fixed.they don't remove what needs to be removed.using my maiden name which I did not use for the information they have in the reports.I in data breaches, data leaks, darkweb and being hacked. This started with the first data breach XXXX in 2017, and has not stopped XXXX sent me to XXXX I have never known of them until recently after I sent in my IDTHEFT report. The fraud is attached to my maiden name, I have been married for XXXX years. There's fraudulent activities going on of which my email address is being used so I may not be receiving the communications because it is being rerouted and when I send its not sent to whom I sending it to.This is got to be more than XXXX person, and in high official offices that know about this.This is not just affecting my credit, it's designed to destroy my life.Im being slandered, defamed, personal information sold, changed used to fit their narrative for financial gain, and to escape public ridicule for what they have done to not only me, XXXX knows how many people to keep us in poverty and control over peoples lives.IM FIGHTING FOR LIFE AND OTHERS THAT ARE VICTIMS OF THE GOVERNMENTAND INSTITUTIONS THAT HAVE OFFICIAL RANKINGS OVER PEOPLES PERSONAL INFORMATION THAT ARE TAKING ADVANTAGE OF THEIR POSITIONS.
Product: Credit reporting or other personal consumer reports

I keep trying to resolve this matter with Equifax but they keep ignoring my request and sending me the same report. Im the victim of ID theft over the summer my information was stolen and I have reported it to them as well as the other credit bureau agencies but Equifax keeps sending the same report with these inquiries that I have no idea of who they are. I would really appreciate that they delete these from my report they are not mines and its not fair to keep them on my credit. Ive even attached a police report last time so Im not sure why they wont honor my request to delete this fraud from my credit.
Product: Checking or savings account

I have {$1100.00} sitting in the account they claim to have closed due to a disputed transaction the disputed transaction investigation has been concluded and I still haven't received the money that is sitting in the so called closed account I have called numerous times to get my money and they refuse to send it stating that they are doing an internal investigation on my account usage and that they do not have any other information as to when it will be released or what type of internal investigation they are conducting I just want my money that is in the account ASAP as I have bills I need to pay with that money! They closed my account stating that " Weve decided to close your Capital One joint bank account ( s ) ending in XXXX because we observed activity that is inconsistent with our expectations for account usage. The account ( s ) will not be reopened. '' This was on XX/XX/year>. I have yet to receive my money sitting in that account. Deposits can be made to it as my paycheck went in there because I couldn't stop it in time but no funds can be withdrawn. I have talked to numerous banks and lawyers and what they are doing by holding my money isn't legal! Their letter to us said once all claims are completed they would send our money within 3-5 days to a linked account or 5-7 days by check. We have a linked account and still no money received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file an indentity theft report.This account was opened fraudulently without my consent.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account XXXX XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Debt collection

A individual named XXXX called for XXXX ( Superlative RM ). He asked if I knew an XXXX or XXXX XXXX, I did not. He repeated the question and I answered I did not know them. 

I then asked who was he with, he did not answer, I asked again about relatives of the XXXX '. I asked a second time and he hung up without answering the question of what organization he was with/representing. 

He then called my wife, and when she advised that he had just spoken with me, he hung up immediately before she could ask him who was he with. 

I contacted the company, and filed a complaint with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Regulation Z TILA was violated criminal acts 16usc 1611
Product: Credit reporting or other personal consumer reports

My credit was used fraudulently to apply for credit cards and auto financing. It was not me nor anyone I associate with please remove from my credit .It is affecting my score and home buying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in regards to several negative accounts on my credit report. I have made numerous attempts to have these accounts removed, but to no avail. I am now writing this letter to officially request the removal of these negative accounts from my credit report. It has come to my attention that the information listed on these accounts is incorrect and does not accurately reflect my credit history. I have proof that these accounts do not belong to me and I demand that they be removed immediately. If these negative accounts are not removed from my credit report, I will have no choice but to file a lawsuit for misrepresentation. This would be a long and costly process for both parties involved, and I hope that it can be avoided. I kindly request your prompt attention to this matter. Please let me know what steps I need to take in order to have these negative accounts removed from my credit report as soon as possible. I am eager to resolve this issue and restore my good credit standing.
Product: Mortgage

I closed on my home in XX/XX/XXXX. I was told at the closing table that I would receive my escrow refund within a month. I went online and got a form from Aimloan to change my address to ensure they got my new address. 

When over a month went by and I didn't get the refund, I called Aimloan. They said they had mailed the check to my old address. I had my mail forwarded, but for some reason it didn't get forwarded. I then asked them to change my address again, to ensure it would come to the right place. They told me they would send a check immediately. I never received a check. 

I called back several times. Once I got an agent and they told me their computers weren't working so they couldn't help me. Another time the agent told me they had my address wrong, so I had them change it again. In XX/XX/XXXX I called and was told a check would be sent to my correct address immediately. Finally I called again in XX/XX/XXXX because it still had not arrived. The agent told me I should not expect to receive the check before 60 days had passed. 

It is now XX/XX/XXXX and I still have not received my escrow refund. The law says 20 days. It has been 7 months. I have called no fewer than 6 times to resolve this. I have also mailed an address change form. All the agents I have spoken to have told me different things about where the money is and how long it should take to receive it. At this point, I think I am never going to receive it and further calls to Aimloan customer service aren't going to help.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found some billing inaccuracies. These reported late payments dont align with my usual prompt payments. Please address this issue and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to three credit reporting bureaus to correct the false claims that came up after I was informed the my personal email and information was being use for on line accounts that are n't mine. The XXXX breach has caused me all of my life saving and other banks accounts to be drained as well. And now I am going to be homeless because of these Deceiving reports that XXXX and XXXX and Experian are give to unknown. All three bureaus have been scaming me of monies on a monthly time. And the minute that I cancel my account they have still deceiving me with there Fraudulently scores. I am going to sue them for all of there harmed they are do me.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name XXXX XXXX  Account Number : XXXX
Product: Debt collection

I'm making a complaint today because XXXX XXXX XXXXXXXX XXXX  have caused stress and pain on me and XXXX XXXX XXXX XXXX. I can not get any apartment because of what they have put on my credit profile. Furthermore I will explain how me and XXXX XXXX XXXX got here around XX/XX/XXXX. I was looking for places came across a place at XXXX XXXX it was a XXXX bedroom XXXX bath for XXXX the fellow property manager that I spoke with got us into the apartment I paid my deposit because he made it clear that. When me and XXXX XXXX XXXX payed and signed the lease XX/XX/XXXX of 2021 we would not have to pay rent again until XXXX. This gave us enough time to get settled in our job but so on that was actually a lie. We were charged the next day XXXX and at the time my job wasn't all the way transfered from XXXX, NY to XXXX, TX. So this caused me alot of stress they sent notices threatening for us to vacate or they would take me to court we were terrified also FCCPA Section 805 ( b ) states thats a violation and its a XXXX fine. We left now we do not feel we owe XXXX simply because there were alot of things not clear or made clear by the property manager before or after. We signed the lease so on behalf me and XXXX XXXX XXXX we feel scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  XXXX   XXXX  hereby file this complaint against a medical debt collector that is not abiding to the Consumer Financial Protection Bureau mandate and settlement with  XXXX ,  XXXX  and  Trans Union  respectively. The attache d medical collections we re instantly filed by  XXXX ,  XXXX ,  XXXX   XXXX   XXXX , a law firm located in the state of New York that specializes in medical debt collections. By this attached mandate, the medical debt collection process is supposed to operate as follows  : 1 ) The consumer is to be billed by the medical collector, giving a 30-day time frame to pay the medic al invoice directly, or to ensure that his/her medical insurance provider is to satisfy the claim in question.     2 ) If the claim is not satisfied by these criteria, the debt can be assigned to a medical debt collector.
3 ) The medical debt collector must submit a 180-day notice that if the medical debt ( s ) are not satisfied, either through medical insurance or directly from the consumer, then the medical debt collector has the right report any or all collections previously ordered paid.     In the events of the aforementioned law center, none of the mentioned methods were used, and my credit was tarnished through the violations against me of the CFPB mandate and settlement with the major credit bureaus, but these collection violations are connected to my rights under the Fair Debt Collection Practices Act. My understanding is that there are currently multiple complaints against the law center of  XXXX   XXXX   XXXX   XXXX   XXXX  for a continuous illegal collection practic e ( s ) ag ainst consumers without any consideration of the law.   An additional complaint will be filed with the state of New York Office of Attorney General through my attorney in due course if the CFPB can not rectify this serious series of violations.   My information and all aspects of previous collection postings with all pertinent credit reporting agencies must be purged immediately, and the CFPB must file an additional investigative process with the Federal Trade Commission to sanction the law center of  XXXX   XXXX   XXXX   XXXX   XXXX  along with a permanent injunction against same from this continuous abusive practice.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy. 15u.s.c 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my instructions on the 15uscs 1666b a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 




I have asked them repeatedly to come get the vehicle, and they refuse, I was told the vehicle was not worth repo due to the value versus the loan. They are reporting this account as negative and it has affected my credit. I always get the run around, I have repeatedly called and all they try to do is have someone repossess the vehicle when I have voluntarily offered to surrender it in exchange to have the negative reporting stopped. They have damaged my credit, and are not willing to work with me whatsoever.
Product: Mortgage

SN Servicing Corporation is not recording my mortage payments on my statement. Every statement I receive does not reflect my mortgage payments. Also, this loan was included in bankruptcy, but late fees are on the statement.
Product: Money transfer, virtual currency, or money service

This has to do with Cash App drive which many have been misleading with their fund. Payment money transfer. Federal government is suing csap app. I would like to receive my reconciliation. Than You