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

I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to XXXX XXXX XXXX : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX A
Product: Mortgage

Green Tree ServicingI several times had to go online and schedule a payment only to call back and ask to cancel that transaction They refused to cancel saying they could not cancel and would send it through and cause me to be overdrawn in my acct and pay overdraft fees for a few months. They also were very rude stating that Greentree has helped me, I was upset, and she told me " dont play this XXXX on me '' ... I have never encountered anyone so rude
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN ***** Account Name : XXXX XXXX XXXX XXXX  Account Info : Paid Charge off Settement. {$500.00} Account Number : XXXX Date Open : XX/XX/XXXX Date Close : XX/XX/XXXX XXXX ***** Account Name : XXXX XXXX XXXX XXXX  Account Info : Paid Charge off Settement. {$500.00} Account Number : XXXX Date Open : XX/XX/XXXX Date Close : XX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Info : Paid Charge off Settement. {$500.00} Account XXXX : XXXX Date XXXX : XX/XX/XXXX Date Close : XX/XX/XXXX
Product: Debt collection

Past couple months, I have been getting texts regarding a debt I owed XXXX XXXX XXXX. I have not had an AT & T account for over 3 years. I specifically remember when I closed out the account because they attempted to keep me as their user and I mentioned that I was with XXXX. So I specifically remember myself closing out the account and leaving no balance. 
When I began receiving debt collecting texts, I knew it was a scam and would automatically Delete and Report. They would use a different number each time. Just to be sure, I reached out to AT & T and they said my account was closed out and that was the end. I thought that was the end. 
I noticed today XX/XX/year>, in XXXX and XX/XX/year>, they have impacted my XXXX XXXX. XXXX points. I immediately searched their name CREDENCE RESOURCE MANA. They had reviews of horrific experiences with their customers support service. How they were using abusive language and asking for personal information they should not be asking for. I was sure it was a scamming company and did not call them. I did not want them getting any personal information to possibly escalate this to a bigger problem. And with development of AI, I did not want them getting a recording of my voice to use it for even more severe scamming. 
I immediately reported for Identity Theft and XXXX through XXXX. They said a follow up police report or FTC report would be useful. 
I hope we can get to the bottom of this and stop this scamming company. 
I hope I can also save my XXXX XXXX from getting faulty impact.
Product: Consumer Loan

I had auto loan with GM Financial whom picked up the car from the storage without contacting me because the adjuster left the car at the storage. From the time they picked up the car, their reinstatement department never answer their calls, I left tons of voice messages trying to resolve the problem but they never returned ANY of my calls. next they sent me a letter of repossession asking me to pay for the cost of getting the car from the storage but long before that, I was able to get another adjuster who placed a 3-way call and accepted responsibility and stated that my insurance will pay the loan company all their expenses. After sending the repair check and estimate to my loan company, I was able to speak to a lady who gave me 2 options either GM Financial repairs my car or I can pick a body shop of my choice to repair the car. I told her that GM Financial should do the repair. 2-3 weeks later, they sent me a letter requesting the information of my body shop. I fax and sent them certified mail requesting explanations and made them aware that I personally do not see any genuinity with the way they are doing business with me. Next I know they sent me a bill for {$8.00}, XXXX stating that they have auctioned the 2008 XXXX. Till date no calls or mails was returned.
Product: Student loan

I would like to know why Campus Student Funding , LLC is still trying to collect on the loans from Corinthian Colleges despite judicial rulings that such loans violated consumer protection laws.
Product: Bank account or service

Scottrade and their affiliates can not be trusted. Scottrade states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, Scottrade will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than 5 complaints against Scottrade trying to get a copy of the arbitration agreement and each time Scottrade responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution?
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 

XXXX XXXX Balance Owed : {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE ACCOUNT HAS BEEN REMOVED FROM MY CREDIT FILE BUT YOUR STILL SHOWING
Product: Payday loan

On or around XXXX/XXXX/15, I receive a loan from Castle Payday ( XXXX ) in the amount of {$500.00}. I was informed that if I paid this loan off by XXXX, my total amount to pay off would be {$670.00}, to which I agreed. On XXXX, I called to ensure that the loan plus interest would be paid off in full ( {$500.00} + XXXX ). When I called, the rep informed me that the systems were down and he would call me back to complete the transaction. I did n't receive a callback so I assumed that everything was taken care of. 

On XXXX, I noticed that only {$170.00} was taken out of my account so I called to find out what happened. They informed me that the rep tried calling me back, but he could not get a hold of me. I do not have any missed calls of any sort of Castle Payday trying to call me back. At any rate, she stated that {$500.00} would immediately be taken from my account so that no further interest would be charged and my account would be paid in full. 

To my surprise, when I check my account the very next day I see {$670.00} was taken out. I call Castle Payday and they informed me that a manager would be calling me back to confirm that I would be credited back {$170.00}. 

Which brings us to today ... I called my bank to dispute this and after being on the phone with my bank and Castle Payday, the bank agreed to charge back {$170.00} to Castle Payday, which of course is pending, and totally agreed that charging {$350.00} on a {$500.00} loan that was paid off in less than a month is BEYOND predatory!
Product: Credit reporting, credit repair services, or other personal consumer reports

It is impossible for a charge off to be an open account, it is being reported as an open charge off.
Product: Credit reporting or other personal consumer reports

I have reviewed my XXXX credit report and found discrepancies in the information provided. I can assure you that the information in question is inaccurate, and it is negatively impacting my creditworthiness. 

I am requesting a thorough investigation into this matter and urge you to correct the inaccuracies promptly. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and accurate credit report. Therefore, I expect this issue to be resolved within the timeframe stipulated by law. 

Following Accounts are not accurate : XXXX ) XXXX XXXX XXXX  - Account Number XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX XXXX XXXX  - Account Number - XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX  XXXX  - XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Account Number - XXXX - Has Incorrect Payment status, The account is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Experian on XX/XX/2022 requesting to investigate and verify the Accuracy of the accounts on my Credit Report. These accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX Bankruptcy Reference # : XXXX ) are reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous accounts and have them corrected.
Product: Mortgage

i had agreement with wells fargo due to me being layoff, i kept my agreement term, my letter of agreement state that i would pay XXXX for 6 months and after i found a job that my go back to paying what i was paying which was XXXX.well i went back to paying my normal payment from XX/XX/XXXX to XX/XX/XXXX went to bank to make my XX/XX/XXXX payment i was told that my home was in forclose. still no answer wanted me to pay XXXX which i did not have. please help, i have been in my home for 18 years
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 expressed written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Additionally, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things, please delete these accounts from my credit report. Thank you.
Product: Checking or savings account

I was banking with Wells Fargo and all off sudden they just closed my account so I tried reaching out several time no one responded back and then i finally someone reached out never gave me a reason just said well fargos dont want to bank with me and closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - 103 ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 03/02/2022-TransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXXTransUnion 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 XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
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. 

ADD ACCOUNT NAME, ACCOUNT NUMBER AND THE LAWS EXAMPLE : 1. XXXX XXXX XXXX- Account NumberXXXX, has violated my rights. 
2. XXXX XXXX XXXX  - Account Number:XXXX, has violated my rights. 
3. XXXX XXXXAccount NumberXXXX, has violated my rights. 
4. XXXX XXXX XXXXAccount NumberXXXX, has violated my rights. 
5. XXXX XXXX XXXX XXXX-Account Number : XXXX, has violated my rights. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate 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 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. 

Please delete these accounts off my credit report IMMEDIATELY and update of late payments to a positve status.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account and one inquiry on my credit report that is not mine I have sent letters to the bureaus as well as the furnisher reagrdign this and nothing is being done for this I need help please. 

XXXX XXXX - Account XXXX Date opened XX/XX/XXXX Amt {$0.00} Inquiry XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dating back to XXXX Portfolio Recovery Accociates LLC. was furnishing and reporting falsified and misleading information on my consumer reports from XX/XX/XXXX until XX/XX/XXXX prior to our court proceedings in which Judgment was awarded in favor of the defendant which is me XXXX XXXX listed as XXXX XXXX in the complaint this judgment was made in the Commonwealth of Pennsylvania county of XXXX by the Honorable XXXX XXXX XXXX on XXXX XXXX. No Debt was ever owed to Portfolio Recovery Accociates LLC. All furnished data to the consumer report was falsified and misleading which has caused harm to me as a consumer this has ruined my reputation and credit worthiness due to this misleading information that was furnished and illegally parked on my consumer report without proper investigation of the matter. Once a judgment was made in my favor, they then removed it from the credit report. Under the Fair Credit Reporting Act ( FCRA ), if you find misleading or inaccurate information on your credit report, you have the right to dispute it, and the credit reporting agency is obligated to investigate and correct or remove the information if it can not be verified as accurate ; essentially, the FCRA protects consumers against the reporting of misleading information on their credit report. I have made other complaints in the past to the cfpb as well as XXXX in regard to this matter in which everything came back as verfied. When i raised and questioned the verification i was told it was verfied proper investigation into this matter was not conducted but they still continued to furnish the information without proper investigation. Investigation required : Once a dispute is filed, the credit bureau must investigate the information within a reasonable time frame, usually 30 days. Furnisher responsibility : The entity that provided the information to the credit bureau ( the " furnisher '' ) also has a responsibility to verify the accuracy of disputed information and update it if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. the listed Accounts below has violated my federally protected consumer rights to privacy and confidentiality us the 15 USC 1681 Account Name and Number : XXXX XXXX XXXX # XXXX, Account Name and Number : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than convictions of crimes which antedates the report by the more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Product: Credit card or prepaid card

Capital One Visa CC # XXXX On XX/XX/2019, I reported my card as lost/stolen with a Capital One agent on the phone, immediately right after I received a text message from Capital One asking me to confirm a transaction, and I replied NO. Unfortunately, there was already a charge for the amount of {$3100.00} on the card, which I did not recognize and reported as unauthorized and fraudulent. I received a temporary credit for that amount on my card, after a few days, pending an investigation. Yesterday, XX/XX/2019, I also had a voicemail on the phone from a lady from Capital One, saying my dispute has been resolved, and I assumed in my favour, or I would have been contacted prior by the agent. Today, however, XX/XX/2019, I looked at my CC and noticed a charge for that same amount from XXXX Store again back on my card. I thought this was a mistake, and called the agent on the phone, wondering what is going on. The lady first told me that I have been refunded by XXXX for the charge, but she can not see on the statement, and neither could I. Then, after she placed me on a few minutes hold, she told me that this charge has been determined not to be fraudulent, and you have been re-billed by the merchant. I asked the lady on the phone, as to why I have not been contacted to provide more information or file a police report for the card that was lost/stolen, and I reported it promptly, and the lady had no answers for me other than the fraud claim has already been closed, and she can no longer do anything. She did not have any answers for me as to what information they have observed to conclude this charge was not fraudulent. 

What has happened here is absolutely absurd, and unacceptable. The card was lost/stolen in another country, while I was visiting, there was a charge on the card which was fraudulent, and was reported as fraudulent on the same day that the charge occurred. Nobody has ever reached out to me from Capital One to provide me with information on what new information they have received to deduce this charge was not fraudulent, or to ask me for more information to resolve this claim. This is a violation of my rights, and by law, for unauthorized charges made by a credit card, reported promptly, I should be reimbursed and not be held liable. Please assist me with this inquiry. Thank you for your time and consideration. 

-XXXX XXXX
Product: Credit reporting or other personal consumer reports

I viewed the Check System and noticed inaccurate fraudulent information.