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

Im an XXXX person whom never had a change. I know I tried many times over the years to build credit only for it to say I have no credit history. For the more there are many inconsistencies on all my on all the credit bureaus not allowing me to ever establish or apply for any housing or even obtained a phone. When applying for housing or a phone or any kind of thing my credit is always looking to account it's low and I have been establishing my credit since my twenties I am now XXXX XXXX XXXX and I still do not have credit after XXXX hit my credit has not took another hit I feel I am being XXXX XXXX against are are my children. As white counterparts have a higher credit score and even immigrants I have tried multiple programs of repairs and everything but it doesn't matter my credit score always says the same thing low no credit history which is not true and a lot of delinquencies which is not also true they continue to have a bunion see of credit inquiries on my credit account and will not removed all three bureaus I am in so I am also in the process of suing because they are blocking my opportunities I'm not able to apply for housing through XXXX XXXX I'm not able to obtain housing first time home buyers I'm always told I have to wait two years to build my credit with XXXX  this is only due to XXXX XXXX yes on my account I know I have a few account I even attended to pay the boss I even attempted to take them off and they have charged-off accounts on my account and will not remove them they are XXXX XXXX me and keeping me in a position where I'm not able to even purchase a home I always have to pay higher rates deposit down because everyone sees me as a high-risk and I'm so fed up with it.
Product: Checking or savings account

I was a victim of account fraud on my chase account. I contacted the police department when I noticed a  XXXX  transaction on my account that I did not authorize. I was in possession of my ATM card. The police went to the gas station where the transaction took place and they pulled the video surveillance and they were able to identify the suspect. The y have a warrant out for his arrest. I contacted my branch manager and he explained that I am insured and that the money would be put back in my account. Months later, Chase said they did an investigation and found that there was no fraud and took my money back out. My branch manager called the detective and provided the fraud depart ment at chase the police report number and the detective offered t o give then the video with time stamped proof of the suspect and provide written proof of the warrant. The fraud department refused to take the evidence even though I am supposed to be protected and insured. I am begging for help. I have any and all evidence needed. My branch manager was outraged at the way the fraud department handled  this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines and according to the FCRA law they should be removed. I never once was provided with any physical verification of these accounts. I'm asking to be provided with physical documentation or as it is written via the FCRA law, remove and/or block from my report. False information is hindering me from buying a house. No credit agency shall report information without providing physical documentation. Please remove/ block the following accounts from my report.. 
1 ) XXXX XXXX, {$1200.00} 2 ) XXXX XXXXXXXX XXXX, {$350.00} 3 )  XXXX XXXXXXXX XXXX, {$130.00} 4 ) XXXX XXXX XXXX, {$750.00}
Product: Mortgage

i was denied a hamp because the unpaid balance is over the hamp limit, I am only {$14000.00} over the limit of the hamp & also requested to pay this amount towards the principal to allow me to get reviewed thru the HAMP but they did not respond to my request. also they stated that they are unable to reach an affordable mortgage payment based on my income. my gross income is XXXX and that me or the co-borrower have reached the allowable number of modifications. I am at a point that I can afford my current mortgage payment, but I can not afford to pay back what I owe in the past which is over 200 thousand dollars, I want to save my home and I am trying every avenue to do so, however they seem that they are not willing to help me, instead they prefer to go thru the foreclosure process which it will cost them more money to them. I want to stay in my home and I am trying every avenue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, XXXX XXXXXXXX XXXX  XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt In VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( XXXX ) IN GENERAL Subject to subsection ( XXXX ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX sold my debt illegally to another company a collection company XXXX XXXX XXXX in XXXX for {$15000.00} and {$2000.00} without notication. I spoke with a representatives from from the XXXX credit bureaus to try to get them removed. The credit bureaus denied my request to have them accounts removed because is illegal to sell my debt and not report it but still have the original debt holder on my credit report. The company didn't do nothing to help XXXX would like to have these accounts removed from all XXXX credit reports.
Product: Debt collection

VANCE & HUFFMAN reporting that an account in collection on my credit report stating that I a debt in the amount of {$590.00}, dated XX/XX/2023. Sent company a letter opting out of reporting on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX OF XXXX XXXX XXXX OF 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: Debt collection

NISSAN MOTOR COMPANY / NMAC ACCOUNT : XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am a natural person, XXXX XXXX and am writing this letter on my own behalf. 
When I entered into this consumer transaction, with NMAC company account number XXXX that NMAC / NISSAN was and is in violation of 15 US code 1601, Ch. 41. 
Congressional findings and declaration of purpose. My understanding is that there must be an informed decision for there to be an agreement, and that did not happen between us. 
The first fact is that I made an uninformed decision when I entered into this consumer transaction.

Congress says in part ( a ) that there must be an informed use of credit, therefore this is a violation, as I made an uninformed decision.

Next, in part ( g ) congress says the the person to whom the debt is arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or, if there is no evidence then by agreement. You are in violation because there is no evidence of indebtedness, only an agreement, which is null and void because I made an uninformed decision. 
I also have requested to see proof that you suffered a loss or injury from the transaction. You have denied me that proof and a copy of the 1099C you should have filed after the charge off. I am concerned there may be tax fraud in addition to consumer protection violations. I have learned that the IRS defines charge offs as income and income isnt supposed to be reported on the consumer report. However, you have damaged my reputation by providing this to the credit reporting agencies for several years.

Finally, in part ( K ), Adequate Notice, congress says there must be a printed notice clearly and conspicuously printed so the consumer is reasonably expected to understand. A computer generated notice of legal jargon was not understood by me, it was not clear and conspicuous and this is in violation. 

Regards, XXXX XXXX XXXX Cc : CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX, Equifax and XXXX asking them to explain why my credit score was lower than it should be. Specifically, i explained that I have perfect credit, no delinquencies, no derogatoriness, exceptionally low credit use to credit available, all credit paid in full monthly, all property owned free and clear, over {>= $1,000,000}. in liquid assets, XXXX debt and in over 50 years never a charge off or any credit issue. Considering all of this I asked why I am not a perfect 850 score. I asked that they either increase my score to 850 or explain how they calculated my score, about 790-815. It seems to change monthly. They send form letters stating that your score is calculated using four main factors. Delinquencies, derogatory comments, debt outstanding to credit available and total debt, which can be to high or to low. When you call to speak to a credit representative to ask them to explain it they basically say that is just what it is. I ask that if everything is perfect then why is my score not perfect or why will they not explain where and why I lose points. My latest letter was sent on XX/XX/18. All of this is verifiable. Their own reports corroborate what i am saying. i can verify the asset numbers and can verify income, which i told them i would do if they would agree to change my score to 850 if I did.
Product: Debt collection

How r u doing today? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus about an unknown charge off account from CCB/XXXX  CARD # XXXX. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/year>
Product: Vehicle loan or lease

I refinanced my car loan the car loan was paired off on XX/XX/2020. I still have not received my title. Called the computer and was told it was sent called back the next day and was told it will be sent out on 10 days 49 days later still no title.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1- Fraudulent accounts : XXXX XXXX COLLECTIONS opened on XX/XX/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 Incorrect name : XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Around the end of XXXX early XXXX, I contact Wells Fargo to obtain a payoff for my mortgage. I spoke to a representative that gave me the what I owed, but stated that they could not give me a final number as they had to request a payoff and I would receive it in the mail. 

I received a payoff statement in the amount for around $ XXXX. I accepted an offer of {$380.00} for my home, enough to cover the first and second mortgage as well as all of associated fees. 

On XXXX XXXX, my lawyer contacted me to inform that there was a problem as there was a third mortgage on my home. I was taken back as I did not take out a third mortgage. My lawyers office went on to state that it may have been a mortgage modification. I stated that yes, I did request a loan modification, but I was under the impression that amount was put back into the mortgage and a third loan. They forwarded me the signed documents. I immediately contacted Wells Fargo who stated that it was my responsible not theirs. 

Upon my own research I found out that Wells Fargo was responsible for informing me of the partial claim, as part of my payoff. The XXXX HUD XXXX letter section k, stated that they are to contact HUD and inform me of the partial claim as part of my payoff, which they did not. The HUD website also states that the lender, is obligated to contact HUD whenever a payoff is requested and inform me of that amount, again they did not. 

I contact Wells Fargo again and made a complaint in which the assigned to XXXX XXXX. I spoke to XXXX and he said that he had to research the matter. I followed up with XXXX a few days later, in which he stated that Wells Fargo research stated that I 'm responsible for contacting HUD and Wells Fargo is not responible or are they going to pay any funds that I am out of pocket. I asked where did this information come from and I was told that it came from HUD as well as Wells Fargo research dept. I asked for the name of the person that he spoke to at HUD and he could not provide it. I asked for the contact information at Wells Fargo research and again, he could not provide it. I asked if there was someone else I could speak to and he said no. I informed XXXX that if there was no one else that I could speak to in regards to this matter, that I would have to take matters into my own hands and this is when XXXX became very disrespectful stating that it is not his fault that I could n't pay my mortgage and required a loan modification and that Wells Fargo is not responsible and will not help me. I told XXXX that there is no reason to be disrepectful, he stated that he was not being disrespectful, just stating facts. I went on to say that there is no need for us to continue this conversation, if there is no one else that I can speak to in regards to this matter then there is no need to continue with our conversation wished him a Happy XXXX and hung up. 

After talking to Wells Fargo, I called HUD stated that yes they see in the mortgage letter XXXX, that Wells Fargo is responsible for informing me of the partial claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over four years I have maintained an exceptional payment history on every account. During this time I have also paid off several accounts and presently have a XXXX balance on all remaining revolving accounts and paid off two installment accounts for over {$11000.00}. My only obligations at this time are my mortgage and heloc. Last year, I had paid ahead my XXXX XXXX installment account so I didn't have another payment due until some time in year XXXX. I decided to go ahead and pay this account off anyway about a month ago for over {$4000.00}. 
Last week my score went to XXXX and I was fine with that. I thought someone had finally taken the time to begin to fairly adjust my score. However, after my report recently updated to show a {$0.00} balance on an OPEN revolving XXXX  account, my score went DOWN to XXXX and all of a sudden I have " Lack of sufficient credit history ''. ( The closed XXXX  account on the Equifax Report shows an age of XXXX XXXX. ) Also, there were " Too many inquiries '' according to Equifax. ( I have nine inquiries with one dropping off this month and three dropping off this year. Two last year were obviously competitive and one inquiry " XXXX '' should not even be on my report-I disputed it as fraud but it is still there! My credit report was locked during that time so how did this happen? Also all but one are from the SAME lenders I have been with for years now and the new one is for my son 's student loan deferred until some time in XXXX for {$99.00} mo. Additionally, there have been NO INQUIRIES THIS YEAR. So is Equifax grasping for something? ) I have no bankruptcies, judgements, liens and nothing that should negatively affect my credit report account at this time. 
Equifax is not fair. I have PLENTY other examples that I can share if needed. I have to wonder am I being discriminated against, or does the company get more money to keep scores low, or are their staff trained this way??? There is something going on there and it is not fair. Equifax will find a way to keep your score from rising. 
I feel that Equifax IS being discriminatory, if not by race, by some other measure that ultimately hurts those already at the lower end of the credit scale. Please look into this.
Product: Debt collection

XXXX XXXX Levy and Associates, XXXX Ohio improperly assigned a garnishment on me, and concretely, with evidence, XXXX credit card paid and closed. 
This credit card was reported stolen/lost, on XXXX documents , re-opened, and the identity thief authorized himself as user. I never received any card or information about this from XXXX. The charges from XXXX  forward, are for, mostly, XXXX XXXX XXXX XXXX. I do not play games or gamble. 
Therefore, I did not have a card or number. 
The card is in the name XXXX. 
XXXX in WI. Residing in IL. XXXX confirmed this name ( XXXX ) was the holder. 
The attorney, XXXX, for Levy is fully aware of this.

I requested they fix the credit reporting and remove all from court filing. Send all documents, etc. Levy employee, XXXX  stated, no. He stated release was filed XXXX, by XXXX. False. The docket, did not show the release, as of XXXX. 
I suspect, clear harassment and My loss and damages via one of the attorneys XXXX, are malicious and willful, conflict of interest, clear, abuse of authority, misappropriation, and crimes against my rights and due process/justice. 
I told XXXX, I have ID theft affidavit, etc The entire matter is wonton fraud. 
I am not the debtor, I suspect the company ignores all laws, riules, regulations regarding fact checking. Legal sham process.