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

Im 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 Account # XXXX has violated my rights. 

US DEPT ED Account # XXXX has violated my rights. 

US DEPT ED Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 Section 2 : Its Also states a consumer reporting agency can not furnish a account without my written instructions 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, credit repair services, or other personal consumer reports

XXXX will not give me my credit report online. They require I mail them information sensitive information and documents which puts me and my information at risk for identity theft. Mail is easily and frequently stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is reporting inaccurate late notations on my credit report. I pay my bills online and did not get any notice that I was late. I only realized when I pulled my credit. The payments made online were always on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This 1 and only inquiry that i did not authorized still is on my credit report. I did not do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following XXXX  XXXX  account is not mine, this is an inaccurate and fraud account reporting under my equifax credit reports, this has been disputed with them several times, they hare not helpful at all and to some what they are inaccurately reporting these accounts and not even helpful, i have already attached my police report, please find attached. 
please help me to have this one account removed from equifax thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is letter to remove my extended fraud alert from my TransUnion credit report Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

mailed removal letters XX/XX/XXXX about old accounts that have been on my credit report since XX/XX/XXXX about these accounts ALL THESE ACCOUNTS HAVE BEEN ON MY CREDIT REPORT SINCE XX/XX/XXXX. PLEASE DELETE AND REMOVE XXXX XXXXXXXX XXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF ED/XXXX/XXXX # XXXX
Product: Debt collection

Hello, I am filing a complaint against Penn Credit Corporation for continuing to attempt to collect a debt I do not owe and willfully disregarding proof that was mailed and received via USPS Certified Mail. 

In XXXX, I received two Notice of Collection letters from Penn Credit Corporation, dated XX/XX/XXXX. These letters demanded payment for the citations listed below and copies are included as Attachment XXXX 

Description, Service Date, Account Number, XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$90.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$110.00} I then responded to Penn Credit Corporation with a letter ( Attachment XXXX ) sent via USPS Certified Mail on XX/XX/XXXX and delivered on XX/XX/XXXX. This letter outlined that I do not owe the debt stated pursuant to the Fair Debt Collection Practices Act, disputed the debt, and requested verification of the debt or a copy of the judgment against me and for it to be mailed to me. I disputed ownership of the debt as I sold the vehicle in XXXX of XXXX. I included a copy of the bill of sale ( Attachment XXXX ) as proof. 

Enclosed in the letter I also included payment for the XXXX delinquent citations dated prior to XX/XX/XXXX : XXXX, balance {$45.00}, dated XXXX ; XXXX, balance {$90.00}, dated XXXX. Payment was made via USPS money order, receipts for which are included in Attachment XXXX The money orders have been cashed according to the USPS money order status lookup at XXXX. This indicates receipt of both the letter and payment, and acceptance of said payment by Penn Credit Corporation. 

Then on XX/XX/XXXX I received XXXX more Statement of Account letters from Penn Credit Corporation ( Attachment XXXX ), stating that I have a balance for the XXXX accounts below : XXXX XXXX XXXXXXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX VA XXXX XXXX XXXX {$110.00} Penn Credit Corporation received and cashed my previous payment in the amount of {$45.00} for XXXX, balance {$45.00}, dated XXXX. Yet they continue to harass me for this amount. They also continue to harass me for XXXX, balance {$45.00}, dated XXXX and XXXX, balance {$110.00}, dated XXXX despite me having provided ample proof that the debt is not mine and declining to provide me with any verification of said debt after I provided a bill of sale showing that the vehicle was no longer under my ownership. 

I am filing a complaint with the CFPB to request an immediate stop to these illegal attempts at collecting a debt I do not owe. A satisfactory resolution would include Penn Credit Corporation clearing my account of all invalid debts as described above and ceasing all contact with me.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.
Product: Credit reporting or other personal consumer reports

CFPB, can you please make them remove these negative accounts that's infecting my consumer credit report. Under consumer code 15 USC 1681eb. According to the IRS canceled debt a ( CHARGE OFF ) is gross or ordinary income. Income doesn't get reported on your consumer report. Since income doesn't get reported on your consumer report. A ( CHARGE OFF ) is a inaccurate account and it have to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which this account was sold to XXXX XXXX XXXX and they are still illegally reporting this account that doesn'tbelong to them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThank you.
Product: Debt collection

Collection company is reaching out to me about a debt that isnt mines. 


Ive never worked with the collection company nor do I have a contract with the company nor have I at any given time. 

Ive tried to work with the company and informed them Ive never worked with them but they continue to come after me.
Product: Debt collection

I have been trying for over a year to get this account off my credit file and I have been unsuccessful. This account is not mine and it has been removed from my credit file at XXXX of the XXXX agencies but it remains on the XXXX, XXXX.
Product: Debt collection

I do not have knowledge of this debt. I do not have a contract with this company.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report several inquiries that that I didnt not initiate or authorize. This means the consumer agencies released my information without my consent and now this makes this liable for damages. 

The inquiries in question are as follows : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX OF XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX I did not initiate these inquiries and they should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. Someone get my information and use it without me knowing it. I did not tell them to use my information, I look at my credit and see all these things I did not apply for. I file a report to get this stuff off of my credit but it is still on there. I want a new car but can't get with all this things on my credit I didn't do. This make things really hard for me and my family. I can't provide them with new car to get around in because my credit is not right, I need these things off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.
Product: Mortgage

My husband and I purchased a home in XXXX of 2019. The loan Lakeview Loan Services now XXXX XXXX XXXX assessed the tax on the house off of a vacant lot as opposed to the actual home value when they bought our loan from XXXX XXXX. They contacted us in XXXX begging us to refinance because the interest rates were so low and it would only take 60 days to do a streamline loan. Here we are seven months later and i had to reach out to the CEO of the company because i could not get anyone to respond to me via phone, email or carrier pigeon, ( we got desperate ) you name it. Once i did that, we had 3 people calling us immediately. Further proving they already knew what was going on and did nothing to notify us. They advised that our taxes weren't assessed correctly and we would owe XXXX as opposed to the XXXX they had us sign in the beginning of this process to close on our refinance. Now our loan officer is telling us to go with another company after wasting seven months of our lives during a pandemic because they no longer have great interest rates apparently. I believe they kept us in the dark because they currently had our loan and didn't want to miss out on making money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX. Inquiry Date XX/XX/year> Address XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number XXXX Has violated my rights According One to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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

THE FOLLWING ACCOUNTS ARE FRAUD XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XXXX, XX/XX/XXXX, I sent two letters regarding identity theft to Experian an XXXX for false things being reported on my credit.
Product: Checking or savings account

In XXXX of this year ( XXXX ) I discovered a check had been stolen from a XXXX Postal Service mailbox and {$2900.00} check was deposited into a Citizens Bank account without my consent. The check had been washed and re-written - only my signature was original. I immediately notified my bank, XXXX, and filed a claim. Since then, XXXX has done nothing to help me recover the funds other than sending demand letters to Citizens. I have received inaccurate information from XXXX Claims " Specialists '' on multiple occasions. For example - my claim was closed because Citizens did not respond. Then when I called, they said to disregard that information that it was still open. When I called to check on the status XX/XX/XXXX I was informed again that XXXX closed my claim because Citizens had not responded to them. It is my understanding that Citizens has a certain amount of time to respond and has failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im trying to move and I didnt get approved because of this closed MoneyLion account of {$420.00} on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 expirian and XXXX failed to removed inquires and negative listed things of credit reports that were unauthorized and they have also stated that have disregarded my initial complaints have not removed what i demanded as fraud
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX  XXXX Balance : {$6600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have already CONTACTED THE BANK AND YOUR AGENCY IN REGARDS TO THIS SAME SITUATION. I HAD TO GO STAY AT XXXX XXXX XX/XX/2022 TILL XX/XX/XXXX, XXXXTHIS BILL WAS PAYED IN FULL XX/XX/2022. I SENT ALL THE INVOICES WITH THE DOUCOUMENTION FROM THE BANK AND XXXX XXXX also THERE IS ALOT OF HACKING GOING ON IN XXXX TEXAS. THESE S NUMBER WHICH I BELIEVE IS A SCANNER IS GOING TO SOME ONE ELSE.
Product: Checking or savings account

Despicably, I was XXXX  profiled at a Chase Bank in XXXX at XXXX and XXXX on Saturday XX/XX/XXXX. I came in to open a Chase Bank account. I was asked to open an account online. For whatever reason, the website said I had to go to a branch to open up an account. Since I had actually come to a branch, I asked to open up an account again to the banker. Shockingly, the banker said I had to go back to my home state of North Carolina to open up an account, even though I was actually in XXXX XXXX XXXX. He said I should know this because I work for XXXX XXXX and I had no business being in XXXX XXXX XXXX - unsurprisingly the horrible hate people of XXXX XXXX culture have had to deal with in XXXX since XX/XX/2001. At XXXX XXXX, we are not disgusting XXXX XXXX  who just think XXXX who come from the XXXX to the XXXX are merely suspicious as if they are just some dirty XXXX  XXXX XXXX  pursuant to the Compromise of XXXX. At XXXX XXXX, we know the Compromise of XXXX  is no longer the law of the land - along with Roe v. Wade now and XXXX  are allowed to freely travel to the XXXX from the XXXX, contrary to the XXXX hateful culture that XXXX XXXX sickeningly sets at Chase. At XXXX XXXX, we know you can travel from the XXXX to the XXXX for reasons aside from just wanting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and banking is allowed and even encouraged interstate. Also, if I were in fact suspicious, it is federally illegal to warn me not to take an action just to evade fraud detection. However, Chase does not follow the law because XXXX XXXX believes Chase is higher than the banking law and civil rights law.
Product: Mortgage

The beginning of XX/XX/XXXX, I contacted Quicken Loans to see about approval for a new mortgage loan. I spoke to representative XXXX initially. I provided all requested materials, paid a required good faith fee of {$500.00} and received a pre-approval for a new mortgage loan. At that time I was questioned about my employment status. I had told XXXX over the phone as well as in text messages and email messages that I had retired from my permanent full-time position 2 years prior but, was continuing employment with the same company on a temporary basis, through their temporary office and had done so since XXXX of XXXX. He assured me that my employment status would not be a problem. Subsequently I received a final approval for the new mortgage loan with Quicken and signed a contract to purchase my new home. Out of the initial {$500.00} good faith payment I made to Quicken, an appraisal was done for my new address and fee deducted. I was also given a closing date of XX/XX/XXXX for the purchase of my new home and had the sell closing scheduled for my existing home on XX/XX/XXXX as well. Approximately two weeks after receiving the final approval from Quicken I was notified that there was a problem. Apparently Quicken misunderstood my employment status. They were under the assumption that I was working permanent for the temp. office I am working temporary for. Because of this my debt to income ratio posed a problem for my approval for a new mortgage loan with Quicken and my initial approval was denied. I received a phone call from XXXX at Quicken who offer the solutions of getting a co-signer for the new loan, putting {$20000.00} additional dollars down with my 20 % down on the new property or including my boyfriend on the loan. I am XXXX years old, have paid a mortgage for 30 years on my own, did not have an additional {$20000.00} dollars to put down and did not like the suggestion of being forced to put my boyfriend ( not husband ) on my loan. Due to these problems presented by Quicken I was forced to scramble to find another resource for a mortgage loan to purchase. I did so with no problem., however I am out my {$500.00} dollars paid to Quicken Mortgage and have not received an offer of refund from them. Truthfully I am not holding my breath that my money will be returned but, will never deal with Quicken loans in the future. This was a misunderstanding on their part and no fault of mine. If I could be reimbursed my good-faith payment of {$500.00} I would definitely appreciate that as I was required to pay an additional {$390.00} to my approving mortgage lender for another required appraisal of my new home.
Product: Credit card or prepaid card

I receive unemployment funds on a Key2benefits card. On XX/XX/XXXX my card was suspended as they wanted me to verify some transactions. I called and verified and was told that in order to receive a replacement card I would need to email one document showing my current address since my address on my account was updated within the last 30 days. They instructed me to email the document to XXXX. I chose to send in my current social security benefits award letter as one of the approved documents on their list was a letter from, 'ANY GOVERNMENT AGENCY ' which clearly shows my new address and is dated within the last 90 days. I sent that, a copy of my ID, a picture of me holding my ID and previously issued but now suspended Key2benefits card, a copy of my Medicare card and a copy of my social security card. Two days later they wrote back saying I was DENIED. In their denial email it again stated that I would need to send in one form of proof of address and in their own words included the statement, 'LETTER FROM ANY GOVERNMENT AGENCY. ' I resubmitted my documents and again was denied. My third attempt, I submitted the same documents as well as a letter from WA STATE PARKS issuing me a disability pass hoping they would accept this government agencies letter, Denied again. The thing is, my old address which is a po box and the address which I updated to are the SAME ADDRESS but the updated version is in the 'street format ' of my po box . This is a service offered by the post office and is what my post master instructed me to use in the event that I needed to have an item expedited or shipped from another carrier other then USPS since most companies do not ship to po box es. Key2benefits customer service has not been helpful as they continue to tell me to submit the documents and wait.
Product: Credit card

In XXXX  my identity was stolen. And I fell victim to fraudulent use on a few of my credit cards. XXXX being my triple XXXX credit card that was issued through US Bank XXXX XXXX. 
I called multiple times trying to resolve this issue but they refuse to be of any help at all! They have ZERO care about me falling victim of identity theft and refused to remove the fraudulent charges. They should have some kind of identity theft and fraud protection! This is horrible. On my credit report it shows that I owe {$1000.00} and its charged off as bad debt. This is ridiculous!