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

XXXX XXXX XXXX, XXXX XXXX XXXX and Transunion, has violated, my consumer rights by reporting a fraudulent account under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the accounts reporting are not authorized by me. Each Credit reporting agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
At this time the account with XXXX XXXX, XXXX XXXX XXXX XXXX, continues to reflect on my credit file. I will be sending a notice of intent to sue regarding these accounts.
Product: Debt collection

EXETER FINANCE LLC 25 POTENTIALLY NEGATIVE MONTHS Balance details 9 % paid off Balance {$12000.00} Balance updated XX/XX/XXXX Original balance {$13000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX CO CO XXXX XXXX CO CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO PAYMENT HISTORY LEGEND Status Account charged off. {$11000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$12000.00} Original balance {$13000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX XXXX  Months XXXX sold - Original creditor - Comments- Your statement-
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency is in violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy '' I an accordance to the fair credit reporting act my rights have been violated I have the right to privacy. See The Gramm-Leach Bliley Act ( also known as the Financial Modernization Act of 1999. 15 USC 1681b ( a ) ( 2 ) No permissible purpose/ No written instruction.

Accounts listed below are inaccurate and inconsistent on all three bureaus and I have the right to privacy which is a violation of my rights 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of errors -XXXX XXXX  {$7800.00} XXXXus dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX
Product: Credit reporting or other personal consumer reports

Cash app has all my personal information. I use cash app to get deposit but they said I couldnt do anything about removing another person name! Apparently my account with my bank information is under someone else instead of my name XXXX XXXX XXXX. 

My info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX I want reported account to only have my name on it. Its all my information except that. This has to not be legal.
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 rights to my privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting can not furnish a account without my written instructions.
Product: Checking or savings account

My wife and I bought {$10000.00} worth of IRAs from Columbus Bank and Trust Company ( CB & T ) from XXXX to XXXX in XXXX XXXX, Georgia. I have recently found them, the CDs, in my desk in my house as I forgot about them completely. CB & T was bought out by Synovus Bank. I have attempted to redeem the certificate of deposits to an individual retirement account from the bank along with all interest. I have spoken to branch bank, then to the main branch in XXXX, Georgia. The main branch in XXXX said they will talk to the main branch in XXXX to a historical section of the bank to find out about these CDs. I have spent 3 months trying to resolve this with the bank and have been unsuccessful. My daughter has spoken to the branch in XXXX numerous times and she was assured that a satisfactory solution would result. I have not received any funds or a reply from Synovus Bank about what happened to the CDs. My telephone number is XXXX.
Product: Checking or savings account

XX/XX/XXXX Checked balance on a rarely used account and thought it was considerably low, as it is not used for many things and a deposit was made into the account weekly Called the customer service number to get more information and was informed that there was already an email address and online account associated with this account which is why I could not create a log in to see transactions. Gave them possible email addresses that it could have been and was told it did not match but would not give me the address they had on file for the account. Created a new login address for the account using my email address. After going through the information and speaking with the representative, determined there were XXXX transactions that I did not make. Representative could not confirm if the purchases I questioned were made online or in a physical store. The representative said they could not determine if the purchase required a signature. I requested to lock account and any cards associated with the account. Took time to look over account and see if I could find what happened and how the account was compromised. 
XX/XX/XXXX - Requested to open a claim for fraudulent activity after determining that the account was compromised almost from the beginning. The account is used to deposit a weekly paycheck. The debit card was used to purchase a transit pass either weekly or monthly ; groceries-typically from XXXX ; XXXX purchase- occasionally ; XXXX XXXX payments ; and the occasional restaurant purchase. There were a few online purchases but very rarely used for that. At no point have XX/XX/XXXX Received an email from Netspend denying fraudulent activity citing no unusual activity or pattern indicating fraudulent activity. 
XX/XX/XXXX Sent email requesting detailed investigation process, clear examples and process of how the determination was made, and corrective action to credit my account. 
As of XX/XX/XXXX no response from Netspend filed Consumer Financial Protection Bureau complaint against Netspend
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information and inquiries on my credit report were incorrect when I reviewed it. 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. Here is the list of unknown items that must be deleted : XXXX, XXXX, XXXX *XXXX XXXX XXXX Date Updated : XX/XX/XXXX *XXXX XXXXXXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX *XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX with XXXX XXXX. I was told I would be receiving my welcome packet in the mail from Chrysler Capital financial and my traded in vehicle a XXXX XXXX XXXX would be paid in full. Days and days went by with nothing in the mail and a late fee hitting my account for my XXXX XXXX that still was not paid off. I called XXXX XXXX who was less than helpful and was told that I should be receiving the welcome packet in the mail any day now and that my previous car loan could call them if they had any questions regarding my purchase however they will be receiving their check any day as well because the bank has all the paperwork at this point. Several more days went by and still no welcome packet in the mail and still my previous auto loan was not paid off as I am receiving daily phone calls from XXXX XXXX in reference to my loan being late. Several more days went by and I called for a third time on XXXX/XXXX/XXXX and after it was looked further into because the finance XXXX could not understand what was taking so long I was told I would be getting a phone call back by XXXX which never happened. I called again on Friday XXXX and was told the person who was working with me was scheduled off and could not speak with him until he returns to work. I called again on Monday XXXX/XXXX/XXXX and was told by XXXX XXXX who was back to work that his bank rep was still looking into the problem. At this point my temporary tag on my new vehicle is expired by three days and when I brought it up I was told just pay the ticket and you will be reimbursed. Then I received another email from XXXX XXXX on XXXX telling me that the problem was still being looked into and now I need to come back into the dealership and resign all new paperwork because my first contract was apparently lost somewhere and nobody can locate the original paperwork. Nobody ever reached out to XXXX XXXX my previous auto loan company to fill them in on what is going on and I am still receiving daily phone calls from them in reference to my payment being late. On Friday XXXX I went back to XXXX XXXX and had t resign a new contract which was dated XXXX and when asked about it they said it is supposed to be that way. I was told prior to leaving that since my first contract was lost somewhere this contract would be expedited through the process and my previous loan through XXXX XXXX would be paid off without a doubt by XXXX so that my payment with them does not reach 30 days past due which at that point makes my payment late and reported to the credit bureaus. I called again on XXXX and was unable to get a hold of anyone from finance. I asked to speak with XXXX XXXX who was off and XXXX XXXX who is another finance XXXX would not come to the phone to answer my questions. As of the time and date of this complaint I am still waiting for my welcome packet from Chrysler Capital, Still waiting for my registration and inspection which is now XXXX weeks expired, and still waiting for my previous auto loan through XXXX XXXX to be paid off which is going to be reported as a late payment to my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  stated here and on the better business bureau that the hard inquiry into my credit file was an error on their end and that the removal of that inquiry would be taken. However two years on the inquiry is still presented on my credit report as a hard inquiry. 
Please see attachment. 
Advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. Transunion responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XX/XX/2018. XX/XX/2018 XXXX received dispute letters in regards to inquiries. Their response on XX/XX/2018 from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent XXXX two dispute letters, one for my inquiries and one for several inquiries on my credit report. XXXX has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.
Product: Payday loan, title loan, personal loan, or advance loan

Re : Complaint Against World Finance for Incorrect Reporting of Payment History Dear Sir/Madam, I am writing to file a complaint against World Finance regarding inaccurate reporting of my payment history. I have always made my payments on time and have never been late or delinquent in any of my obligations with them. However, I believe that my credit report has been impacted negatively due to an error made by World Finance. 

Here are the details of my issue : Despite my timely payments, I have noticed that World Finance has reported my account as being late or delinquent, which is not the case. I have kept a record of all my payments, and I can confirm that I have never missed or delayed a payment during the period in question. This erroneous reporting has affected my credit score and caused undue stress and confusion. 

I have attempted to resolve this issue directly with World Finance, but I have not received a satisfactory response or resolution. As a result, I am requesting the assistance of the CFPB to help address this matter and ensure that my account is corrected and accurately reported to credit agencies. 

Please let me know if any additional information is needed from my end to assist in the investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Debt collection

Midland funding is collecting a debt for {$610.00}. I have reached out on XX/XX/2022 to ask for the following : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 
XXXX. What is your authorization of law for your collection of information? 
XXXX. What is your authorization of law for you collection of this alleged debt? 
XXXX. Please send evidence your authorization to do business or operate in the state of ( Your state ) XXXX. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

As of XX/XX/2022 I have yet to receive a response from them.
Product: Payday loan

Someone keep came and saying I am been sue for what they will not say. I need to know who is using my name to get payday loans they will not let me have one. PLEASE HELP ME. I NEED MY CREDIT BACK.
Product: Credit reporting or other personal consumer reports

They are reporting an inaccurate address. Please remove this address XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX
Product: Mortgage

My mortgage company roundpoint mortgage purchase my mortgage from my original lender and took control of the mortgage on XX/XX/XXXX of 2019 at that time it was discovered that there were issues regarding property tax payments from the original lender. I began the refi process in late XXXX making it very clear to the roundpoint mortgage representative that I was not going to and not able to bring any money to the closing and I was very clear of that both orally on the phone and in email. Nothing was ever said until we were about a week away from closing and then the issue comes up that I need to bring money to the table at the time of closing. The manager of the refi department at roundpoint went back and listen to all of our conversations and admitted to me that they did not make full disclosure about any programs about what my responsibilities were. Here we are now almost 14 weeks later I still haven't closed on my refi and I am going to be asked to bring money to the table. I was not given disclosure about what programs they were going to use what the requirements were for the program 's nor was I ever given the option to discuss what programs they were going to use for the refi. 
Now, if the refi doesn't go through I am going to be struggling for months to catch up not only with my mortgage but with my other debts due to the fact that I was told we were going to close in XXXX. This is not right, I want to close and I want to close the way will you agreed upon, silence is acceptance nobody ever said anything to me that we can't do a refi unless you bring money to the table.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 XXXX reported that i was over 30 days late. Then XXXX realized that it was unauthorized charges and credited all the charges back to my account but XXXX still reported it to my credit bureaus as me be over 30days past due.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking of Negative Information Under 15 U.S.C. 1681c-2 Dear Credit Bureaus, I am writing to formally request the blocking of certain negative information on my credit report pursuant to 15 U.S. Code 1681c-2, which governs the obligations of consumer reporting agencies regarding identity theft and inaccurate reporting. 

According to the statute, credit reporting agencies are required to block information that resulted from identity theft or other unauthorized transactions when a consumer provides the necessary documentation. I have identified the following negative items on my credit report that I believe are inaccurate or fraudulent : XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I am providing the following supporting documentation to validate my claim and request the immediate blocking of these accounts : A copy of my government-issued ID A copy of a police report or identity theft affidavit Any additional evidence demonstrating the fraudulent nature of the accounts I request that these items be blocked and removed from my credit report immediately, as required by law. Additionally, please provide me with written confirmation of the actions taken regarding this request. 

Failure to comply with this request may result in further legal action, including a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Please confirm receipt of this request and provide a response within the time frame established by the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX 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 EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 


If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/24, I have bought furniture from XXXX XXXX XXXX store here in XXXX, Texas. I received financing for a sectional and a bed set. It was some discrepancies with the sectional that was delivered due to the making of the sectional so I was discounted on the sectional. I obtained financing through XXXX XXXX XXXX and Koalifi finance. The company sent the sectional invoice to both finance companies. They have me paying for XXXX sectionals basically {$3000.00} each to both financing companies. Basically {$6000.00}. Please note my total invoice was {$4500.00} and some change. The bed was only {$1400.00}. I have tried communicating with the store XXXX XXXX and XXXX. The sales guy I was working with, XXXX mysteriously was fired. I think fraud has been happening before at this place with financing. They keep telling me they will handle it but dont. They know people have a 90 day window to pay the accounts off and if its not paid I will have to pay more. Also, the commission on the higher sale was already paid out. I dont know but Im being charged {$6000.00} for a {$4500.00} transaction, which is on my invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED / XXXX Account XXXX - Q Date of first delinquency is missing? Delete Account XXXX Q Date of first delinquency is missing? delete Account XXXX Q Date of first delinquency is missing? 
Date of letter XX/XX/2023 - delete Date of letter XX/XX/2023
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRADULENT ACCOUNTS ON MY REPORT PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT
Product: Credit reporting or other personal consumer reports

I have made repeated attempts to address the issue of unauthorized inquiries on my consumer report, but the problem persists. These inquiries are entirely unrelated to me, and I am not responsible for them. Their presence has caused me considerable mental anguish and financial hardship. As an identity theft victim, I XXXX need to resort to legal action if this matter isn't properly resolved. These false and fraudulent entries have prevented me from purchasing my ideal home and meeting my family 's needs, significantly impacting my financial situation. For your reference, I've enclosed a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution.
Product: Debt collection

XX/XX/18 XXXX XXXX XXXX XXXX from the collection agency reached out to me about a supposed debt of XXXX. When I asked for her to provide me with written debt validation, she refused. She stated that their company policy was to only provide that information after I requested for it in writing. Per the Fair Debt Collection Practices Act, as a consumer I have they right to request a debt validation letter after first communication. To be refused this information, is a violation of my rights.