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

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Bankruptcy Reference # XXXX XXXX XXXX
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 US DEPT OF ED/XXXX  XXXX .... Balance : {$5800.00} ; XXXX XXXX/XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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/year>
Product: Credit reporting or other personal consumer reports

I PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES VIA CERTIFIED MAIL ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. 
THESE ACCOUNTS ARE UNVERIFIABLE. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

THESE COMPANIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY FAILURE TO DO SO IS IN VIOLATION OF 15 USC 1681 EB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Product: Student loan

I have been repaying my loans for the past 11 years. XXXX being the former owners in my opinion was hard to work with in regards to forbearance utilization and deferment assistance ; Navient is by far worse. I have requested several times to have my co-signers removed as I am not in default on any of my XXXX loans and that has yet to happen. I also tried to obtain copies of the original contracts for the loan request and a year later have not received the documents. If it was not because these loans werie private I would have been forced to file bankruptcy with what they expect for repayment monthly based on income rather than how much your household expenses are. The interest is higher than ever by time most students are able to replay these loans we will be drawing social security ( if any. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that Headway Capital , LLC accessed and reported supplemental information about my to XXXX, and utilized 3 services to do so : XXXX XXXX XXXX, XXXX, AZ, and XXXX, XXXX. 

These inquiries were never requested by me, this company never had my direct authorization, and I have never shopped for a loan of this type. They do not have a completed and signed application from me, they do not have my signature on file, and they do not have my permission to do this. 

The result is that new derragatory and inaccurate data is now on my credit report, meaning they utilized and pulled an incorrect XXXX XXXX from XXXX County, AZ, and is showing I have a property tax bill of {$1400.00} unpaid, when I have never owned a house in Arizona. 

DETAILS : 1 ) I have never heard of this company, nor ever conducted business with this company. 
2 ) On XX/XX/2019 Headway Capital , LLC initiated a XXXX  report on me, and listed their names in the Supplement Information Section, as 3 inquiries, each as : Checking Account and Demand Deposit Account ; Supplement Public Records ; and Supplement Consumer Credit. 
3 ) All 3 of these inquiries shows Headway Capital LLC, accessing my data from XXXX  XXXX, XXXXAZ, and XXXX. 
4 ) I never gave them any information on myself, and never sought them directly to engage in business. 
5 ) This company does not have any authorization from me to run these inquiries and furthermore post their findings on my credit bureau. 
6 ) I am seeking full remedies and course of action against them. 
7 ) I expect full resolution and removal of all 3 instances from my XXXX   Credit Report by them. 
8 ) I do expect an apology in addition to this. 
9 ) Again, this company does not have my consent, nor my explicit authorization. They have never received it verbally, or in writing. I have never engaged with them directly.
Product: Mortgage

On XXXX XXXX XXXX my loan was switched from XXXX bank to SPS servicing. They are Debt collectors not a Mortage co. With several calls being made every month It took until XXXX XXXX to finally get the payments applied correctly. They got it rite for while then XX/XX/XXXX it started again payments being misapplied or held in a " unapplied balance " line till the next month. I called this weekend when I saw the mistake and left a message and they did n't get back to me until wed afternoon. Again they are being corrected but each time this happens I lose the time and interest from when it was received by them and then applied days or weeks later. I ca n't figure out how to calculate that and what I 'm losing but what I 'm really worried about is if they ca n't do normal banking without incident are they calculating my Mortage correctly? I make extra payments every month in an effort to pay it off quickly so I can retire but wondering if I 'm being cheated. Whether deliberately or by mistake I 'm still the one on the losing end.
Product: Debt collection

This is a complaint from XXXX XXXX against CBCS for CBCS 's failure to provide requested information for the debt alleged. On XX/XX/2016, consumer, XXXX, received a demand letter from creditor, CBCS. On XX/XX/2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over six weeks since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Checking or savings account

On Friday XX/XX/year> I called Bank of America several times to inquire about a restriction being placed on my account and no representative could give me an answer they just told me to wait 24 to 48 hours. I asked to speak to a manager to get clarification and the manager never returned my call. At XXXX i was left on hold XXXX minutes only for the rep XXXX XXXX to hang up in my face after I told her that I didnt want to say how I felt. I then called back to stay on hold another XXXX minutes for the rep to give me a number to call because the dept that put the restriction on my account was closed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance Owed : {$19000.00} XXXX XXXX  Account number : XXXX Balance Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX 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

sent letters out to the bureaus XXXX XXXX, and transunion on XX/XX/year>, XXXX, XXXX, XXXX and XX/XX/year>. It has been over 90 days and the creditors have not responeded. Please deleted and removed the following accounts if not verified and validated. 

XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$930.00} XXXX. XXXX XXXX XXXX {$870.00} XXXX. XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$600.00} XXXX. XXXX XXXX XXXX {$480.00} XXXX XXXX  XXXX {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX continues to report medicals bills under {$500.00} on Experian, XXXX XXXX and XXXX. Based on the new guidelines Medical bills Under {$500.00} should not be on the credit report. I have contacted XXXX  XXXX several times and they have refused to remove from the credit report. 

Their act is unfair and deceptive acts to attemp to colllect a debt as other people Are not treated the same. Why is it that The medical bills under {$500.00} for other peoples accounts were removed by them, but mine were not. 

I am asking that all medical bills under {$500.00} from XXXX  XXXX I removed from my credit report. 

XXXX  XXXX this does not have to do with the credit bureaus you guys are in charge of the account Kindly remove them from my credit report. I do not understand why you guys are pinpointing me and only me and treating me in this fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I allowed for an auto loan at XXXX XXXX on XXXX XXXX 2017. I told them I only authorized their inhouse FI  to do XXXX inquiry on my credit report. I have since had XXXX hard inquiries. I 'm confused because my sales receipt states my FI constates I am with XXXX XXXX although I told them I allowed them XXXX inquiry they told my it was included in the XXXX credit check they ran. I received a letter today that states- XXXX XXXX  was NOT agreeable to the handling of the proposed transaction. Due to the report from the credit agency. XXXX Score XXXX. - due to Inquiries ( there were none prior to coming in that morning ) but no derogatory information found. SAGESTREAM LLC- score XXXX - due to no of inquiries Inquired did adversely affect score I have never heard of " SAGESTREAM LLc '' Credit Bureau '' so I looked them up. It said they are being investigated for giving low scores by auto financiers in order to give higher Financing Rates! '' Now- of this is the case- why is that the co I 'm told is the bank I 'm FI through- and got ANOTHER letter that stated " upon review, it was determined information was omitted " ... ... ... what is the scam that is going on. ... ... who is SAGESTREAM LLC credit Bureau and I want all of these hard inquiries taken off of my credit report, and this rediculious interest rate lowered NOW!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is violating my rights. 
The company is trying to collect the debt that is not owed. Also publish ed inaccurate information on my credit report. There are XXXX different totals owed. The account was open by identity theft when I was visiting a friend who lived at that apartment complex. I sent the company a copy of the police report and a copy of electricity bill from my address in XXXX XXXX. The company does not have an original signed copy of a lease. The apartment lease started on XX/XX/XXXX. the contract states that it was signed on XX/XX/XXXX. 

15 U S.C. 1681 Section XXXX A. XXXX I have the right to privacy. 15 U S.C. 1681 Section XXXX A Section XXXX : States a consumer reporting agency can not furnish a account without my instructions. 15 U S.C. 1681c ( a ) ( XXXX ) 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 crime which antedate the report by more than XXXX years. 15 U S.C. 1681s -2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has responsible costs to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

i asked previously for some information to be removed as it was misinformation and on my credit report and not all of it was removed. 
XXXX has not done anything though i've provided all the information that was asked.
Product: Credit card or prepaid card

Discover paid a merchant XXXX XXXX XXXX  {$100.00} on XX/XX/XXXX. I disputed the amount as I had no idea what it was for. Nobody could tell me what it was for. Apparently back and forth they paid XXXX, gave me a credit, paid the merchants and then gave me a credit. Finally on XX/XX/XXXX they stated the merchant XXXX was paid however, no proof has been provided they were paid and it is NOT on my statements I have poured over. Discover.com sent me an email attached stating they took the credit back from me and still have not provided me proof they paid the vendor. Only verbally have they told me. They said XXXX was paid on XX/XX/XXXX, XX/XX/XXXX and tons of other dates. I have 1 screenshot of a payment made to XXXX on XX/XX/XXXX. This has gone to collections with XXXX XXXX XXXX stating I owe the money yet have not validated the debt. XXXX was contacted as well and escalated the issue with nobody calling me back either.
Product: Credit card

I received a XXXX credit card in the mail that I never applied for. 

It was delivered to an address I am associated with through work, but I would never use that address for any reason of my own. Additionally, the address is missing the street number. I'm not sure how it was determined to send to the correct property that my colleague would bring it to me. 

The name on the card references my maiden name but it is spelled incorrectly. The company listed under my name is a company I have never heard of before. Additionally, the word " ghost '' is listed in the company name. 

This card is a XXXX  XXXX XXXX. 

I need this card removed from my records and for my reports to not be impacted by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting collection account for {$11000.00} past due as of XXXX XXXX. I disputed with reporting agencys this is not my account. I was not in Country during this time. They are reporting joint with XXXX XXXX. I have filed disputes requesting documentation this is my account, I have not received. I have sent documentation showing such. Reporting agencys continue to mark as remain.
Product: Debt collection

On XX/XX/XXXX, I received notice of debt from XXXX. XXXX Reference # XXXX. 
On XX/XX/XXXX by form of email to XXXX, I sent a Debt verification Request letter in which they responded to my request by email on XX/XX/XXXX that it was received and was going to be investigated and I would receive a response. 
As of today 's date XXXX, I have yet to receive a response to my request by XXXX XXXX, XXXX. 
On, XX/XX/XXXX I received a notice of debt from a collection agency dated XX/XX/XXXX from I.C. System Inc Reference # XXXX. 
Both agencies collecting for the same amount and creditor. 
XXXX never responded to my debt verification request and instead was passed on to I.C.System Inc. 
All documentation has been attached. 
My rights under the Fair Credit reporting act have been violated and request that this debt be removed or I will have to seek legal council.
Product: Credit card

On XX/XX/XXXX, I initiated a dispute regarding a charge online via my online account with American Express. After answering their questions, and submitting my response, American Express declined to proceed with investigating my claim. After receipt of the denial, I contacted American Express directly and spoke to a customer service representative. I was asked to explain my case again and the reason for the dispute. Per the Representative, I " selected the wrong option for my dispute '' and the Representative initiated my dispute afterwards. 

While I am happy American Express is proceeding with the investigation, the regulation requires that investigations be initiated as long as they fit within the regulatory timeframe to file disputes. This act presents a potential violation of Truth-in-Lending laws. I am requesting that American Express provide an answer as to why my initial dispute was not processed.
Product: Debt collection

XXXX XXXX XXXX. Of XXXX, XXXX, XXXX. Filed false petition lying and is trying to obtain Default Judgment. Knowing she is participating in a conspiracy, aiding and abetting. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. DID NOT PROVIDE TITLE IN 30 DAYS VEHICLE COULD NOT BE REGISTERED AND THEY SOLD VEHICLE KNOWING PROBLEMS WITH TITLE in Bad Faith. Sold vehicle that was dangerous to drive and a defective vehicle. She will be held accountable. Bar license complaint will be filed and I want her license to practice law revoked permanently and damages to be paid that I am entitled to. What is done in deception will be brought to light. You will also be facing several lawsuits here shortly in regards to this matter. You are a monster.
Product: Credit reporting or other personal consumer reports

A notice has been sent to the company addressing the CEO. this notice was sent priority express mail and delivered on XX/XX/2023 at XXXX. I have not gotten any correspondence with any confirmation as to complying with demands to remove false information violating my consumer rights.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 USC 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on statement a payment made by the obligor or a credit issued by the obligor
Product: Mortgage

We received a statement from Ocwen telling us our monthly mortgage payment is going up from {$2500.00} to {$2700.00}. No explanation or advanced warning was given to these changes in terms of our loan agreement. The statement just said 'further detail regarding the reason for this change will be included in a separate letter '. The statement date was XXXX/XXXX/15. We have never received a letter of explanation. 
This clearly breaches the terms of our contract with Ocwen not to mention no constructive notice given to use regarding the changes of said terms.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the four major credit reporting agencies. I recently disputed a charge-off for {$700.00} from XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely,
Product: Checking or savings account

My account was closed XX/XX/XXXX, chime bank said I violated guidelines in the member agreement, which I did not I had few disputes I did a refund was owed to me because I returned some merchandise, but chime canceled the debit card the refunds was going to without my permission so I disputed it so I could receive my refund on my new card, so they investigated gave me the refund to my new card then shortly after closed my account when I know for fact I did not break any rules, also they owe {$710.00} check and they keep giving me the run around about money that belongs to me and I'm tired of it